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Voya Financial (VOYA) investor relations material
Voya Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Net income available to common shareholders rose to $176 million ($1.80 per diluted share) in Q3 2025, up from $98 million ($0.98 per share) year-over-year, driven by commercial momentum, OneAmerica integration, and disciplined expense management.
Adjusted operating earnings were $239 million ($2.45 per diluted share), a 26% increase from $190 million ($1.90 per share) in the prior year, with all business segments contributing to growth.
Generated robust free cash flow, with over $200 million in excess capital in Q3 and $600 million year-to-date, supporting ongoing capital deployment and shareholder value creation.
Integration of OneAmerica ahead of expectations, contributing to higher revenue and earnings in the Retirement segment.
Disciplined capital returns, including resumed share repurchases and a 4% dividend increase, reflect a strong balance sheet and commitment to shareholder value.
Financial highlights
Adjusted operating EPS rose to $2.45, up nearly 30% year-over-year; net income available to common shareholders was $176 million, up from $98 million.
Net revenues for Q3 2025 were $2,128 million, up from $1,956 million year-over-year, with net investment income and fee income both increasing.
Over $200 million in excess capital generated in Q3; year-to-date capital generation at $600 million.
Return on equity improved to 18% in the third quarter.
Free cash flow conversion consistently at or above 90%.
Outlook and guidance
Management expects to exceed the $700 million full-year capital generation target, with continued focus on capital-light, high free cash flow business.
Projected $100–$150 million in quarterly dividends and share repurchases through 2026.
Retirement margins expected to return to the midpoint of the 35%-39% target range in 2026, supported by strategic investments.
Wealth management investments of up to $75 million planned for 2026, with revenue growth expected in 2027 and beyond.
4Q'25 guidance includes Retirement DC net flows of $(2-4)B, Investment Management performance fees of $5–15M, and Employee Benefits Group Life loss ratios normalizing to 77–80%.
How will Employee Benefits revenue evolve?
Corporate compensation accruals: future trend?
Capital deployment strategy for excess capital?
Wealth Management investment: specific revenue drivers?
Stop Loss: 2026 margin improvement strategy?
Capital return beyond 2026: drivers of change?
Wealth management revenue contribution outlook
Stop loss 2026 margin outlook
M&A focus for 2026
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Next Voya Financial earnings date
Q4 20254 Feb, 2026
Next Voya Financial earnings date
Q4 20254 Feb, 2026
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Frequently asked questions
Voya Financial Inc provides retirement, investment, and insurance solutions. The company offers workplace retirement plans, employee benefits, asset management, and individual life insurance products, serving both institutional and retail clients. The company is headquartered in New York, New York, and its shares are listed on the NYSE.
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