Voya Financial Inc 2024年度报告

FORM10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year endedDecember 31, 2024 OR☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period fromto Commission File Number:001-35897 Voya Financial, Inc. Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.☒Yes☐No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.☐Yes☒No Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control overfinancial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.☒Yes☐No Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2)has been subject to such filing requirements for the past 90days.☒Yes☐No Indicate by check mark whether the registranthas submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of Regulation S-T(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).☒Yes☐No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerginggrowth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule12b-2 of theExchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new orrevised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect thecorrection of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of theregistrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act).☐Yes☒No As of February14, 2025, there were95,526,278shares of the registrant's common stock outstanding. Voya Financial, Inc.Form 10-K for the period ended December31, 2024Table of Contents PART I. Item 1.Business4Item 1A.Risk Factors24Item 1B.Unresolved Staff Comments41Item 1C.Cybersecurity42Item 2.Properties43Item 3.Legal Proceedings43Item 4.Mine Safety Disclosures43 PART II. Item 5.Item 6.Item 7.Item 7A.Item 8.Item 9.Item 9A.Item 9B. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of EquitySecurities43Reserved44Management’s Discussion and Analysis of Financial Condition and Results of Operations44Quantitative and Qualitative Disclosures About Market Risk88Financial Statements and Supplementary Data93Changes in and Disagreements with Accountants on Accounting and Financial Disclosure205Controls and Procedures205Other Information207 PART III. Item 10.Directors, Executive Officers and Corporate Governance207Item 11.Executive Compensation207Item 12.Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters207Item 13.Certain Relationships and Related Transactions, and Director Independence207Item 14.Principal Accounting Fees and Services208 PART IV. Exhibits, Financial Statement Schedules Signatures214 NOTE CONCERNING FORWARD-LOOKING STATEMENTS This Annual Report on Form 10-K, including "Business," "Risk Factors," and "Management's Discussion and Analysis of FinancialCondition and Results of Operations," contains forward-looking statements within the meaning of the Private Securities LitigationReform Act of 1995. Forward-looking statements include statements relating to future developments in our business or expectationsfor our future financial performance and any statement not involving a historical fact. Forward-looking statements use words such as"anticipate," "believe," "estimate," "expect," "intend," "plan," and other words and terms of similar meaning in connection with adiscussion of future operating or financial performance. Actual results, performance or events may differ materially from thoseprojected in any forward-looking statement due to, among other things, (i) glo