10 Year Financial Data of ING Groep N.V. (ING)

9.2 (1y: +55%)

Market Cap	33.37 B	P/E(ttm)	9.20
Enterprise Value	62.61 B	P/B	0.53

ING- NYSE (USA)
ING Groep N.V.

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies

$9.20

3 Severe Warning Signs 1 Medium Warning Sign

Bookmark

Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-12.4	-21	-8.4
EBITDA Growth (%)	0	0	255.5
Free Cash Flow Growth (%)	0	0	0
Book Value Growth (%)	-1.2	-1.2	13.9

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

Trendline:

Export:

Print This Table Print

See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Sep11	Mar12	Jun12	Sep12	Mar13

Revenue per Share ($)	43.17	40.64	39.58	43.28	44.94	41.07	22.44	17.90	18.23	14.00	16.92	5.10	3.87	6.80	2.71	3.54
EBITDA per Share	4.13	5.13	5.74	6.61	7.40	--	-0.23	1.88	2.11	1.29	8.68	0.55	0.37	7.62	0.30	0.39
Free Cashflow per Share	38.22	45.89	19.04	5.73	6.97	8.06	-13.85	-2.20	2.94	-3.27	-3.70	--	--	-3.70	--	--
Earnings per Share ($)	2.57	3.60	4.24	4.52	5.50	-0.46	-0.96	0.79	1.09	0.88	1.23	0.58	0.24	0.19	0.21	0.60
Dividends Per Share	1.23	1.29	1.46	1.52	1.78	2.00	--	--	--	--	--	--	--	--	--	--
Book Value per Share	14.68	16.37	21.67	22.62	22.17	17.19	17.20	14.51	15.38	17.48	18.35	16.10	16.94	11.61	15.09	18.35
Month End Stock Price	23.41	30.25	34.82	44.17	38.91	11.10	9.81	9.79	7.17	9.49	7.21	7.05	8.32	6.68	7.89	7.21
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Sep11	Mar12	Jun12	Sep12	Mar13

Return on Equity %	17.50	22.00	19.60	20.00	24.80	-2.70	-3.90	6.40	10.40	6.30	7.20	10.80	5.60	6.40	5.60	7.20
Return on Assets %	0.50	0.70	0.60	0.60	0.70	-0.10	-0.10	0.20	0.40	0.30	0.40	0.40	0.40	0.40	0.40	0.40
Return on Capital - Joel Greenblatt %	--	--	41.90	--	--	-2.90	--	--	--	--	--	--	--	--	--	--
Debt to Equity	6.01	4.68	3.95	2.96	2.72	5.05	4.56	4.18	0.20	3.26	0.42	3.62	3.76	3.81	3.54	0.42

Operating Margin %	8.60	11.90	12.70	13.50	14.60	-2.30	-4.60	7.30	8.80	7.30	11.10	10.80	9.60	111	11.20	11.10
Net Margin %	5.90	8.90	10.70	10.40	12.20	-1.10	-3.00	5.20	8.80	7.90	9.10	8.50	6.10	2.80	7.60	9.10

Debt to Revenue	2.05	1.88	2.16	1.55	1.34	2.11	3.50	3.39	0.16	4.08	2.16	11.45	16.48	6.51	19.69	2.16
Interest Exp. to Revenue %	10.36	11.62	11.54	12.49	10.43	15.41	26.27	23.42	23.98	27.87	26.88	21.10	25.15	10.11	31.04	26.88

Asset Turnover	0.09	0.08	0.06	0.06	0.06	0.05	0.04	0.04	0.04	0.04	0.01	0.01	0.01	0.02	0.01	0.01
Dividend Payout Ratio	0.37	0.28	0.27	0.26	0.25	--	--	--	--	--	--	--	--	--	--	--
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Sep11	Mar12	Jun12	Sep12	Mar13

Net Interest Income	9,012	10,032	10,373	11,785	10,111	12,933	15,865	16,065	16,565	14,817	14,841	4,071	3,726	3,717	3,779	3,619
Non Interest Income	77,975	76,295	79,521	82,601	86,816	71,000	44,531	52,524	52,517	38,340	62,377	15,221	11,086	33,047	8,396	9,847
Revenue	86,987	86,327	89,894	94,386	96,928	83,933	60,396	68,590	69,082	53,156	77,218	19,291	14,812	36,764	12,176	13,467

