ING GROEP N.V.-SPONSORED ADR(NYSE:ING) stock Fundamental Analysis

Fundamental Rating

Overall ING gets a fundamental rating of 3 out of 10. We evaluated ING against 402 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 it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year ING was profitable.

ING had positive earnings in each of the past 5 years.

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 0.97%, ING is in the better half of the industry, outperforming 64.85% of the companies in the same industry.

ING has a Return On Equity of 19.58%. This is amongst the best in the industry. ING outperforms 97.03% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.97%
ROE	19.58%
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 (28.25%) than 78.71% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	28.25%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y5.74%

PM growth 5Y2.19%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ING does not have a ROIC to compare to the WACC, probably because it is not profitable.

ING has less shares outstanding than it did 1 year ago.

The number of shares outstanding for ING has been reduced compared to 5 years ago.

The debt/assets ratio for ING is higher compared to a year ago.

2.2 Solvency

ING has a Debt/Equity ratio of 3.18. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 3.18, ING is not doing good in the industry: 94.55% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	3.18
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC15.07%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ING shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.10%.

The Earnings Per Share has been growing by 9.88% on average over the past years. This is quite good.

The Revenue has decreased by -1.78% in the past year.

The Revenue has been growing slightly by 3.70% on average over the past years.

EPS 1Y (TTM)-3.1%

EPS 3Y17.64%

EPS 5Y9.88%

EPS Q2Q%-16.35%

Revenue 1Y (TTM)-1.78%

Revenue growth 3Y4.22%

Revenue growth 5Y3.7%

Sales Q2Q%2.95%

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 1.97% on average per year.

Based on estimates for the next years, ING will show a small growth in Revenue. The Revenue will grow by 1.12% on average per year.

EPS Next Y2.98%

EPS Next 2Y8.64%

EPS Next 3Y10.28%

EPS Next 5Y1.97%

Revenue Next Year-0.92%

Revenue Next 2Y1.89%

Revenue Next 3Y2.85%

Revenue Next 5Y1.12%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

ING is valuated reasonably with a Price/Earnings ratio of 9.30.

84.65% of the companies in the same industry are more expensive than ING, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 29.35, ING is valued rather cheaply.

The Price/Forward Earnings ratio is 9.02, which indicates a very decent valuation of ING.

Based on the Price/Forward Earnings ratio, ING is valued cheaply inside the industry as 80.20% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of ING to the average of the S&P500 Index (22.10), we can say ING is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.3
Fwd PE	9.02

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)3.12

PEG (5Y)0.94

EPS Next 2Y8.64%

EPS Next 3Y10.28%

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5. Dividend

5.1 Amount

ING has a Yearly Dividend Yield of 5.65%, which is a nice return.

Compared to an average industry Dividend Yield of 3.37, ING pays a better dividend. On top of this ING pays more dividend than 92.33% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.33, ING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.65%

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.

ING has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)5.21%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

The dividend of ING is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y8.64%

EPS Next 3Y10.28%

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ING GROEP N.V.-SPONSORED ADR

NYSE:ING (3/7/2025, 8:04:00 PM)

After market: 20.6 -0.14 (-0.68%)

20.74

+0.74 (+3.7%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-06 2025-02-06/bmo

Earnings (Next)05-02 2025-05-02/bmo

Inst Owners49.1%

Inst Owner Change-1.75%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap63.33B

Analysts71.11

Price Target19.24 (-7.23%)

Short Float %0.1%

Short Ratio1.13

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.65%

Yearly Dividend0.96

Dividend Growth(5Y)5.21%

DP0%

Div Incr Years3

Div Non Decr Years3

Ex-Date01-13 2025-01-13 (0.165128)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.87%

Min EPS beat(2)-7.94%

Max EPS beat(2)9.69%

EPS beat(4)3

Avg EPS beat(4)4.19%

Min EPS beat(4)-7.94%

Max EPS beat(4)9.69%

EPS beat(8)7

Avg EPS beat(8)9.77%

EPS beat(12)9

Avg EPS beat(12)7.68%

EPS beat(16)12

Avg EPS beat(16)8.79%

Revenue beat(2)2

Avg Revenue beat(2)0.79%

Min Revenue beat(2)0.17%

Max Revenue beat(2)1.41%

Revenue beat(4)4

Avg Revenue beat(4)0.97%

Min Revenue beat(4)0.17%

Max Revenue beat(4)2%

Revenue beat(8)6

Avg Revenue beat(8)0.51%

Revenue beat(12)8

Avg Revenue beat(12)18.34%

Revenue beat(16)12

Avg Revenue beat(16)16.18%

PT rev (1m)-1.4%

PT rev (3m)-1.48%

EPS NQ rev (1m)-0.46%

EPS NQ rev (3m)-0.28%

EPS NY rev (1m)0.34%

EPS NY rev (3m)-0.35%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.11%

Revenue NY rev (1m)-0.09%

Revenue NY rev (3m)-0.52%

Valuation

		Industry Rank	Sector Rank
PE	9.3
Fwd PE	9.02
P/S	1.67
P/FCF	N/A
P/OCF	N/A
P/B	1.16
P/tB	1.19
EV/EBITDA	N/A

EPS(TTM)2.23

EY10.75%

EPS(NY)2.3

Fwd EY11.08%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS12.4

BVpS17.89

TBVpS17.41

PEG (NY)3.12

PEG (5Y)0.94

Profitability

		Industry Rank	Sector Rank
ROA	0.97%
ROE	19.58%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.25%
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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y5.74%

PM growth 5Y2.19%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.18
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
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-ScoreN/A

WACC15.07%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-3.1%

EPS 3Y17.64%

EPS 5Y9.88%

EPS Q2Q%-16.35%

EPS Next Y2.98%

EPS Next 2Y8.64%

EPS Next 3Y10.28%

EPS Next 5Y1.97%

Revenue 1Y (TTM)-1.78%

Revenue growth 3Y4.22%

Revenue growth 5Y3.7%

Sales Q2Q%2.95%

Revenue Next Year-0.92%

Revenue Next 2Y1.89%

Revenue Next 3Y2.85%

Revenue Next 5Y1.12%

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 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

ING GROEP N.V.-SPONSORED ADR (ING) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens