Voya Financial (NYSE:VOYA) versus California First Leasing (OTCMKTS:CFNBD) Financial Analysis

California First Leasing (OTCMKTS:CFNBD) and Voya Financial (NYSE:VOYA) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, dividends, risk, earnings, profitability and valuation.

Analyst Ratings

This is a summary of recent ratings and price targets for California First Leasing and Voya Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California First Leasing	0	0	0	0	0.00
Voya Financial	1	3	8	1	2.69

Voya Financial has a consensus target price of $103.85, suggesting a potential upside of 2.96%. Given Voya Financial’s stronger consensus rating and higher possible upside, analysts clearly believe Voya Financial is more favorable than California First Leasing.

Risk & Volatility

California First Leasing has a beta of 0.29, indicating that its stock price is 71% less volatile than the S&P 500. Comparatively, Voya Financial has a beta of 0.89, indicating that its stock price is 11% less volatile than the S&P 500.

Insider & Institutional Ownership

6.5% of California First Leasing shares are held by institutional investors. Comparatively, 96.1% of Voya Financial shares are held by institutional investors. 92.2% of California First Leasing shares are held by company insiders. Comparatively, 1.6% of Voya Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
California First Leasing	N/A	N/A	N/A
Voya Financial	7.45%	12.31%	0.46%

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California First Leasing	$30.12 million	10.14	$20.27 million	N/A	N/A
Voya Financial	$8.19 billion	1.12	$654.00 million	$5.93	17.01

Voya Financial has higher revenue and earnings than California First Leasing.

Summary

Voya Financial beats California First Leasing on 11 of the 13 factors compared between the two stocks.

About California First Leasing

California First Leasing Corporation provides loans and lease financing for universities, businesses, and other commercial or non-profit organizations. The company was formerly known as California First National Bancorp and changed its name to California First Leasing Corporation in February 2021. California First Leasing Corporation was founded in 1977 and is based in Newport Beach, California.

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.