ING GROEP N.V.-SPONSORED ADR (ING) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ING - US4568371037 - ADR
28.63 USD
-0.09 (-0.31%)
28.59 USD
-0.04 (-0.14%)
ING gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. ING may be in some trouble as it scores bad on both profitability and health. ING has a valuation in line with the averages, but it does not seem to be growing. 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
- ING has a Return On Assets (0.87%) which is in line with its industry peers.
- ING has a better Return On Equity (19.34%) than 97.91% of its industry peers.
| 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's Profit Margin of 26.45% is fine compared to the rest of the industry. ING outperforms 62.66% of its industry peers.
- ING's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for ING so they could not be analyzed.
| 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.
- Compared to 1 year ago, ING has less shares outstanding
- ING has less shares outstanding than it did 5 years ago.
- ING has a worse debt/assets ratio than last year.
2.2 Solvency
- A Debt/Equity ratio of 3.41 is on the high side and indicates that ING has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 3.41, ING is doing worse than 92.95% 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
WACC15.61%
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%.
- Measured over the past years, ING shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.03% on average per year.
- Looking at the last year, ING shows a small growth in Revenue. The Revenue has grown by 0.93% in the last year.
- The Revenue has been growing slightly by 4.03% on average over the past years.
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
- ING is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.63% yearly.
- The Revenue is expected to grow by 3.18% on average over the next years.
EPS Next Y1.81%
EPS Next 2Y8.36%
EPS Next 3Y10.38%
EPS Next 5Y6.63%
Revenue Next Year-0.13%
Revenue Next 2Y3.03%
Revenue Next 3Y3.99%
Revenue Next 5Y3.18%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.88, the valuation of ING can be described as very reasonable.
- Based on the Price/Earnings ratio, ING is valued a bit cheaper than the industry average as 63.19% of the companies are valued more expensively.
- ING is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 10.23, which indicates a very decent valuation of ING.
- ING's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ING is cheaper than 62.40% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of ING to the average of the S&P500 Index (24.26), we can say ING is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.88 | ||
| Fwd PE | 10.23 |
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 an expensive valuation of the company.
PEG (NY)6.57
PEG (5Y)1.18
EPS Next 2Y8.36%
EPS Next 3Y10.38%
5. Dividend
5.1 Amount
- ING has a Yearly Dividend Yield of 5.02%, which is a nice return.
- ING's Dividend Yield is rather good when compared to the industry average which is at 2.65. ING pays more dividend than 87.21% of the companies in the same industry.
- ING's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.02% |
5.2 History
- The dividend of ING is nicely growing with an annual growth rate of 12.43%!
- ING has been paying a dividend for at least 10 years, so it has 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
- ING pays out 42.45% of its income as dividend. This is a bit on the high side, but may be sustainable.
- ING's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.45%
EPS Next 2Y8.36%
EPS Next 3Y10.38%
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.
Can you provide the valuation status for ING GROEP N.V.-SPONSORED ADR?
ChartMill assigns a valuation rating of 4 / 10 to ING GROEP N.V.-SPONSORED ADR (ING). This can be considered as Fairly Valued.
How profitable is ING GROEP N.V.-SPONSORED ADR (ING) stock?
ING GROEP N.V.-SPONSORED ADR (ING) has a profitability rating of 3 / 10.
What is the financial health of ING GROEP N.V.-SPONSORED ADR (ING) stock?
The financial health rating of ING GROEP N.V.-SPONSORED ADR (ING) is 1 / 10.
Can you provide the dividend sustainability for ING stock?
The dividend rating of ING GROEP N.V.-SPONSORED ADR (ING) is 7 / 10 and the dividend payout ratio is 42.45%.