Selling, General, &Admin. Expense	10,238	10,799	10,780	11,304	10,608	11,262	9,408	9,963	52,106	8,722	14,772	14,812	11,060	-6,977	8,459	2,229
Credit Losses Provision	1,439	596	140	132	161	1,645	3,812	2,245	2,141	2,724	2,690	562	565	694	712	719
Other Expenses	66,989	64,033	65,945	68,543	70,203	71,019	47,792	49,196	6,833	36,817	14,285	1,838	1,764	1,858	1,640	9,023
Earnings Before DDA	8,321	10,900	13,029	14,407	15,955	6.45	-615	7,186	8,001	4,894	45,472	2,079	1,422	41,190	1,365	1,495

Depreciation, Depletion and Amortization	800	639	1,637	1,664	1,774	1,917	2,181	2,209	1,941	996	492	--	--	492	--	--

Operating Income	7,521	10,260	11,393	12,743	14,181	-1,911	-2,796	4,977	6,060	3,897	44,979	2,079	1,422	40,697	1,365	1,495
Net Income	5,174	7,645	9,627	9,862	11,866	-937	-1,824	3,560	6,077	4,178	4,062	1,647	904	1,012	922	1,224

Earnings per Share ($)	2.57	3.60	4.24	4.52	5.50	-0.46	-0.96	0.79	1.09	0.88	1.23	0.58	0.24	0.19	0.21	0.60
Total Shares Outstanding	2,015	2,124	2,271	2,181	2,157	2,044	2,692	3,832	3,789	3,796	3,804	3,784	3,832	5,404	4,494	3,804
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Sep11	Mar12	Jun12	Sep12	Mar13

Cash and cash equivalents	93,168	84,690	16,761	69,479	78,690	28,330	75,368	83,205	98,099	72,705	77,023	102,788	124,395	81,508	93,788	77,023
Net Loan	292,045	317,231	438,847	474,437	553,835	621,261	575,275	608,938	596,877	556,900	726,236	765,491	776,964	774,458	734,453	726,236
Securities & Investments	478,541	444,228	616,962	588,511	623,883	538,029	555,987	623,605	615,550	536,601	329,585	275,505	617,963	263,228	577,906	329,585
Accounts Receivable	23,435	21,645	27,214	32,608	42,176	42,342	--	--	--	--	6,751	--	--	--	--	6,751
Deferred Policy Acquisition Costs	12,491	13,259	12,303	13,029	13,730	15,220	--	--	13,082	--	--	12,997	12,890	5,987	5,941	--
Property, Plant and Equipment	1,678	1,604	7,375	7,732	8,009	8,219	7,845	7,862	3,700	3,428	3,447	5,918	5,491	3,521	3,447	3,447
Intangible Assets	--	--	4,689	4,515	7,370	8,886	7,719	6,887	4,562	3,383	3,450	4,779	4,551	3,755	3,471	3,450
Other Assets	107,815	240,295	372,459	394,905	371,394	464,241	264,949	262,893	314,008	316,890	367,251	489,487	62,596	451,891	187,058	367,251
Total Assets	996,682	1,109,694	1,484,307	1,572,187	1,685,357	1,711,310	1,487,144	1,593,390	1,632,795	1,489,908	1,513,744	1,643,969	1,591,960	1,578,360	1,600,123	1,513,744

