ING GROEP N.V.-SPONSORED ADR (ING) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ING - US4568371037 - ADR
25.91 USD
+0.35 (+1.37%)
26 USD
+0.09 (+0.35%)
ING gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. ING has a bad profitability rating. Also its financial health evaluation is rather negative. ING has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally ING also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ING was profitable.
In the past year ING has reported a negative cash flow from operations.
Each year in the past 5 years ING has been profitable.
ING had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.87%, ING is in line with its industry, outperforming 48.58% of the companies in the same industry.
Looking at the Return On Equity, with a value of 19.34%, ING belongs to the top of the industry, outperforming 97.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 19.34% | ||
| ROIC | N/A |
ROA(3y)0.58%
ROA(5y)0.5%
ROE(3y)11.43%
ROE(5y)9.54%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ING has a better Profit Margin (26.45%) than 63.57% of its industry peers.
ING's Profit Margin has improved in the last couple of years.
ING does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.45% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.36%
PM growth 5Y1.88%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ING does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ING has been reduced compared to 1 year ago.
Compared to 5 years ago, ING has less shares outstanding
Compared to 1 year ago, ING has a worse debt to assets ratio.
2.2 Solvency
ING has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 3.41, ING is doing worse than 93.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ING shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.94%.
The Earnings Per Share has been growing by 10.03% on average over the past years. This is quite good.
ING shows a small growth in Revenue. In the last year, the Revenue has grown by 0.93%.
ING shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.03% yearly.
EPS 1Y (TTM)-1.94%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%1.69%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
3.2 Future
Based on estimates for the next years, ING will show a small growth in Earnings Per Share. The EPS will grow by 6.94% on average per year.
Based on estimates for the next years, ING will show a small growth in Revenue. The Revenue will grow by 3.47% on average per year.
EPS Next Y1.78%
EPS Next 2Y8.07%
EPS Next 3Y10.03%
EPS Next 5Y6.94%
Revenue Next Year-0.4%
Revenue Next 2Y2.82%
Revenue Next 3Y3.75%
Revenue Next 5Y3.47%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.89, the valuation of ING can be described as very reasonable.
Based on the Price/Earnings ratio, ING is valued a bit cheaper than 64.60% of the companies in the same industry.
ING's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
A Price/Forward Earnings ratio of 9.41 indicates a reasonable valuation of ING.
Based on the Price/Forward Earnings ratio, ING is valued a bit cheaper than the industry average as 63.31% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of ING to the average of the S&P500 Index (36.12), we can say ING is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 9.41 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ING does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.13
PEG (5Y)1.09
EPS Next 2Y8.07%
EPS Next 3Y10.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.92%, ING is a good candidate for dividend investing.
ING's Dividend Yield is rather good when compared to the industry average which is at 3.33. ING pays more dividend than 88.63% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, ING pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
5.2 History
The dividend of ING is nicely growing with an annual growth rate of 12.43%!
ING has paid a dividend for at least 10 years, which is a reliable track record.
ING has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)12.43%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
42.45% of the earnings are spent on dividend by ING. This is a bit on the high side, but may be sustainable.
The dividend of ING is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.45%
EPS Next 2Y8.07%
EPS Next 3Y10.03%
25.91
+0.35 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners49.52%
Inst Owner Change-1.13%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap75.42B
Revenue(TTM)35.90B
Net Income(TTM)9.50B
Analysts78.46
Price Target27.25 (5.17%)
Short Float %0.08%
Short Ratio1.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
Yearly Dividend1.41
Dividend Growth(5Y)12.43%
DP42.45%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.28%
Min EPS beat(2)-0.07%
Max EPS beat(2)6.63%
EPS beat(4)2
Avg EPS beat(4)2.91%
Min EPS beat(4)-4.62%
Max EPS beat(4)9.69%
EPS beat(8)6
Avg EPS beat(8)3.78%
EPS beat(12)8
Avg EPS beat(12)5.41%
EPS beat(16)11
Avg EPS beat(16)5.9%
Revenue beat(2)0
Avg Revenue beat(2)-1.07%
Min Revenue beat(2)-1.31%
Max Revenue beat(2)-0.83%
Revenue beat(4)1
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-2.65%
Max Revenue beat(4)1.41%
Revenue beat(8)3
Avg Revenue beat(8)-0.71%
Revenue beat(12)6
Avg Revenue beat(12)8.2%
Revenue beat(16)9
Avg Revenue beat(16)20.92%
PT rev (1m)3.53%
PT rev (3m)5.68%
EPS NQ rev (1m)12.35%
EPS NQ rev (3m)30.34%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)1.45%
Revenue NQ rev (1m)2.16%
Revenue NQ rev (3m)2.14%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 9.41 | ||
| P/S | 1.81 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.33 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.38
EY9.19%
EPS(NY)2.75
Fwd EY10.62%
FCF(TTM)-7.28
FCFYN/A
OCF(TTM)-7.16
OCFYN/A
SpS14.29
BVpS19.55
TBVpS18.99
PEG (NY)6.13
PEG (5Y)1.09
Graham Number32.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 19.34% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.45% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.58%
ROA(5y)0.5%
ROE(3y)11.43%
ROE(5y)9.54%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.36%
PM growth 5Y1.88%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 42.26% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score2
WACC15.81%
ROIC/WACCN/A
Cap/Depr(3y)39.44%
Cap/Depr(5y)35%
Cap/Sales(3y)1.18%
Cap/Sales(5y)1.19%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1.94%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%1.69%
EPS Next Y1.78%
EPS Next 2Y8.07%
EPS Next 3Y10.03%
EPS Next 5Y6.94%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
Revenue Next Year-0.4%
Revenue Next 2Y2.82%
Revenue Next 3Y3.75%
Revenue Next 5Y3.47%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.79%
OCF growth 3YN/A
OCF growth 5YN/A
ING GROEP N.V.-SPONSORED ADR / ING FAQ
What is the fundamental rating for ING stock?
ChartMill assigns a fundamental rating of 3 / 10 to ING.
What is the valuation status of ING GROEP N.V.-SPONSORED ADR (ING) stock?
ChartMill assigns a valuation rating of 4 / 10 to ING GROEP N.V.-SPONSORED ADR (ING). This can be considered as Fairly Valued.
Can you provide the profitability details for ING GROEP N.V.-SPONSORED ADR?
ING GROEP N.V.-SPONSORED ADR (ING) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for ING stock?
The Earnings per Share (EPS) of ING GROEP N.V.-SPONSORED ADR (ING) is expected to grow by 1.78% in the next year.
How sustainable is the dividend of ING GROEP N.V.-SPONSORED ADR (ING) stock?
The dividend rating of ING GROEP N.V.-SPONSORED ADR (ING) is 7 / 10 and the dividend payout ratio is 42.45%.