ING GROEP N.V.-SPONSORED ADR (ING)

US4568371037 - ADR

17.18  +0.13 (+0.76%)

Premarket: 17.22 +0.04 (+0.23%)

Fundamental Rating

4

Taking everything into account, ING scores 4 out of 10 in our fundamental rating. ING was compared to 412 industry peers in the Banks industry. There are concerns on the financial health of ING while its profitability can be described as average. ING is not valued too expensively and it also shows a decent growth rate. ING also has an excellent dividend rating.



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4

1. Profitability

1.1 Basic Checks

In the past year ING was profitable.
ING had a negative operating cash flow in the past year.
In the past 5 years ING has always been profitable.
In multiple years ING reported negative operating cash flow during the last 5 years.

1.2 Ratios

ING has a Return On Assets of 1.11%. This is in the better half of the industry: ING outperforms 71.84% of its industry peers.
Looking at the Return On Equity, with a value of 21.19%, ING belongs to the top of the industry, outperforming 97.82% of the companies in the same industry.
Industry RankSector Rank
ROA 1.11%
ROE 21.19%
ROIC N/A
ROA(3y)0.54%
ROA(5y)0.49%
ROE(3y)10.15%
ROE(5y)8.78%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin of ING (30.59%) is better than 77.91% of its industry peers.
In the last couple of years the Profit Margin of ING has grown nicely.
ING does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 30.59%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y32.57%
PM growth 5Y4.76%
GM growth 3YN/A
GM growth 5YN/A

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1

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
The number of shares outstanding for ING has been reduced compared to 5 years ago.
Compared to 1 year ago, ING has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 1.77 is on the high side and indicates that ING has dependencies on debt financing.
With a Debt to Equity ratio value of 1.77, ING is not doing good in the industry: 89.81% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.3%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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4

3. Growth

3.1 Past

ING shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 108.55%, which is quite impressive.
The Earnings Per Share has been growing by 8.08% on average over the past years. This is quite good.
Looking at the last year, ING shows a very strong growth in Revenue. The Revenue has grown by 22.10%.
ING shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.19% yearly.
EPS 1Y (TTM)108.55%
EPS 3Y48.19%
EPS 5Y8.08%
EPS growth Q2Q50%
Revenue 1Y (TTM)22.1%
Revenue growth 3Y7.97%
Revenue growth 5Y4.19%
Revenue growth Q2Q20.16%

3.2 Future

The Earnings Per Share is expected to decrease by -0.59% on average over the next years.
Based on estimates for the next years, ING will show a decrease in Revenue. The Revenue will decrease by -1.07% on average per year.
EPS Next Y-8.41%
EPS Next 2Y-0.43%
EPS Next 3Y3.03%
EPS Next 5Y-0.59%
Revenue Next Year-3.67%
Revenue Next 2Y-1.45%
Revenue Next 3Y-0.52%
Revenue Next 5Y-1.07%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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5

4. Valuation

4.1 Price/Earnings Ratio

ING is valuated cheaply with a Price/Earnings ratio of 7.34.
Based on the Price/Earnings ratio, ING is valued cheaply inside the industry as 85.19% of the companies are valued more expensively.
ING is valuated cheaply when we compare the Price/Earnings ratio to 27.73, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.00, the valuation of ING can be described as very reasonable.
Based on the Price/Forward Earnings ratio, ING is valued cheaply inside the industry as 81.07% of the companies are valued more expensively.
ING is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.41, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.34
Fwd PE 8

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.91
EPS Next 2Y-0.43%
EPS Next 3Y3.03%

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7

5. Dividend

5.1 Amount

ING has a Yearly Dividend Yield of 6.96%, which is a nice return.
ING's Dividend Yield is rather good when compared to the industry average which is at 3.76. ING pays more dividend than 96.12% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, ING pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.96%

5.2 History

The dividend of ING has a limited annual growth rate of 5.21%.
ING has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.21%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

27.29% of the earnings are spent on dividend by ING. This is a low number and sustainable payout ratio.
DP27.29%
EPS Next 2Y-0.43%
EPS Next 3Y3.03%

More info and screens

ING GROEP N.V.-SPONSORED ADR

NYSE:ING (5/3/2024, 7:04:00 PM)

Premarket: 17.22 +0.04 (+0.23%)

17.18

+0.13 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap56.68B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 6.96%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 7.34
Fwd PE 8
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.91
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 21.19%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 30.59%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)108.55%
EPS 3Y48.19%
EPS 5Y
EPS growth Q2Q
EPS Next Y-8.41%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)22.1%
Revenue growth 3Y7.97%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y