VOYA vs BLK

For growth investors, BlackRock, Inc.

(BLK) is the stronger pick with 14. 3% revenue growth year-over-year, versus -6. 9% for Voya Financial, Inc. (VOYA). Voya Financial, Inc. (VOYA) offers the better valuation at 12. 6x trailing P/E (8. 3x 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.

On trailing P/E, Voya Financial, Inc.

(VOYA) is the cheapest at 12. 6x versus BlackRock, Inc. at 25. 4x. On forward P/E, Voya Financial, Inc. is actually cheaper at 8. 3x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Voya Financial, Inc. wins at 0. 49x versus BlackRock, Inc. 's 2. 47x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, BlackRock, Inc.

(BLK) delivered a total return of +33. 5%, compared to +23. 2% for Voya Financial, Inc. (VOYA). Over 10 years, the gap is even starker: BLK returned +245. 8% versus VOYA's +189. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Voya Financial, Inc.

(VOYA) is the lower-risk stock at 1. 17β versus BlackRock, Inc. 's 1. 28β — meaning BLK is approximately 10% more volatile than VOYA relative to the S&P 500. On balance sheet safety, BlackRock, Inc. (BLK) carries a lower debt/equity ratio of 29% versus 30% for Voya Financial, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), BlackRock, Inc.

(BLK) is pulling ahead at 14. 3% versus -6. 9% for Voya Financial, Inc. (VOYA). On earnings-per-share growth, the picture is similar: BlackRock, Inc. grew EPS 15. 1% 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.

BlackRock, Inc.

(BLK) is the more profitable company, earning 31. 2% net margin versus 8. 7% for Voya Financial, Inc. — meaning it keeps 31. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BLK leads at 37. 1% versus 3. 5% for VOYA. At the gross margin level — before operating expenses — VOYA leads at 51. 8%, 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Voya Financial, Inc. (VOYA) is the more undervalued stock at a PEG of 0. 49x versus BlackRock, Inc. 's 2. 47x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Voya Financial, Inc. (VOYA) trades at 8. 3x forward P/E versus 20. 1x for BlackRock, Inc. — 11. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BLK: 22. 8% to $1311. 78.

All stocks in this comparison pay dividends.

Voya Financial, Inc. (VOYA) offers the highest yield at 2. 3%, versus 1. 9% for BlackRock, Inc. (BLK).

For long-horizon retirement investors, Voya Financial, Inc.

(VOYA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 17), 2. 3% yield, +189. 7% 10Y return). Both have compounded well over 10 years (VOYA: +189. 7%, BLK: +245. 8%), 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.

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; BLK is a mid-cap quality compounder 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.