Analyzing Voya Financial (NYSE:VOYA) and Fold (NASDAQ:FLD)

Voya Financial (NYSE:VOYA) and Fold (NASDAQ:FLD) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, dividends, risk, valuation, earnings and institutional ownership.

Insider and Institutional Ownership

96.1% of Voya Financial shares are owned by institutional investors. Comparatively, 56.9% of Fold shares are owned by institutional investors. 1.6% of Voya Financial shares are owned by company insiders. Comparatively, 16.7% of Fold shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Voya Financial and Fold’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Voya Financial	7.45%	12.31%	0.46%
Fold	-258.60%	-116.17%	-55.07%

Valuation & Earnings

This table compares Voya Financial and Fold”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Voya Financial	$8.19 billion	1.05	$654.00 million	$5.93	16.04
Fold	$31.79 million	0.94	-$69.59 million	($1.54)	-0.35

Voya Financial has higher revenue and earnings than Fold. Fold is trading at a lower price-to-earnings ratio than Voya Financial, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

Voya Financial has a beta of 0.9, suggesting that its share price is 10% less volatile than the S&P 500. Comparatively, Fold has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Voya Financial and Fold, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Voya Financial	1	3	8	1	2.69
Fold	1	0	2	0	2.33

Voya Financial currently has a consensus price target of $103.85, indicating a potential upside of 9.18%. Fold has a consensus price target of $2.40, indicating a potential upside of 344.36%. Given Fold’s higher probable upside, analysts clearly believe Fold is more favorable than Voya Financial.

Summary

Voya Financial beats Fold on 13 of the 15 factors compared between the two stocks.

About Voya Financial

Voya Financial, Inc. engages in the provision of workplace benefits and savings products in the United States and internationally. The company operates through three segments: Wealth Solutions, Health Solutions, and Investment Management. The Wealth Solutions segment offers full-service retirement products; recordkeeping services; stable value and fixed general account investment products; non-qualified plan administration services; and tools, guidance, and services to promote the financial well-being and retirement security of employees. The segment also provides wealth management services, such as individual retirement, managed, and brokerage accounts, as well as financial guidance and advisory services. This segment serves corporate, public and private school systems, higher education institutions, hospitals and healthcare facilities, other non-profit organizations, and state and local governments, as well as institutional and individual customers. The Health Solutions segment offers various insurance products comprising stop loss, group life, group disability, whole life, critical illness, accident, and hospital indemnity insurance. The segment also provides worksite employee benefits, health account solutions, leave management, benefits administration, health plan enrollment, financial wellness, and decision support products and services to mid-size and large corporate employers and professional associations. The Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual investors and institutional clients through its direct sales force, consultant channel, banks, broker-dealers, and independent financial advisers. The company was formerly known as ING U.S., Inc. and changed its name to Voya Financial, Inc. in April 2014. Voya Financial, Inc. was founded in 1975 and is based in New York, New York.

About Fold

FTAC Emerald Acquisition Corp. does not have significant operations. It intends to effect a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, and similar business combination with one or more businesses or assets operating in the clean/renewable energy, water sustainability, agricultural technology, shared economy software, and mobility sectors. The company was formerly known as Emerald ESG Acquisition Corp. FTAC Emerald Acquisition Corp. was incorporated in 2021 and is based in Philadelphia, Pennsylvania.