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

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

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Fold and Voya Financial, as reported by MarketBeat.

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

Fold currently has a consensus target price of $2.40, suggesting a potential upside of 347.18%. Voya Financial has a consensus target price of $103.85, suggesting a potential upside of 6.76%. Given Fold’s higher probable upside, research analysts clearly believe Fold is more favorable than Voya Financial.

Profitability

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

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

Volatility and Risk

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

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fold	$31.79 million	0.93	-$69.59 million	($1.54)	-0.35
Voya Financial	$8.19 billion	1.08	$654.00 million	$5.93	16.40

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.

Insider & Institutional Ownership

56.9% of Fold shares are held by institutional investors. Comparatively, 96.1% of Voya Financial shares are held by institutional investors. 16.7% of Fold shares are held by insiders. Comparatively, 1.6% of Voya Financial shares are held by 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.

Summary

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

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.

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.