Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.36
ING's Cash to Debt is ranked higher than
73% of the 185 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.49 vs. ING: 0.36 )
ING' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.36

Equity to Asset 0.05
ING's Equity to Asset is ranked higher than
69% of the 179 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. ING: 0.05 )
ING' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.08
Current: 0.05

0.02
0.08
Interest Coverage 0.15
ING's Interest Coverage is ranked higher than
67% of the 169 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.86 vs. ING: 0.15 )
ING' s 10-Year Interest Coverage Range
Min: 0.06   Max: 5.23
Current: 0.15

0.06
5.23
F-Score: 4
Z-Score: 0.09
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 30.91
ING's Operating margin (%) is ranked higher than
97% of the 185 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.00 vs. ING: 30.91 )
ING' s 10-Year Operating margin (%) Range
Min: -8.3   Max: 24.16
Current: 30.91

-8.3
24.16
Net-margin (%) 15.42
ING's Net-margin (%) is ranked higher than
95% of the 185 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.13 vs. ING: 15.42 )
ING' s 10-Year Net-margin (%) Range
Min: -5.58   Max: 20.72
Current: 15.42

-5.58
20.72
ROE (%) 11.45
ING's ROE (%) is ranked higher than
89% of the 185 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.71 vs. ING: 11.45 )
ING' s 10-Year ROE (%) Range
Min: -11.2   Max: 38.2
Current: 11.45

-11.2
38.2
ROA (%) 0.53
ING's ROA (%) is ranked higher than
74% of the 185 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.85 vs. ING: 0.53 )
ING' s 10-Year ROA (%) Range
Min: -0.26   Max: 2.1
Current: 0.53

-0.26
2.1
ROC (Joel Greenblatt) (%) 463.87
ING's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 164 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 204.78 vs. ING: 463.87 )
ING' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -82.2   Max: 604.34
Current: 463.87

-82.2
604.34
Revenue Growth (3Y)(%) -15.20
ING's Revenue Growth (3Y)(%) is ranked higher than
74% of the 167 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.60 vs. ING: -15.20 )
ING' s 10-Year Revenue Growth (3Y)(%) Range
Min: -30.4   Max: 24.6
Current: -15.2

-30.4
24.6
EBITDA Growth (3Y)(%) 11.40
ING's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.90 vs. ING: 11.40 )
ING' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.8   Max: 60.5
Current: 11.4

-39.8
60.5
EPS Growth (3Y)(%) 35.70
ING's EPS Growth (3Y)(%) is ranked higher than
94% of the 143 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.50 vs. ING: 35.70 )
ING' s 10-Year EPS Growth (3Y)(%) Range
Min: -54.7   Max: 74.7
Current: 35.7

-54.7
74.7
» ING's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

ING Guru Trades in Q4 2013

Ken Fisher 32,500 sh (unchged)
David Dreman 389,611 sh (-29.06%)
» More
Q1 2014

ING Guru Trades in Q1 2014

Steven Cohen 21,826 sh (New)
NWQ Managers 360,797 sh (New)
David Dreman 435,613 sh (+11.81%)
Ken Fisher 32,500 sh (unchged)
» More
Q2 2014

ING Guru Trades in Q2 2014

Ken Fisher 32,662 sh (+0.5%)
NWQ Managers 360,072 sh (-0.2%)
David Dreman 417,993 sh (-4.04%)
» More
Q3 2014

ING Guru Trades in Q3 2014

Ken Fisher 32,662 sh (unchged)
NWQ Managers 357,075 sh (-0.83%)
David Dreman 413,558 sh (-1.06%)
» More
» Details

