Voya Financial, Inc. (VOYA): Análisis de la Matriz ANSOFF [Actualizado en Ene-2025]

En el panorama dinámico de los servicios financieros, Voya Financial, Inc. se encuentra en la encrucijada de la innovación y el crecimiento estratégico. Al crear meticulosamente una matriz de Ansoff integral, la compañía presenta una audaz hoja de ruta diseñada para navegar por el complejo terreno de la planificación de la jubilación, la transformación digital y la expansión del mercado. Desde aprovechar las herramientas impulsadas por la IA de vanguardia hasta la exploración de la demografía profesional emergente, el enfoque estratégico de Voya promete redefinir cómo los inversores modernos se involucran con los servicios financieros, preparando el escenario para un viaje transformador que equilibra la sabiduría tradicional con soluciones a futuro.

Voya Financial, Inc. (Voya) - Ansoff Matrix: Penetración del mercado

Expandir los esfuerzos de marketing digital

En 2022, Voya Financial reportó $ 8.5 mil millones en activos digitales bajo administración. La asignación del presupuesto de marketing digital alcanzó los $ 42.3 millones, dirigido a los titulares de cuentas de jubilación de 3.2 millones existentes.

Métricas de marketing digital	Datos 2022
Gestión de activos digitales	$ 8.5 mil millones
Presupuesto de marketing	$ 42.3 millones
Base de clientes existente	3.2 millones

Desarrollar campañas de venta cruzada específicas

Las iniciativas de venta cruzada en 2022 generaron $ 276 millones en ingresos adicionales, con una tasa de conversión del 14.7% entre los clientes existentes.

• Ingresos promedio de venta cruzada por cliente: $ 86.25
• Tasa de conversión del producto: 14.7%
• Ingresos totales de venta cruzada: $ 276 millones

Mejorar los programas de retención de clientes

Voya Financial logró una tasa de retención de clientes del 92.3% en 2022, invirtiendo $ 18.7 millones en servicios de asesoramiento financiero personalizado.

Métricas de retención	Rendimiento 2022
Tasa de retención de clientes	92.3%
Inversión de servicios de asesoramiento	$ 18.7 millones

Implementar estrategias de fijación de precios competitivas

Voya Financial redujo las tarifas de gestión promedio en un 0.12%, atrayendo a 47,500 nuevos clientes en 2022 con modelos de precios competitivos.

• Reducción de tarifas: 0.12%
• Nuevos clientes adquiridos: 47,500
• Valor promedio de la cartera del cliente: $ 215,000

Voya Financial, Inc. (Voya) - Ansoff Matrix: Desarrollo del mercado

Expandir el alcance geográfico en áreas metropolitanas de tamaño mediano

Voya Financial identificó 72 áreas metropolitanas de tamaño mediano con posibles oportunidades de mercado de planificación de jubilación. A partir del cuarto trimestre de 2022, la compañía dirigió a los mercados con población oscila entre 250,000 y 750,000 residentes.

Categoría de área metropolitana	Tamaño del mercado objetivo	Penetración potencial
Áreas metropolitanas medianas pequeñas	250,000-500,000 residentes	37% de potencial de mercado
Áreas metropolitanas de mediana	500,000-750,000 residentes	52% de potencial de mercado

Desarrollar productos financieros especializados

Voya Financial desarrolló productos financieros específicos para la demografía profesional emergente.

• Portafolio de jubilación de trabajadores tecnológicos: valor de inversión promedio de $ 85,000
• Plan de inversión profesional de la salud: $ 112,000 Valor de inversión promedio
• Estrategia de jubilación de empleados de inicio: $ 67,500 Monto mediano de inversión

Inversión de plataforma digital

En 2022, Voya Financial invirtió $ 42.3 millones en desarrollo de plataformas digitales dirigidas a inversores más jóvenes.

