VOYA
Voya Financial, Inc.
Financial - Conglomerates
Market Cap$7.39B
5Y Perf.+76.9%
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Stock Comparison
VOYA vs BHF
Revenue, margins, valuation, and 5-year total return — side by side.
BHF
Brighthouse Financial, Inc.
Insurance - Life
Market Cap$3.53B
5Y Perf.+107.6%
VOYA vs BHF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | VOYA | BHF |
|---|---|---|
| Industry | Financial - Conglomerates | Insurance - Life |
| Market Cap | $7.39B | $3.53B |
| Revenue (TTM) | $7.50B | $5.45B |
| Net Income (TTM) | $693M | $-65M |
| Gross Margin | 51.8% | 54.8% |
| Operating Margin | 3.5% | -2.9% |
| Forward P/E | 8.3x | 3.2x |
| Total Debt | $2.10B | $3.15B |
| Cash & Equiv. | $1.23B | $5.39B |
VOYA vs BHF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
VOYA
BHF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Voya Financial, Inc. (VOYA) | 100 | 176.9 | +76.9% |
| Brighthouse Financi… (BHF) | 100 | 207.6 | +107.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: VOYA vs BHF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BHF leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Voya Financial, Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
VOYA
Voya Financial, Inc.
The Banking Pick
VOYA is the clearest fit if your priority is long-term compounding.
- 189.7% 10Y total return vs BHF's -11.9%
- 8.7% margin vs BHF's -1.2%
- +24.1% vs BHF's +5.6%
Best for: long-term compounding
BHF
Brighthouse Financial, Inc.
The Insurance Pick
BHF carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 6 yrs, beta 0.37, yield 2.9%
- Rev growth 42.2%, EPS growth 24.8%, 3Y rev CAGR -2.2%
- Lower volatility, beta 0.37, Low D/E 46.2%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BHF | 42.2% revenue growth vs VOYA's -6.9% |
| Value | BHF | Lower P/E (3.2x vs 8.3x) |
| Quality / Margins | VOYA | 8.7% margin vs BHF's -1.2% |
| Stability / Safety | BHF | Beta 0.37 vs VOYA's 1.17 |
| Dividends | BHF | 2.9% yield, 6-year raise streak, vs VOYA's 2.3% |
| Momentum (1Y) | VOYA | +24.1% vs BHF's +5.6% |
| Efficiency (ROA) | VOYA | 0.4% ROA vs BHF's -0.0%, ROIC 2.1% vs 9.2% |
VOYA vs BHF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
VOYA vs BHF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVOYALAGGINGBHF
BHFBrighthouse Financial…
1leads
VOYAVoya Financial, Inc.
2leads
6 Total Categories
CATEGORYLEADERvs BHFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
VOYA4/5
Valuation MetricsMultiples, price ratios, and targets
BHF5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
VOYA5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
VOYA leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
VOYA and BHF operate at a comparable scale, with $7.5B and $5.5B in trailing revenue. VOYA is the more profitable business, keeping 8.7% of every revenue dollar as net income compared to BHF's -1.2%.
| Metric | VOYAVoya Financial, I… | BHFBrighthouse Finan… |
|---|---|---|
| RevenueTrailing 12 months | $7.5B | $5.5B |
| EBITDAEarnings before interest/tax | $1.1B | -$6M |
| Net IncomeAfter-tax profit | $693M | -$65M |
| Free Cash FlowCash after capex | $1.4B | -$469M |
| Gross MarginGross profit ÷ Revenue | +51.8% | +54.8% |
| Operating MarginEBIT ÷ Revenue | +3.5% | -2.9% |
| Net MarginNet income ÷ Revenue | +8.7% | -1.2% |
| FCF MarginFCF ÷ Revenue | +17.2% | -8.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | -39.7% |
| EPS Growth (YoY)Latest quarter vs prior year | +41.5% | -172.2% |
VOYA leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
BHF leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 10.7x trailing earnings, BHF trades at a 16% valuation discount to VOYA's 12.6x P/E. On an enterprise value basis, BHF's 2.1x EV/EBITDA is more attractive than VOYA's 31.7x.
