VOYA

Conclusions

• 🟢Price vs. SMA 50 — Price is above the 50-day average
• 🟢Price vs. SMA 200 — Price is above the 200-day average
• 🔴MACD — MACD histogram is negative — falling momentum
• 🟢RSI — RSI 66.2 — healthy positive momentum
• 🔴Stochastic — %K 85.6 — overbought
• 🟢ADX (trend strength) — ADX 35.2 — strong trend
• 🟢Volume trend — Rising volume supports the price advance
• 🟢Relative strength vs. S&P 500 — +21.4% over the last 3 months relative to the index
• 🟢Bollinger Bands — Price is in the upper third of the Bollinger Bands (101%B) — strong momentum (risk of a pullback)
• 🟢ROC (rate of change) — ROC 12 days: 3.3%
• 🟢Parabolic SAR — Price is above the SAR point — uptrend
• 🟢CMF (money flow) — CMF 20 days: 0.12

3️⃣ Suggested Exit Point (ATR-based)

Method formula: Stop-loss = support minusone ATR margin — this way the stop adapts to the stock's actual volatility, rather than an arbitrary number.

Profit Targets by Risk/Reward Ratio (R)

Conclusions

• 🟡Operating margin — Operating margin: 12.7% — reasonable
• 🟡Net margin — Net margin: 8.0% — reasonable
• 🟡Return on equity (ROE) — Return on equity (ROE): 13.2% — reasonable
• 🔴Return on assets (ROA) — Return on assets (ROA): 0.4% — weak
• 🟢Debt-to-equity — Debt/equity: 0.42

Conclusions

• 🟡Revenue growth (last year) — Revenue growth (last year): 1.7%
• 🟡Earnings per share (EPS) growth — Earnings per share (EPS) growth: 1.9%
• 🔴Net income growth — Net income growth: -1.9%

Conclusions

• 🟡Tangible Net Asset Value (NAV) — NAV per share: $33.62
• 🟡P/E — P/E: 16.1