Métrica de plataforma digital	Rendimiento 2022
Descargas de aplicaciones móviles	1.2 millones
Aperturas de cuentas digitales	387,000
Edad de usuario promedio	34 años

Asociaciones estratégicas

Voya Financial estableció asociaciones con 23 instituciones financieras regionales en 2022.

• Valor de asociación total: $ 276 millones
• Nuevo acceso al mercado: 14 estados adicionales
• Expansión de base de clientes combinadas: 1.6 millones de clientes potenciales

Voya Financial, Inc. (Voya) - Ansoff Matrix: Desarrollo de productos

Lanzar herramientas innovadoras de planificación de jubilación digital con recomendaciones avanzadas de inversión impulsadas por IA

Voya Financial invirtió $ 52.3 millones en desarrollo de tecnología digital en 2022. La plataforma digital de la compañía atiende a 4,3 millones de usuarios activos con sistemas de recomendación de inversión con IA.

Métricas de plataforma digital	Datos 2022
Usuarios digitales totales	4.3 millones
Inversión tecnológica	$ 52.3 millones
Precisión de inversión de IA	87.6%

Desarrollar productos de inversión centrados en ESG

Voya lanzó 7 nuevos fondos de inversión centrados en ESG en 2022, atrayendo $ 1.2 mil millones en capital de inversión sostenible.

• Fondos de ESG lanzados: 7
• Capital de inversión sostenible: $ 1.2 mil millones
• Cuota de mercado de productos ESG: 4.3%

Crear soluciones personalizadas de seguros y jubilación para profesionales de la economía de conciertos

Voya desarrolló 3 productos de jubilación especializados para profesionales independientes, capturando el 6.2% del mercado de servicios financieros de Gig Economy.

Métricas de productos de la economía del concierto	Datos 2022
Productos especializados lanzados	3
Cuota de mercado	6.2%
Valor promedio del producto	$47,500

Introducir productos financieros híbridos que combinen la planificación de la jubilación con ahorros para la salud

Voya introdujo 2 productos financieros híbridos que integran el ahorro de jubilación y salud, generando $ 385 millones en ingresos combinados.

• Productos híbridos lanzados: 2
• Ingresos de productos híbridos totales: $ 385 millones
• Tasa promedio de adopción del cliente: 5.7%

Voya Financial, Inc. (Voya) - Ansoff Matrix: Diversificación

Explore posibles adquisiciones en los sectores de servicios financieros de Insurtech y digital

En 2022, Voya Financial reportó ingresos totales de $ 8.2 mil millones. La estrategia de transformación digital de la compañía implica inversiones estratégicas en servicios financieros impulsados ​​por la tecnología.

Objetivo de adquisición potencial	Valor de mercado estimado	Enfoque tecnológico
Insurtech Startup a	$ 150 millones	Procesamiento de reclamos dirigidos por IA
Plataforma financiera digital B	$ 275 millones	Seguimiento de inversiones de blockchain

Desarrollar plataformas de seguimiento de inversiones y inversiones basadas en blockchain

El presupuesto de inversión tecnológica de Voya para 2023 es de $ 275 millones, con un 40% asignado al desarrollo de infraestructura digital.

• Costo de desarrollo de la plataforma blockchain estimado en $ 45 millones
• Mejora de la eficiencia de la plataforma proyectada: 32%
• Mejora de ciberseguridad esperada: 27%

Cree servicios integrales de planificación financiera integrada en el bienestar

Voya administra $ 273 mil millones en activos a partir del cuarto trimestre de 2022, con un enfoque creciente en soluciones integradas de bienestar financiero.

Segmento de servicio	Inversión proyectada	Adopción de usuario esperada
Planificación financiera de bienestar	$ 62 millones	17% de crecimiento año tras año
Integración de salud digital	$ 38 millones	Aumento del usuario proyectado del 22%

Investigar los mercados internacionales para la expansión de los productos de jubilación e inversión

La actual penetración del mercado internacional de Voya es del 3.5% de los ingresos totales, con planes de expansión dirigidos a los mercados emergentes.

