ING GROEP NV (INGA.AS)

NL0011821202 - Common Stock

14.694  +0.02 (+0.16%)

Fundamental Rating

3

Taking everything into account, INGA scores 3 out of 10 in our fundamental rating. INGA was compared to 92 industry peers in the Banks industry. INGA has a medium profitability rating, but doesn't score so well on its financial health evaluation. INGA has a correct valuation and a medium growth rate. Finally INGA also has an excellent dividend rating.



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4

1. Profitability

1.1 Basic Checks

INGA had positive earnings in the past year.
INGA had a negative operating cash flow in the past year.
Each year in the past 5 years INGA has been profitable.
The reported operating cash flow has been mixed in the past 5 years: INGA reported negative operating cash flow in multiple years.

1.2 Ratios

With a decent Return On Assets value of 1.11%, INGA is doing good in the industry, outperforming 76.14% of the companies in the same industry.
With an excellent Return On Equity value of 21.19%, INGA belongs to the best of the industry, outperforming 94.32% 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

Looking at the Profit Margin, with a value of 30.59%, INGA is in the better half of the industry, outperforming 78.41% of the companies in the same industry.
INGA's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for INGA so they could not be analyzed.
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

INGA does not have a ROIC to compare to the WACC, probably because it is not profitable.
INGA has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, INGA has less shares outstanding
Compared to 1 year ago, INGA 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 INGA has dependencies on debt financing.
INGA has a Debt to Equity ratio (1.77) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.5%

2.3 Liquidity

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

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4

3. Growth

3.1 Past

INGA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 108.55%, which is quite impressive.
INGA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.08% yearly.
INGA shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.10%.
Measured over the past years, INGA shows a small growth in Revenue. The Revenue has been growing by 4.19% on average per year.
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

INGA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.76% yearly.
Based on estimates for the next years, INGA will show a decrease in Revenue. The Revenue will decrease by -0.48% on average per year.
EPS Next Y-8.41%
EPS Next 2Y-0.43%
EPS Next 3Y3.03%
EPS Next 5Y0.76%
Revenue Next Year-3.67%
Revenue Next 2Y-1.45%
Revenue Next 3Y-0.52%
Revenue Next 5Y-0.48%

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.

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.17 indicates a rather cheap valuation of INGA.
63.64% of the companies in the same industry are more expensive than INGA, based on the Price/Earnings ratio.
INGA is valuated cheaply when we compare the Price/Earnings ratio to 25.25, which is the current average of the S&P500 Index.
INGA is valuated cheaply with a Price/Forward Earnings ratio of 7.83.
Compared to the rest of the industry, the Price/Forward Earnings ratio of INGA is on the same level as its industry peers.
INGA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.67.
Industry RankSector Rank
PE 7.17
Fwd PE 7.83

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)0.89
EPS Next 2Y-0.43%
EPS Next 3Y3.03%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.29%, INGA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.95, INGA pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, INGA pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.29%

5.2 History

The dividend of INGA has a limited annual growth rate of 5.21%.
Dividend Growth(5Y)5.21%
Div Incr Years3
Div Non Decr Years3

5.3 Sustainability

INGA pays out 27.29% of its income as dividend. This is a sustainable payout ratio.
The dividend of INGA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP27.29%
EPS Next 2Y-0.43%
EPS Next 3Y3.03%

More info and screens

ING GROEP NV

AMS:INGA (4/25/2024, 5:35:30 PM)

14.694

+0.02 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap48.48B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 7.29%
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 7.17
Fwd PE 7.83
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)0.89
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