| Metric | VOYAVoya Financial, I… | BHFBrighthouse Finan… |
|---|---|---|
| Market CapShares × price | $7.4B | $3.5B |
| Enterprise ValueMkt cap + debt − cash | $8.3B | $1.3B |
| Trailing P/EPrice ÷ TTM EPS | 12.61x | 10.65x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.34x | 3.20x |
| PEG RatioP/E ÷ EPS growth rate | 0.75x | — |
| EV / EBITDAEnterprise value multiple | 31.68x | 2.07x |
| Price / SalesMarket cap ÷ Revenue | 0.99x | 0.57x |
| Price / BookPrice ÷ Book value/share | 1.10x | 0.52x |
| Price / FCFMarket cap ÷ FCF | 5.74x | — |
BHF leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
VOYA leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
VOYA delivers a 10.1% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $-1 for BHF. VOYA carries lower financial leverage with a 0.30x debt-to-equity ratio, signaling a more conservative balance sheet compared to BHF's 0.46x.
| Metric | VOYAVoya Financial, I… | BHFBrighthouse Finan… |
|---|---|---|
| ROE (TTM)Return on equity | +10.1% | -1.1% |
| ROA (TTM)Return on assets | +0.4% | -0.0% |
| ROICReturn on invested capital | +2.1% | +9.2% |
| ROCEReturn on capital employed | +0.2% | +0.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 6 |
| Debt / EquityFinancial leverage | 0.30x | 0.46x |
| Net DebtTotal debt minus cash | $876M | -$2.2B |
| Cash & Equiv.Liquid assets | $1.2B | $5.4B |
| Total DebtShort + long-term debt | $2.1B | $3.2B |
| Interest CoverageEBIT ÷ Interest expense | 5.14x | -0.04x |
VOYA leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — VOYA and BHF each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BHF five years ago would be worth $12,606 today (with dividends reinvested), compared to $12,316 for VOYA. Over the past 12 months, VOYA leads with a +24.1% total return vs BHF's +5.6%. The 3-year compound annual growth rate (CAGR) favors BHF at 12.4% vs VOYA's 6.2% — a key indicator of consistent wealth creation.
| Metric | VOYAVoya Financial, I… | BHFBrighthouse Finan… |
|---|---|---|
| YTD ReturnYear-to-date | +6.0% | -4.5% |
| 1-Year ReturnPast 12 months | +24.1% | +5.6% |
| 3-Year ReturnCumulative with dividends | +19.9% | +42.1% |
| 5-Year ReturnCumulative with dividends | +23.2% | +26.1% |
| 10-Year ReturnCumulative with dividends | +189.7% | -11.9% |
| CAGR (3Y)Annualised 3-year return | +6.2% | +12.4% |
Evenly matched — VOYA and BHF each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — VOYA and BHF each lead in 1 of 2 comparable metrics.
Risk & Volatility
BHF is the less volatile stock with a 0.37 beta — it tends to amplify market swings less than VOYA's 1.17 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | VOYAVoya Financial, I… | BHFBrighthouse Finan… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.17x | 0.37x |
| 52-Week HighHighest price in past year | $84.00 | $66.33 |
| 52-Week LowLowest price in past year | $64.50 | $42.07 |
| % of 52W HighCurrent price vs 52-week peak | +94.9% | +93.0% |
| RSI (14)Momentum oscillator 0–100 | 63.9 | 63.7 |
| Avg Volume (50D)Average daily shares traded | 1.2M | 590K |
Evenly matched — VOYA and BHF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — VOYA and BHF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates VOYA as "Buy" and BHF as "Hold". Consensus price targets imply 13.4% upside for VOYA (target: $90) vs 9.4% for BHF (target: $68). For income investors, BHF offers the higher dividend yield at 2.89% vs VOYA's 2.30%.
| Metric | VOYAVoya Financial, I… | BHFBrighthouse Finan… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $90.33 | $67.50 |
| # AnalystsCovering analysts | 26 | 20 |
| Dividend YieldAnnual dividend ÷ price | +2.3% | +2.9% |
| Dividend StreakConsecutive years of raises | 7 | 6 |
| Dividend / ShareAnnual DPS | $1.84 | $1.78 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.7% | +2.9% |
Evenly matched — VOYA and BHF each lead in 1 of 2 comparable metrics.
Key Takeaway
VOYA leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). BHF leads in 1 (Valuation Metrics). 3 tied.
Best OverallVoya Financial, Inc. (VOYA)Leads 2 of 6 categories
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VOYA vs BHF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is VOYA or BHF a better buy right now?
For growth investors, Brighthouse Financial, Inc.
(BHF) is the stronger pick with 42. 2% revenue growth year-over-year, versus -6. 9% for Voya Financial, Inc. (VOYA). Brighthouse Financial, Inc. (BHF) offers the better valuation at 10. 7x trailing P/E (3. 2x forward), making it the more compelling value choice. Analysts rate Voya Financial, Inc. (VOYA) a "Buy" — based on 26 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — VOYA or BHF?
On trailing P/E, Brighthouse Financial, Inc.
(BHF) is the cheapest at 10. 7x versus Voya Financial, Inc. at 12. 6x. On forward P/E, Brighthouse Financial, Inc. is actually cheaper at 3. 2x.
03Which is the better long-term investment — VOYA or BHF?
Over the past 5 years, Brighthouse Financial, Inc.
(BHF) delivered a total return of +26. 1%, compared to +23. 2% for Voya Financial, Inc. (VOYA). Over 10 years, the gap is even starker: VOYA returned +189. 7% versus BHF's -11. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — VOYA or BHF?
By beta (market sensitivity over 5 years), Brighthouse Financial, Inc.
(BHF) is the lower-risk stock at 0. 37β versus Voya Financial, Inc. 's 1. 17β — meaning VOYA is approximately 219% more volatile than BHF relative to the S&P 500. On balance sheet safety, Voya Financial, Inc. (VOYA) carries a lower debt/equity ratio of 30% versus 46% for Brighthouse Financial, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — VOYA or BHF?
By revenue growth (latest reported year), Brighthouse Financial, Inc.
(BHF) is pulling ahead at 42. 2% versus -6. 9% for Voya Financial, Inc. (VOYA). On earnings-per-share growth, the picture is similar: Brighthouse Financial, Inc. grew EPS 24. 8% year-over-year, compared to 2. 4% for Voya Financial, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — VOYA or BHF?
Voya Financial, Inc.
(VOYA) is the more profitable company, earning 8. 7% net margin versus 7. 0% for Brighthouse Financial, Inc. — meaning it keeps 8. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BHF leads at 7. 6% versus 3. 5% for VOYA. At the gross margin level — before operating expenses — BHF leads at 70. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is VOYA or BHF more undervalued right now?
On forward earnings alone, Brighthouse Financial, Inc.
(BHF) trades at 3. 2x forward P/E versus 8. 3x for Voya Financial, Inc. — 5. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for VOYA: 13. 4% to $90. 33.
08Which pays a better dividend — VOYA or BHF?
All stocks in this comparison pay dividends.
Brighthouse Financial, Inc. (BHF) offers the highest yield at 2. 9%, versus 2. 3% for Voya Financial, Inc. (VOYA).
09Is VOYA or BHF better for a retirement portfolio?
For long-horizon retirement investors, Brighthouse Financial, Inc.
(BHF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 37), 2. 9% yield). Both have compounded well over 10 years (BHF: -11. 9%, VOYA: +189. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between VOYA and BHF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: VOYA is a small-cap deep-value stock; BHF is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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(VOYA: -6.9% · BHF: -39.7%)P/E Ratio<
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