• Mercados objetivo: Canadá, Reino Unido, Australia
• Crecimiento de ingresos internacionales proyectados: 6.2% en los próximos 3 años
• Inversión estimada de entrada al mercado: $ 95 millones

Voya Financial, Inc. (VOYA) - Ansoff Matrix: Market Penetration

Market Penetration for Voya Financial, Inc. (VOYA) centers on deepening relationships within existing client bases and maximizing the value from recent strategic moves, like the OneAmerica Financial acquisition.

The integration of the OneAmerica Financial full-service retirement plan business is a prime driver for this strategy. This transaction is specifically designed to capture an estimated $47 billion of assets under administration (AUA) within Voya's strategically important full-service Emerging and Mid-Market segments. Post-close, Voya's Wealth Solutions Defined Contribution client assets are projected to grow to $580 billion, with the total retirement plan count reaching 60,000 and the participant pool expanding to approximately 7.9 million individuals.

A key action here is the cross-sell initiative targeting the existing client base. Voya has approximately 15.7 million customers across its AUM and AUA. The goal is to cross-sell Investment Management's fixed income solutions to these existing Retirement clients. Voya Investment Management manages $366 billion in assets as of September 30, 2025, offering extensive fixed income strategies, including Core Fixed Income and Multi Sector options.

In the Multiple Employer Solution (MES) retirement plan business, Voya Financial is already seeing traction, which supports market penetration efforts. For the first half of 2025 (H1 2025), the MES plan business experienced a 52% year-over-year increase in funded sales as of June 30, 2025. This growth validates the focus on scalable, flexible retirement offerings in this segment.

For the Employee Benefits segment, the focus shifts to operational efficiency to maximize profitability from the existing market. You need to concentrate on improving the adjusted operating margin, which stood at 6.0% for the trailing twelve months (TTM) ended September 30, 2025. (Note: For the TTM ended June 30, 2025, the segment, then called Health Solutions, reported an adjusted operating margin of 3.7%, or 4.2% excluding notable items.) Improving this margin is critical for leveraging current market share.

Finally, capital deployment supports market penetration through increased visibility. Voya generated more than $200 million in excess capital in the third quarter of 2025 (Q3 2025). This capital should be directed toward targeted marketing campaigns designed to increase plan participation rates among the existing client base and newly acquired assets.

Here are the key metrics underpinning the Market Penetration strategy:

Metric	Value	Source/Context
Mid-Market Assets from OneAmerica Acquisition	$47 billion	Assets added to Emerging and Mid-Market segments.
Existing Retirement Clients (Participants)	~15.7 million	Total customers across AUM and AUA.
MES Funded Sales Growth (H1 2025)	52%	Year-over-year increase in funded sales for the Multiple Employer Solution business as of June 30, 2025.
Employee Benefits Segment Adj. Op. Margin (TTM Sep 30, 2025)	6.0%	Target margin for improvement focus.
Q3 2025 Excess Capital Generated	Over $200 million	Capital available for strategic investment/marketing.

To execute this penetration strategy effectively, you should focus on these immediate actions:

• Finalize the integration of the $47 billion in OneAmerica mid-market assets.
• Launch pilot cross-sell campaigns for fixed income to 15.7 million existing Retirement clients.
• Analyze the drivers behind the 52% MES funded sales growth to replicate success.
• Implement cost controls to push the 6.0% Employee Benefits margin higher.
• Allocate a portion of the $200 million Q3 2025 excess capital to marketing.

Finance: finalize the post-integration capital allocation plan for Q4 2025 by next Wednesday.

Voya Financial, Inc. (VOYA) - Ansoff Matrix: Market Development

Expand the Investment Management segment's institutional flows into new, non-U.S. insurance mandates, building on existing international momentum.

