Risk factors

Voya Financial (VOYA) risk factors

Item 1A of every Voya Financial, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    36 risks1 new5 dropped7 reworded

    Employee Benefits pricing now highlights medical inflation, gene therapies, climate impacts, and changing mortality and morbidity.

    Filed Feb 20, 2026
  • FY2024 10-K risk factors
    40 risks

    Voya Financial faces intense competition across highly regulated financial markets. Market volatility, interest rate shifts, and credit risks threaten investment portfolios and liquidity. Complex operations rely heavily on third-party IT, outsourcing, and data security.

    Filed Feb 21, 2025