Insider Trades

Latest Guru Trades with ING

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
NWQ Managers 2014-03-31 New Buy0.05%$12.88 - $14.92 $ 13.42-5%360797
David Dreman 2013-12-31 Reduce -29.06%0.16%$11.46 - $13.91 $ 13.425%389611
David Dreman 2013-09-30 Reduce -24.41%0.06%$9.04 - $12.37 $ 13.4224%549189
David Dreman 2013-03-31 Add 21.91%0.02%$7.21 - $10.45 $ 13.4250%646813
Charles Brandes 2013-03-31 Sold Out 0.0016%$7.21 - $10.45 $ 13.4250%0
Charles Brandes 2012-12-31 New Buy$8.12 - $9.54 $ 13.4251%14903
David Dreman 2012-06-30 Add 42.81%0.02%$5.63 - $8.16 $ 13.42105%528063
Jean-Marie Eveillard 2012-03-31 Sold Out $6.91 - $9.84 $ 13.4263%0
Ken Fisher 2012-03-31 Add 37.4%$6.91 - $9.84 $ 13.4263%26087
David Dreman 2011-09-30 Add 37.03%0.02%$6.09 - $12.4 $ 13.4250%412716
Ken Fisher 2011-09-30 Add 41.81%$6.09 - $12.4 $ 13.4250%19372
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of ING Groep N.V.

SymbolPriceYieldDescription
IDG25.983.55
ISP25.503.10
ISF25.311.57

Ratios

vs
industry
vs
history
P/E(ttm) 22.70
ING's P/E(ttm) is ranked higher than
74% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.80 vs. ING: 22.70 )
ING' s 10-Year P/E(ttm) Range
Min: 1.21   Max: 33.17
Current: 22.7

1.21
33.17
P/B 0.88
ING's P/B is ranked higher than
90% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.03 vs. ING: 0.88 )
ING' s 10-Year P/B Range
Min: 0.13   Max: 1.7
Current: 0.88

0.13
1.7
P/S 1.52
ING's P/S is ranked higher than
79% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.61 vs. ING: 1.52 )
ING' s 10-Year P/S Range
Min: 0.06   Max: 1.52
Current: 1.52

0.06
1.52
EV-to-EBIT 13.60
ING's EV-to-EBIT is ranked higher than
79% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.48 vs. ING: 13.60 )
ING' s 10-Year EV-to-EBIT Range
Min: -71   Max: 1581.3
Current: 13.6

-71
1581.3
Shiller P/E 32.98
ING's Shiller P/E is ranked higher than
85% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 25.25 vs. ING: 32.98 )
ING' s 10-Year Shiller P/E Range
Min: 0.66   Max: 43.24
Current: 32.98

0.66
43.24

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.91
ING's Price/Tangible Book is ranked higher than
93% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.66 vs. ING: 0.91 )
ING' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 2.06
Current: 0.91

0.29
2.06
Price/DCF (Projected) 1.74
ING's Price/DCF (Projected) is ranked higher than
83% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 vs. ING: 1.74 )
ING' s 10-Year Price/DCF (Projected) Range
Min: 0.02   Max: 11.48
Current: 1.74

0.02
11.48
Price/Median PS Value 2.00
ING's Price/Median PS Value is ranked higher than
73% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.20 vs. ING: 2.00 )
ING' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 2.5
Current: 2

0.17
2.5
Price/Graham Number 0.57
ING's Price/Graham Number is ranked higher than
96% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.06 vs. ING: 0.57 )
ING' s 10-Year Price/Graham Number Range
Min: 0.33   Max: 1.01
Current: 0.57

0.33
1.01
Earnings Yield (Greenblatt) 7.40
ING's Earnings Yield (Greenblatt) is ranked higher than
77% of the 178 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.70 vs. ING: 7.40 )
ING' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 7812.1
Current: 7.4

0.1
7812.1
Forward Rate of Return (Yacktman) 103.93
ING's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 20.84 vs. ING: 103.93 )
ING' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -45.7   Max: 393.3
Current: 103.93