Voya Investment Management manages $366 billion in assets as of September 30, 2025. The segment generated net inflows of $3.9 billion for the three months ended September 30, 2025, which represented organic growth of 1.2% for that quarter. For the second quarter of 2025, Investment Management reported net inflows of $2 billion, contributing to year-to-date net flows of nearly $10 billion. Pre-tax adjusted operating earnings for Investment Management in Q2 2025 were $51 million. The firm is expanding its investment capabilities for insurance clients, evidenced by the hiring of a head of Insurance Solutions in July 2025 to expand investment capabilities for insurance clients.

Here's a look at the recent flow performance for the Investment Management segment:

Metric	Value (as of Q3 2025)	Period
Total Assets Under Management	$366 billion	September 30, 2025
Net Inflows (Excluding Divested Businesses)	$3.9 billion	Three Months Ended September 30, 2025
Organic Growth Rate	1.2%	Three Months Ended September 30, 2025
Net Inflows	$2 billion	Q2 2025
Year-to-Date Net Inflows	Nearly $10 billion	As of Q2 2025

Target the small business market with simplified, digital-first 401(k) and 403(b) retirement products.

Voya Financial is seeing traction in smaller and mid-sized markets, which often utilize simplified, aggregated retirement offerings. As of June 30, 2025, the company's Multiple Employer Solution (MES) plan business saw a 52% year-over-year increase in funded sales. These MES options are designed to streamline administration and serve as a pragmatic solution for smaller businesses. Voya serves over 39,000 U.S. employers, and as of July 2025, these employers and their participants held over $630 billion in defined contribution assets on the platform. Total defined contribution net inflows for Q2 2025 were approximately $12 billion.

Utilize the Stop Loss business's improved underwriting margins to aggressively enter new regional U.S. markets.

The Stop Loss business is showing margin improvement due to disciplined pricing and underwriting actions taken for the 2025 book. For the January 2025 stop loss cohort, Voya held reserves at an 87% loss ratio. In the third quarter of 2025, this segment generated pre-tax adjusted operating earnings of $47 million, a significant increase from $23 million in the prior-year period, directly driven by improved underwriting margins. In Q3 2025, Stop Loss collected almost $453 million in premiums and paid about $424 million in benefits, resulting in an operating gain of $28 million. The company has been focused on disciplined pricing, with average rate increases for coverage renewing in January 2025 being twice as large as those for January 2024 renewals.

Key Stop Loss Financial Metrics (Q3 2025):

• Pre-tax adjusted operating earnings: $47 million
• Q3 Premiums Collected: Almost $453 million
• Q3 Benefits Paid: About $424 million
• Operating Gain: $28 million
• January 2025 Cohort Loss Ratio Reserve: 87%

Establish new distribution partnerships with large regional banks or credit unions for retail wealth products.

Voya Investment Management is actively expanding its distribution reach across private wealth markets, including broker-dealers, private banks, and RIAs, by adding senior sales leadership in June 2025. A key development is the finalized selling agreement with Edward Jones, which will allow their financial advisors to offer Voya's retirement tools and services. Furthermore, a strategic partnership with Blue Owl Capital will make private markets investment products available through advisor-managed accounts on Voya's retirement platform. The firm is also building out its team to deepen relationships with key distribution partners, with new business development hires focused on driving growth across these channels.

Offer specialized retirement plans to specific professional groups, like medical or legal practices, using a tailored advisory model.

Voya Financial offers tailored 401(k), 403(b), 457, and nonqualified plans, emphasizing flexibility for diverse employee needs. The company is a leading provider in the tax-exempt market, serving more than 25,000 plans and over 3.6 million plan participants in that sector. Voya also launched the first 403(b) Pooled Employer Plan post-SECURE Act 2.0, designed for 501(c)(3) nonprofit organizations and health care related entities. The firm is focused on providing local financial professionals for one-on-one education and advice to plan participants. Finance: draft 13-week cash view by Friday.

