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Voya Financial (VOYA) investor relations material
Voya Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Achieved over $1 trillion in total assets across Retirement and Investment Management, with nearly 10 million retirement participant accounts and strong organic growth.
Q2 2025 net income available to common shareholders was $162 million, down year-over-year, while adjusted operating earnings rose to $240 million, driven by Retirement and Employee Benefits growth and OneAmerica integration.
Maintained commercial momentum, net revenue growth, and disciplined execution across business segments.
Consistent free cash flow generation and a healthy balance sheet support ongoing strategic priorities.
Returned $44 million to shareholders via common dividends in Q2 2025.
Financial highlights
Adjusted operating earnings per share of $2.46, up 13% year-over-year; adjusted operating earnings rose to $240M from $223M; net income impacted by investment losses and $18M in severance expenses.
Net investment income and fee income increased, driven by OneAmerica assets and higher equity markets.
Premiums declined due to actions in the Stop Loss business; operating expenses increased from OneAmerica integration and severance.
Generated $200M of excess capital in Q2 and $400M year-to-date; free cash flows on track to exceed $700M guidance.
Returned over $40M to shareholders via dividends; share repurchase authorization of $761M remained as of June 30, 2025.
Outlook and guidance
Free cash flows for FY'25 expected to surpass $700M target; management focused on organic growth, OneAmerica integration, and margin improvement.
Expect outflows in retirement in Q3 due to a large planned surrender, but overall on pace for a record year.
Sensitivity to S&P 500 changes: +/-10% impacts total earnings by $55–$75M; interest rate changes of +/-100bps impact by $15–$35M.
Alternative investment income anticipated to be lower sequentially in Q3 2025.
Focus remains on capital-light, high free cash flow business and proactive risk management.
How will 2026 stop-loss pricing address rising medical trend?
Detail Blue Owl partnership's impact on retirement
Prioritize 2026 capital deployment beyond buybacks
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Next Voya Financial earnings date
Q3 20255 Nov, 2025
Next Voya Financial earnings date
Q3 20255 Nov, 2025
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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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