Total Deposits	390,921	467,809	596,613	636,769	674,415	671,824	601,933	655,592	599,419	583,337	603,391	587,974	608,376	606,303	570,455	603,391
Accounts Payable	11,312	11,203	18,352	17,734	22,200	32,128	107,994	93,400	92,606	49,621	47,981	111,286	88,868	75,479	65,855	47,981
Current Portion of Long-Term Debt	11,352	12,840	41,317	37,999	34,745	94,551	--	--	--	--	--	13,903	11,137	11,653	11,459	--
Long-Term Debt	166,556	149,769	153,229	107,880	95,432	82,750	211,160	232,368	11,356	216,596	29,100	206,921	232,942	227,546	228,232	29,100
Other liabilities	386,959	433,291	625,569	722,471	810,760	794,930	519,747	556,427	871,141	573,994	763,479	662,953	585,745	594,628	656,331	763,479
Total Liabilities	967,100	1,074,913	1,435,080	1,522,853	1,637,552	1,676,183	1,440,835	1,537,787	1,574,523	1,423,547	1,443,951	1,583,036	1,527,068	1,515,609	1,532,332	1,443,951

Common Stock	--	--	--	679	686	636	--	--	--	--	--	--	--	--	--	--
Preferred Stock	2,282	1,644	379	276	27.26	--	--	--	--	--	--	--	--	--	--	--
Retained Earnings	28,181	33,826	47,062	--	--	--	--	--	--	--	--	--	--	--	--	--
Additional Paid-In Capital	--	--	--	10,703	11,222	11,800	20,556	48,014	3,846	2,885	--	--	--	21,735	--	--
Total Equity	29,582	34,781	49,227	49,334	47,805	35,127	46,309	55,603	58,272	66,360	69,792	60,933	64,892	62,751	67,791	69,792
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Sep11	Mar12	Jun12	Sep12	Mar13

Net Income	7,522	10,260	9,627	12,744	14,180	-1,911	--	--	--	--	--	--	--	--	--	--
Depreciation, Depletion and Amortization	800	639	1,637	1,664	1,774	1,917	2,181	2,209	1,941	996	492	--	--	492	--	--
Cash Flow from Others	68,696	86,570	31,970	-1,908	-921	16,472	-37,309	-8,331	9,837	-12,868	-20,501	--	--	-20,501	--	--
Cash Flow from Operations	77,018	97,469	43,234	12,500	15,034	16,479	-35,128	-6,122	11,778	-11,872	-20,009	--	--	-20,009	--	--

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-2,146	-2,322	-640	-542	--	--	--	--	--	--
Cash Flow from Acquisitions	--	--	--	--	--	--	3,527	2,338	5,103	-8,295	--	--	--	--	--	--
Cash Flow from Investing	-83,903	-94,294	-64,446	-40,154	-17,891	-12,855	4,153	-4,294	8,338	738	-13,614	--	--	-13,614	--	--

Net Issuance of Stock	1,203	760	145	-1,338	-2,829	10,682	9,350	-56.41	52.56	-778	--	--	--	--	--	--
Net Issuance of Debt	1,229	2,315	12,254	26,622	-9,745	52,201	16,141	9,851	-5,092	-876	18,588	--	--	18,588	--	--
Cash Flow for Dividends	-1,186	-1,130	-3,152	-3,482	-3,902	-4,121	-1,321	--	--	--	--	--	--	--	--	--
Other Financing	-1.02	-0.95	119	-231	0.00	0.00	-6,410	0.00	-3,846	-481	168	--	--	168	--	--
Cash Flow from Financing	1,245	1,944	9,366	21,571	-16,476	58,762	17,760	9,795	-8,886	-2,135	18,756	--	--	18,756	--	--

Net Change in Cash	-5,640	5,119	-11,843	-6,084	-19,333	62,386	-13,215	-621	11,231	-13,268	-14,867	--	--	-14,867	--	--

Free Cash Flow	77,018	97,469	43,234	12,500	15,034	16,479	-37,274	-8,444	11,138	-12,414	-20,009	--	--	-20,009	--	--
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Sep11	Mar12	Jun12	Sep12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Sep11	Mar12	Jun12	Sep12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

Switch to Another Stock:

GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names

Home About Jobs Advertise Site Map Term of Use Privacy Policy RSS Email Alerts Affiliate Program FAQ Contact Us
Disclaimers: GuruFocus.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The gurus may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes provided by InterActive Data. Fundamental company data provided by Morningstar, updated daily.

FocusBar

Home

Premium Membership

Value Screens

Model Portfolios

Guru Stocks

Market Valuation

By Country

Articles

Submit Articles