AInvestOption Pilot Program
Options/VOYA
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VOYAVOYA FINANCIAL, INC.

Options Analysis Report•LIFE INSURANCE
Market Cap $9.2B|NYSE
● 2026-08-28$101.16
BULLISH
Analysis: 2026-08-27 EOD data
1Y +34.8%YTD +33.8%7D +3.5%
65
30D
±6.8%
2%

VOYA Options Overview

bullish flow. Conditions favor option buyers.

REWARDS

RISK ANALYSIS

5.1VALUESENTIMENTACTIVITYLIQUIDITYTIMING

Snowflake Analysis

Favorable conditions for option buyers

Learn
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VOYA Gamma Walls

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Value

Is IV priced right?

6.0
ExpensiveCheap

Measures whether options are cheap, fair, or rich relative to historical and peer

levels.

Risk Checks4/9 checks passed
≤35%

IV Rank 40.6% — elevated vs history

<1.05x

IV/HV 1.56x — IV premium over HV

Sector Relative≤50%

Sector percentile 61% — above sector median

<1.1x

Front/Back 0.76x — contango

<1.25x

Put/Call IV 1.16x — elevated

<80%

ATM IV 28.5% — normal range

<80%

Effective IV 98.7% (ATM 28.5% + spread 35.1% + bias) — expensive

<3.0%

Total drag 47.13% (spread 35.09% + slippage 12.04%) — high friction

≥5.0

Vega efficiency 6.25 (vega 21.939 / spread 35.09%) — acceptable

Sentiment

Bullish or bearish?

7.8
BearishBullish

Analyzes

,
, and flow direction to determine market bias.

Risk ChecksVery Bullish - Strong signal (Conviction: +38%, Raw: +29%)
|net sentiment| ≥25%

Conviction-weighted: +38% (strong bullish) — Raw: +29%

≥15%

|OI skew| 26.5% — call-heavy

Same sign, |vol skew| ≥10%

Vol skew +96.9%, OI skew +26.5% — aligned

≥2/3 conditions

0-DTE 0%, far-OTM 15%, avg DTE 30

|change| ≥3%

OI change +0.0% (5d) — stable

|weighted flow| ≥20%

ITM: -33%, ATM: +50%, OTM: +31% — neutral (ITM/ATM divergent)

Sector Relative≤40% or ≥60%

Sector P/C percentile 1% — very bullish vs sector

Activity

Unusual activity?

2.3
QuietActive

Detects volume surges,

, and unusual options activity that may signal moves.

Risk Checks1/8 checks passed
≥1.5x

Volume 0.1x avg — normal

≥15%

Vol/OI 0.5% — normal turnover

≥2 days

1 day(s) elevated — may be one-day event

≥5%

OI change -39.1% (5d) — unwinding

Sector Relative≥60%

Sector activity percentile 15% — quiet vs sector

≥30%

Large trade volume 0% — mostly retail

≥60%

Aggressive execution 31% — patient

≥30

Conviction +38 (bullish) — moderate

Liquidity

Can I trade efficiently?

2.4
IlliquidLiquid

Evaluates

, volume depth, and open interest for trade execution quality.

Risk Checks1/8 checks passed
≤5.0%

Spread 35.1% — wide

≥10,000

OI 13,464 — adequate

≥500

Volume 65/day — thin

≤$0.50

$1.75 to cross — expensive

≥5 strikes

0 liquid strikes — limited options

Sector Relative≤40%

Sector spread percentile 71% — wider than sector

≥100 contracts

Depth 27.5 contracts (bid:10.5 ask:17.0) — thin

<1.0%

Avg slippage 12.04% — poor

Timing

Is now a good time?

7.3
RiskyFavorable

Considers earnings proximity,

, and event calendar for optimal entry timing.

Risk Checks6/9 checks passed
|slope| ≥5%

Slope -23.6% — contango

<30 or >70

IV percentile 41% — neutral

≥10pts kink

IV kink -5.7pts — no clear event

<0.5 or >2.0

θ/ν ratio 634.08 — favors income trades

≥3 expirations

4 liquid expirations — flexible

≥60% (safe)

safe window: No earnings detected

<1.2 ratio

Spread ratio 1.00x — stable

≥25% strength + ≥50% consistency

Flow +38% @ 69% consistency — moderate (bullish)

≥40 composite score

Score 30 (ITM 20% + inst 0%) — retail dominated

Directional Strategy Fit

Option Buyers
Long Calls6.3
bullishIV cheap, bullish flow
Long Puts4.3
bearishIV cheap, bullish flow
Premium Sellers
Cash-Secured Put5.5
bullishIV too cheap, bullish flow
Covered Call3.5
bearishIV too cheap, bullish flow

For educational purposes only. Not investment advice.