Voya Financial, Inc. (VOYA) - Ansoff Matrix: Product Development

You're hiring before product-market fit, so you need to be precise about what new things you're bringing to your existing client base. Here's the quick math on the planned product development initiatives for Voya Financial, Inc. (VOYA).

Launch new actively managed Exchange Traded Funds (ETFs) within Investment Management to meet growing retail demand.

Voya Investment Management (Voya IM) announced the launch of its first three actively managed exchange-traded funds (ETFs), with two launching in November 2025 and the third, the Voya Multi-Sector Income ETF (VMSB), launching in December 2025. The VMSB fund started trading on December 2, 2025. Voya IM currently serves as sub-advisor to 10 ETFs, which collectively represent approximately $2.5 billion in assets under management (AUM). The team managing these new products, the Multi-Sector Fixed Income team, manages $43 billion across multiple strategies as of September 30, 2025. Voya IM manages approximately $366 billion in total assets as of September 30, 2025.

• Voya IM's flagship Intermediate Bond Fund has $10 billion in AUM.
• The new ETFs include Voya Ultra Short Income ETF (VUSI) and Voya Core Bond ETF (VCOB).
• VMSB has a maximum short-term capital gains rate of 39.60%.

Roll out a comprehensive, integrated Short-Term Disability and Leave Management platform, leveraging 2025 strategic investments.

Voya Financial is evolving its Voya Leave Management (VLM) and Short Term Disability (STD) offerings to deliver a more connected and supportive experience. Enhancements to the myBenefitsHub online absence management portal were made available for new customers starting January 1, 2025, with current clients migrating in December 2024. Voya's research found that 93% of employees consider an online employee benefits portal or enrollment platform to be "extremely" or "somewhat important" in making benefits decisions. Voya Leave Management services are sold with Disability Income Coverage and help employers manage time off consistent with federal Family and Medical Leave Act (FMLA), state unpaid leave laws, Paid Family Leave (PFL/PFML), and Americans with Disability Act (ADA) leaves.

Metric	Data Point
Employees willing to take lower salary for better leave policies	63%
Voya Leave Management assigned caseloads	Low target

Develop advanced financial wellness tools that use AI to personalize retirement income projections for participants.

The focus on retirement readiness is clear, with 69% of participants in the 2025 Survey of the Retirement Landscape feeling very or somewhat prepared for retirement. Voya's Wealth Solutions segment saw defined contribution net inflows surge to $30 billion in Q1 2025. This segment's total client assets reached $694 billion as of Q1 2025, marking a 21% year-on-year jump. Fee-based revenue now accounts for over 80% of the Wealth Solutions segment's income. Voya WealthPath is an enhanced technology platform for Voya Financial Advisors that includes financial planning tools.

• Wealth Solutions pre-tax earnings rose 11% to $207 million in Q1 2025.
• The U.S. retirement market Voya serves is valued at $13 trillion.

Introduce a new suite of guaranteed income solutions (annuities) tailored for the post-retirement phase of existing 401(k) clients.

Voya offers a suite of annuity products designed for growth, protection, and income. In the first half of 2025, as of June 30, funded sales within Voya's Multiple Employer Solution (MES) plan business increased by 52% year-over-year. Voya recently increased its quarterly dividend by 12.5% to $0.45 per share. The Voya Solution 2025 Portfolio is designed for investors planning to begin retirement between 2023 and 2027, currently focused on reducing volatility to preserve existing assets.

Annuity Feature	Benefit Type
Guaranteed fixed rate of return	Fixed annuities
Income stream guaranteed for life	Income annuities
Interest crediting linked to index with downside protection	Index annuities

Integrate legacy planning services, like the Empathy LifeVault, across the Employee Benefits platform for a holistic offering.