-45.7
393.3

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, ZFSVF, AIZ » details
Traded in other countries:INGS.Belgium, 0LNN.UK, INGA.Italy, INGA.Netherlands, INNA.Germany, INN.Germany, INO.Switzerland,
ING Groep N.V., is incorporated on 4 March 1991 under the laws of the Netherlands. The Company is a global financial institution of Dutch origin, currently offering banking, investments, life insurance and retirement services to meet the needs of a broad customer base. Its segments include banking and insurance. Banking segment includes retail Netherlands, retail Belgium, ING direct, retail central Europe (CE), retail Asia, commercial banking, ING real estate and corporate line banking. Insurance segment includes insurance Benelux, insurance central and rest of Europe (CRE), insurance United States (US), Insurance US closed block VA, insurance Asia/Pacific, ING investment management and corporate line insurance. The retail banking business focuses on retail banking services to individuals, and to small- and medium-sized businesses and on private banking. These businesses are supported by a multi-product, multi-channel distribution approach. ING Direct is a direct banking business, which is an important part of ING Group's international retail strategy. The Company's life insurance products in Europe consist of a range of traditional, unit-linked and variable annuity policies for both individual and group customers & non-life products, mainly in the Netherlands, include coverage for both individual and commercial/group clients for fire, automobile, disability, transport and aviation insurance, third party liability insurance and indirect premiums. ING Insurance Americas operates in three main geographic areas: Canada, the United States, and Latin America. ING Americas offers life and non-life insurance, retirement services, annuities, mutual funds, broker-dealer services and institutional products, including group reinsurance and institutional asset management products and services. ING Insurance Asia/Pacific (IAP) is a provider of life insurance and wealth management products and services. The business units in Asia/Pacific offer select types of life insurance, wealth management, and retail and institutional asset management products and services. These include annuities, endowment, disability/morbidity insurance, unit linked/ universal life, whole life, participating life, group life, accident and health, term life and employee benefits. In Hong Kong non-life insurance products (including medical, motor, fire, marine, personal accident and general liability) are also offered. Company's wholesale banking focuses on the Netherlands, Belgium, Poland and Romania, where it offers a full range of products, from cash management to corporate finance. Elsewhere, it takes a more selective approach to clients and products. Wholesale Banking has six business units: General Lending & Payments and Cash Management (PCM), Structured Finance, Leasing & Factoring, Financial Markets, Other Wholesale Products, and ING Real Estate. The Company is subject to detailed banking, insurance, asset management and other financial services laws and governmen
» More Articles for ING

Headlines

Articles On GuruFocus.com
Update on my submission for monthly Gurufocus value idea contest - ING Group (ING-NYSE) Sep 15 2012 
Finding value in a European Banking Storm May 22 2012 
Top Low-P/E Stocks I Like from Eveillard's Portfolio Jan 11 2012 
Weekly Guru Bargain Highlights: Quanta Services Inc, World Fuel Services Corp, Palm Inc, American In Feb 20 2010 
ING Group’s Quarter and Divestiture Plans Disappoint Feb 18 2010 
Bought Abbott despite health care reform. Sold ING despite the rally in financials. Jul 28 2009 
Bigjo note on ING Apr 14 2009 
Guru Stocks at 52-Week Low: American International Group Inc, ING GROEP N.V, Agilent Technologies In Feb 19 2008 

More From Other Websites
Alcentra Capital Increases Revolver to $115 million Dec 22 2014
Alcentra Capital Increases Revolver to $115 million Dec 22 2014
ING DiBa AG -- Moody's affirms A2 long-term ratings of ING Bank, ING Belgium and ING DiBa Dec 18 2014
Russia's ruble not out of danger yet Dec 17 2014
#SMING14 Dutch study: Use of social media stagnating. Use of news sites declining Dec 17 2014
#SMING14 study: Use of social media stagnating. Use of news sites declining Dec 17 2014
Morgan Stanley Sees Key Opportunities In European Banks Dec 10 2014
Belgians go biometric! Dec 05 2014
Brits top spenders on gifts this Christmas Nov 27 2014
ING to Cut 1,700 Jobs Nov 25 2014
ING Cuts Shouldn't Dent Appeal Nov 25 2014
Market Cheers Kotak's ING Buy: Well Priced Deal Builds Scale Nov 21 2014
Kotak to Buy ING Vysya Bank in $2.4 Billion Stock Deal Nov 20 2014
ING Vysya Bank to merge with Kotak Mahindra Bank Nov 20 2014
J.P. Morgan’s 5 Top International Stock Picks Nov 19 2014
Voya Financial Hits 52-Week High Post ING Stake Sale Nov 19 2014
ING sells 34.5 million Voya shares for total proceeds of USD 1.4 billion Nov 13 2014
[$$] Dutch Bank ING to Cut Stake in Former U.S. Unit Nov 12 2014
European Banks Sued for Indirect Funding of Terror Attacks Nov 12 2014
ING to sell 34.5 million shares in Voya Financial Nov 12 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK