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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 0.34
ISF's Cash to Debt is ranked higher than
58% of the 1748 Companies
in the Global Banks - Global industry.

( Industry Median: 1.86 vs. ISF: 0.34 )
ISF' s 10-Year Cash to Debt Range
Min: 0.01   Max: 8.64
Current: 0.34

0.01
8.64
Equity to Asset 0.05
ISF's Equity to Asset is ranked lower than
51% of the 2312 Companies
in the Global Banks - Global industry.

( Industry Median: 0.09 vs. ISF: 0.05 )
ISF' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.07
Current: 0.05

0.02
0.07
Interest Coverage 0.07
ISF's Interest Coverage is ranked lower than
54% of the 2185 Companies
in the Global Banks - Global industry.

( Industry Median: 1.17 vs. ISF: 0.07 )
ISF' s 10-Year Interest Coverage Range
Min: 0.06   Max: 5.23
Current: 0.07

0.06
5.23
F-Score: 3
Z-Score: 0.07
WACC vs ROIC
17.10%
4.37%
WACC
ROIC
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 (%) 28.66
ISF's Operating margin (%) is ranked higher than
72% of the 2426 Companies
in the Global Banks - Global industry.

( Industry Median: 30.22 vs. ISF: 28.66 )
ISF' s 10-Year Operating margin (%) Range
Min: -8.3   Max: 24.16
Current: 28.66

-8.3
24.16
Net-margin (%) 5.86
ISF's Net-margin (%) is ranked higher than
51% of the 2426 Companies
in the Global Banks - Global industry.

( Industry Median: 22.12 vs. ISF: 5.86 )
ISF' s 10-Year Net-margin (%) Range
Min: -5.58   Max: 20.72
Current: 5.86

-5.58
20.72
ROE (%) 2.96
ISF's ROE (%) is ranked higher than
54% of the 2426 Companies
in the Global Banks - Global industry.

( Industry Median: 8.98 vs. ISF: 2.96 )
ISF' s 10-Year ROE (%) Range
Min: -11.2   Max: 38.2
Current: 2.96

-11.2
38.2
ROA (%) 0.14
ISF's ROA (%) is ranked higher than
51% of the 2433 Companies
in the Global Banks - Global industry.

( Industry Median: 0.80 vs. ISF: 0.14 )
ISF' s 10-Year ROA (%) Range
Min: -0.26   Max: 2.1
Current: 0.14

-0.26
2.1
ROC (Joel Greenblatt) (%) 298.50
ISF's ROC (Joel Greenblatt) (%) is ranked higher than
92% of the 2392 Companies
in the Global Banks - Global industry.

( Industry Median: 89.92 vs. ISF: 298.50 )
ISF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -82.2   Max: 604.34
Current: 298.5

-82.2
604.34
Revenue Growth (3Y)(%) -33.40
ISF's Revenue Growth (3Y)(%) is ranked lower than
51% of the 2094 Companies
in the Global Banks - Global industry.

( Industry Median: 2.20 vs. ISF: -33.40 )
ISF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -33.4   Max: 24.6
Current: -33.4

-33.4
24.6
EBITDA Growth (3Y)(%) -21.80
ISF's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 1872 Companies
in the Global Banks - Global industry.

( Industry Median: 7.10 vs. ISF: -21.80 )
ISF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -36.5   Max: 60.5
Current: -21.8

-36.5
60.5
EPS Growth (3Y)(%) -12.40
ISF's EPS Growth (3Y)(%) is ranked higher than
55% of the 1904 Companies
in the Global Banks - Global industry.

( Industry Median: 9.20 vs. ISF: -12.40 )
ISF' s 10-Year EPS Growth (3Y)(%) Range
Min: -54.7   Max: 74.7
Current: -12.4

-54.7
74.7
» ISF's 10-Y Financials

Financials


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

» Details

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of ING Groep N.V.

SymbolPriceYieldDescription
IDG25.745.37
ISP25.553.10
ISF25.673.10

Ratios

vs
industry
vs
history
Forward P/E 14.22
ISF's Forward P/E is ranked higher than
76% of the 3227 Companies
in the Global Banks - Global industry.

( Industry Median: 0.00 vs. ISF: 14.22 )
N/A
P/B 1.20
ISF's P/B is ranked higher than
72% of the 3227 Companies
in the Global Banks - Global industry.

( Industry Median: 1.40 vs. ISF: 1.20 )
ISF' s 10-Year P/B Range
Min: 0.13   Max: 1.7
Current: 1.2

0.13
1.7
P/S 2.40
ISF's P/S is ranked higher than
79% of the 3227 Companies
in the Global Banks - Global industry.

( Industry Median: 3.73 vs. ISF: 2.40 )
ISF' s 10-Year P/S Range
Min: 0.06   Max: 2.4
Current: 2.4

0.06
2.4
PFCF 4.80
ISF's PFCF is ranked higher than
90% of the 3227 Companies
in the Global Banks - Global industry.

( Industry Median: 0.00 vs. ISF: 4.80 )
ISF' s 10-Year PFCF Range
Min: 0.4   Max: 22.93
Current: 4.8

0.4
22.93
POCF 4.65
ISF's POCF is ranked higher than
91% of the 3227 Companies
in the Global Banks - Global industry.

( Industry Median: 194.36 vs. ISF: 4.65 )
ISF' s 10-Year POCF Range
Min: 0.35   Max: 17.83
Current: 4.65

0.35
17.83
EV-to-EBIT 23.30
ISF's EV-to-EBIT is ranked higher than
68% of the 3227 Companies
in the Global Banks - Global industry.

( Industry Median: 20.17 vs. ISF: 23.30 )
ISF' s 10-Year EV-to-EBIT Range
Min: -662.5   Max: 389.3
Current: 23.3

-662.5
389.3
Shiller P/E 27.00
ISF's Shiller P/E is ranked higher than
78% of the 3226 Companies
in the Global Banks - Global industry.

( Industry Median: 0.00 vs. ISF: 27.00 )
ISF' s 10-Year Shiller P/E Range
Min: 0.66   Max: 41.58
Current: 27

0.66
41.58
Days Sales Outstanding 110.66
ISF's Days Sales Outstanding is ranked higher than
81% of the 3227 Companies
in the Global Banks - Global industry.

( Industry Median: 0.00 vs. ISF: 110.66 )
ISF' s 10-Year Days Sales Outstanding Range
Min: 89.04   Max: 175.77
Current: 110.66

89.04
175.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.10
ISF's Dividend Yield is ranked lower than
85% of the 2288 Companies
in the Global Banks - Global industry.

( Industry Median: 2.49 vs. ISF: 3.10 )
ISF' s 10-Year Dividend Yield Range
Min: 3.41   Max: 53.02
Current: 3.1

3.41
53.02
Yield on cost (5-Year) 3.10
ISF's Yield on cost (5-Year) is ranked lower than
84% of the 2296 Companies
in the Global Banks - Global industry.

( Industry Median: 2.82 vs. ISF: 3.10 )
ISF' s 10-Year Yield on cost (5-Year) Range
Min: 3.41   Max: 53.02
Current: 3.1

3.41
53.02
Share Buyback Rate -0.60
ISF's Share Buyback Rate is ranked higher than
79% of the 1722 Companies
in the Global Banks - Global industry.

( Industry Median: -1.70 vs. ISF: -0.60 )
ISF' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -20.7
Current: -0.6

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 4.30
ISF's Earnings Yield (Greenblatt) is ranked higher than
60% of the 2417 Companies
in the Global Banks - Global industry.

( Industry Median: 6.50 vs. ISF: 4.30 )
ISF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 28772.1
Current: 4.3

0.3
28772.1
Forward Rate of Return (Yacktman) 67.21
ISF's Forward Rate of Return (Yacktman) is ranked higher than
95% of the 1444 Companies
in the Global Banks - Global industry.

( Industry Median: 14.67 vs. ISF: 67.21 )
ISF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -45.7   Max: 393.3
Current: 67.21

-45.7
393.3

Business Description

Industry: Banks » Banks - Global
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, INGVF.USA,
ING Groep N.V. was established as a Naamloze Vennootschap (a Dutch public limited liability company) on 4 March 1991, through the merger of Nationale-Nederlanden and NMB Postbank Group. The Company offers banking, investments and retirement services. Its segments comprise of Retail Netherlands, Retail Belgium, Retail Germany, Retail rest of the World, and Commercial Banking. Retail Banking segment provides banking services to individuals and small and medium-sized enterprises in Europe, Asia and Australia. Its geographical reach consists of Netherlands, Belgium, Luxembourg, Germany, Australia and Poland, and other markets include Spain, France, Austria, Italy, Romania, Turkey and India. Retail Netherlands segment offers current and savings accounts, business lending, mortgages and other consumer lending in the Netherlands. Retail Belgium segment offers current and savings accounts, business lending, mortgages and other consumer lending in Belgium. Retail Germany segment offers current and savings accounts, mortgages and other customer lending. Retail Rest of World segment offers current and savings accounts, business lending, mortgages and other consumer lending. Commercial Banking segment offers wholesale banking activities ranging from cash management to corporate finance, real estate and lease. The Company is subject to detailed banking, insurance, asset management and other financial services laws and government regulation in the jurisdictions in which it conducts business.
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