Voya Financial integrated Empathy LifeVault™, marking the first time a financial institution implemented the platform. This addresses the finding that 67% of individuals lack access to essential documents after a loved one's death, which can extend estate settlements up to 20 months. The integration targets enrollees of Voya's Group Term Life Insurance and Lifetime Life Insurance policies. Only 24% of U.S. adults currently report having a will. An anticipated $84 trillion wealth transfer is expected from baby boomers over the next two decades.

• LifeVault offers a secure digital platform for storing personal affairs and creating legal documents.
• The service extends to employees' loved ones and beneficiaries.

Finance: draft Q3 2025 capital allocation report by Monday.

Voya Financial, Inc. (VOYA) - Ansoff Matrix: Diversification

You're looking at Voya Financial, Inc. (VOYA) and mapping out where new growth can come from beyond the core business lines. Diversification, in this context, means moving into new markets or creating entirely new product types, which is a step up in risk from just selling more of what you already have. To understand the scale of these potential moves, look at where Voya Financial stands as of late 2025.

The Investment Management (IM) segment, a key engine, reported preliminary Assets Under Management (AUM) of $366 billion as of September 30, 2025. This segment is significant, ranking Voya IM among the top-50 institutional managers globally by AUM. The total firm-wide assets under management and administration (AUM&A) reached $1.1 trillion as of that same date. For context on recent performance, the TTM revenue ending September 30, 2025, was $8.088B, and Q2 2025 total revenues hit $1,981 million.

Here's a quick look at the current IM AUM structure, which shows where the existing client base is concentrated:

AUM Category	Amount (as of 9/30/2025)
Total IM AUM	$366 billion
Institutional External Client Assets	$173 billion
Retail External Client Assets	$156 billion
Company General Account Assets	$37 billion

Acquiring a specialized FinTech firm to offer a B2B Digital Transformation Services platform to other financial institutions is a move into a new service line entirely. This would create a revenue stream separate from the traditional fee-based income derived from the existing $366 billion in IM AUM. The firm generated approximately $0.2 billion of excess capital in Q2 2025, which could fund such a strategic acquisition or build-out, though the required investment for a specialized platform would need careful underwriting.

Entering the Canadian market with a new, specialized Investment Management product, like a private credit fund, leverages existing IM expertise but targets a new geography. Voya IM already manages $86 billion in private fixed income assets. The success of existing product development is visible in the $1.8 billion net inflows IM generated in the three months ended June 30, 2025. This new product would aim to capture a share of the international asset management pool, building on the firm's global aspirations.

Creating a new, non-insurance-based wealth advisory service focused exclusively on high-net-worth individuals (HNWIs) targets a different client segment. Currently, Voya's external client assets are split between Institutional at $173 billion and Retail at $156 billion as of September 30, 2025. A dedicated HNWI service would require a different fee structure and service model than the current setup, which supports the $156 billion in Retail external client assets.

Investing in and launching a new business line providing Internet of Things (IoT) Services for commercial real estate asset management is a true diversification away from financial services products. This would be a completely new revenue stream, contrasting sharply with the core business earnings. For instance, the Retirement segment posted pre-tax adjusted operating earnings of $235 million in Q2 2025. Any new venture must eventually scale to contribute meaningfully against these established profit centers.

Establishing a dedicated venture capital arm to invest in early-stage HealthTech startups creates another distinct revenue stream. The Investment Management segment's TTM Adjusted Operating Earnings before Income Taxes was $220 million as of Q3 2025. This VC arm would aim for outsized, long-term capital gains, which is a different return profile than the current $107 billion in equity assets managed by IM.

The current operational structure provides the foundation for these expansion strategies:

• Total client assets reached $757 billion as of June 30, 2025.
• The firm returned $44 million to shareholders via common dividends in Q2 2025.
• The Employee Benefits segment saw pre-tax adjusted operating earnings of $69 million in Q2 2025.
• The expected loss ratio for the 2024 Stop Loss cohort was lowered to 91%.
• The firm maintains a current ratio of 8.6.