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Also traded in: Argentina, Belgium, Germany, Italy, Mexico, Netherlands, Switzerland, UK, USA

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 3.28
ISF's Cash-to-Debt is ranked higher than
58% of the 1366 Companies
in the Global Banks - Global industry.

( Industry Median: 1.88 vs. ISF: 3.28 )
Ranked among companies with meaningful Cash-to-Debt only.
ISF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.43 Max: N/A
Current: 3.28
Equity-to-Asset 0.06
ISF's Equity-to-Asset is ranked lower than
84% of the 1372 Companies
in the Global Banks - Global industry.

( Industry Median: 0.10 vs. ISF: 0.06 )
Ranked among companies with meaningful Equity-to-Asset only.
ISF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.04 Max: 0.08
Current: 0.06
0.02
0.08
Interest Coverage 0.20
ISF's Interest Coverage is ranked lower than
93% of the 1606 Companies
in the Global Banks - Global industry.

( Industry Median: 1.67 vs. ISF: 0.20 )
Ranked among companies with meaningful Interest Coverage only.
ISF' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.13 Max: 0.22
Current: 0.2
0.06
0.22
Piotroski F-Score: 4
Beneish M-Score: -2.61
WACC vs ROIC
15.64%
7.89%
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 : 5/10

vs
industry
vs
history
Operating Margin % 37.66
ISF's Operating Margin % is ranked higher than
68% of the 1383 Companies
in the Global Banks - Global industry.

( Industry Median: 30.69 vs. ISF: 37.66 )
Ranked among companies with meaningful Operating Margin % only.
ISF' s Operating Margin % Range Over the Past 10 Years
Min: -8.3  Med: 15.15 Max: 40.73
Current: 37.66
-8.3
40.73
Net Margin % 29.34
ISF's Net Margin % is ranked higher than
72% of the 1381 Companies
in the Global Banks - Global industry.

( Industry Median: 22.17 vs. ISF: 29.34 )
Ranked among companies with meaningful Net Margin % only.
ISF' s Net Margin % Range Over the Past 10 Years
Min: -5.58  Med: 11.35 Max: 28.6
Current: 29.34
-5.58
28.6
ROE % 10.35
ISF's ROE % is ranked higher than
67% of the 1380 Companies
in the Global Banks - Global industry.

( Industry Median: 8.35 vs. ISF: 10.35 )
Ranked among companies with meaningful ROE % only.
ISF' s ROE % Range Over the Past 10 Years
Min: -11.2  Med: 7.96 Max: 24.43
Current: 10.35
-11.2
24.43
ROA % 0.55
ISF's ROA % is ranked lower than
70% of the 1387 Companies
in the Global Banks - Global industry.

( Industry Median: 0.87 vs. ISF: 0.55 )
Ranked among companies with meaningful ROA % only.
ISF' s ROA % Range Over the Past 10 Years
Min: -0.26  Med: 0.35 Max: 0.73
Current: 0.55
-0.26
0.73
3-Year Revenue Growth Rate 5.30
ISF's 3-Year Revenue Growth Rate is ranked higher than
58% of the 1247 Companies
in the Global Banks - Global industry.

( Industry Median: 3.90 vs. ISF: 5.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ISF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -31  Med: -5.55 Max: 24.6
Current: 5.3
-31
24.6
3-Year EBITDA Growth Rate 23.40
ISF's 3-Year EBITDA Growth Rate is ranked higher than
85% of the 1158 Companies
in the Global Banks - Global industry.

( Industry Median: 5.00 vs. ISF: 23.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ISF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -39.7  Med: 10.55 Max: 60.3
Current: 23.4
-39.7
60.3
3-Year EPS without NRI Growth Rate 43.20
ISF's 3-Year EPS without NRI Growth Rate is ranked higher than
93% of the 1132 Companies
in the Global Banks - Global industry.

( Industry Median: 7.20 vs. ISF: 43.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ISF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -54.7  Med: 14.5 Max: 74.8
Current: 43.2
-54.7
74.8
GuruFocus has detected 2 Warning Signs with ING Groep NV $ISF.
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» ISF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Preferred stocks of ING Groep NV

SymbolPriceYieldDescription
ISG25.700.006 1/8 % Perpetual Debt Secs 2005-Without Fixed Maturity
IDG25.450.007.375% ING Perpetual Hybrid Capital Securities
ISP25.670.006.2 % Perpetual Debt Secs 2003
INZ26.090.007.2 % Perpetual Debt Securities 2002-Without fixed maturity Global
IND26.370.007.05 % Perpetual Debt Secs 2002-Without Fixed Maturity
ISF25.886.16Preferred Shares

Business Description

Industry: Banks » Banks - Global    NAICS: 522110    SIC: 6029
Compare:NYSE:NTB, OTCPK:NBGGY, OTCPK:AOZOY, NAS:EWBC, OTCPK:JBAXY, OTCPK:NTIOF, OTCPK:MLYBY, OTCPK:FANDY, OTCPK:SVNLY, OTCPK:SCBFF, OTCPK:CSGKF, NYSE:CM, NYSE:RBS, NYSE:BBVA, NYSE:RY/PT, OTCPK:BCLYF, NYSE:BMO, NYSE:SMFG, OTCPK:BCMXY, NYSE:UBS » details
Traded in other countries:ING.Argentina, INGS.Belgium, INN1.Germany, INGA.Italy, INGN.Mexico, INGA.Netherlands, INGAT.Switzerland, 0RIC.UK, INGVF.USA,
ING Groep NV offers banking services. Its segments include Retail Banking (Retail Netherlands, Retail Belgium, Retail Germany and Retail Rest of World) and Commercial Banking.

ING Groep NV 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 insurance, asset management and other financial services laws and government regulations in the jurisdictions in which it conducts business.

Ratios

vs
industry
vs
history
PE Ratio 10.10
ISF's PE Ratio is ranked higher than
73% of the 1316 Companies
in the Global Banks - Global industry.

( Industry Median: 14.29 vs. ISF: 10.10 )
Ranked among companies with meaningful PE Ratio only.
ISF' s PE Ratio Range Over the Past 10 Years
Min: 1.55  Med: 7.51 Max: 541.5
Current: 10.1
1.55
541.5
Forward PE Ratio 20.62
ISF's Forward PE Ratio is ranked lower than
87% of the 388 Companies
in the Global Banks - Global industry.

( Industry Median: 16.18 vs. ISF: 20.62 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 11.04
ISF's PE Ratio without NRI is ranked higher than
68% of the 1296 Companies
in the Global Banks - Global industry.

( Industry Median: 14.49 vs. ISF: 11.04 )
Ranked among companies with meaningful PE Ratio without NRI only.
ISF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.55  Med: 7.48 Max: 94.75
Current: 11.04
1.55
94.75
Price-to-Owner-Earnings 9.83
ISF's Price-to-Owner-Earnings is ranked higher than
70% of the 826 Companies
in the Global Banks - Global industry.

( Industry Median: 15.11 vs. ISF: 9.83 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ISF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.65  Med: 11.33 Max: 3148.75
Current: 9.83
0.65
3148.75
PB Ratio 1.03
ISF's PB Ratio is ranked higher than
60% of the 1391 Companies
in the Global Banks - Global industry.

( Industry Median: 1.17 vs. ISF: 1.03 )
Ranked among companies with meaningful PB Ratio only.
ISF' s PB Ratio Range Over the Past 10 Years
Min: 0.13  Med: 0.87 Max: 1.7
Current: 1.03
0.13
1.7
PS Ratio 4.07
ISF's PS Ratio is ranked lower than
65% of the 1383 Companies
in the Global Banks - Global industry.

( Industry Median: 3.34 vs. ISF: 4.07 )
Ranked among companies with meaningful PS Ratio only.
ISF' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.73 Max: 4.34
Current: 4.07
0.08
4.34
Price-to-Operating-Cash-Flow 2.64
ISF's Price-to-Operating-Cash-Flow is ranked higher than
81% of the 824 Companies
in the Global Banks - Global industry.

( Industry Median: 12.79 vs. ISF: 2.64 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ISF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.51  Med: 3.19 Max: 64.17
Current: 2.64
0.51
64.17
EV-to-EBIT 2.87
ISF's EV-to-EBIT is ranked higher than
89% of the 1066 Companies
in the Global Banks - Global industry.

( Industry Median: 12.64 vs. ISF: 2.87 )
Ranked among companies with meaningful EV-to-EBIT only.
ISF' s EV-to-EBIT Range Over the Past 10 Years
Min: -54.3  Med: 5.6 Max: 303.7
Current: 2.87
-54.3
303.7
EV-to-EBITDA 2.63
ISF's EV-to-EBITDA is ranked higher than
89% of the 1072 Companies
in the Global Banks - Global industry.

( Industry Median: 11.46 vs. ISF: 2.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
ISF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -87  Med: 5.05 Max: 216.9
Current: 2.63
-87
216.9
PEG Ratio 3.98
ISF's PEG Ratio is ranked lower than
80% of the 731 Companies
in the Global Banks - Global industry.

( Industry Median: 1.55 vs. ISF: 3.98 )
Ranked among companies with meaningful PEG Ratio only.
ISF' s PEG Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.7 Max: 1.98
Current: 3.98
0.17
1.98
Shiller PE Ratio 9.40
ISF's Shiller PE Ratio is ranked higher than
88% of the 490 Companies
in the Global Banks - Global industry.

( Industry Median: 21.81 vs. ISF: 9.40 )
Ranked among companies with meaningful Shiller PE Ratio only.
ISF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.63  Med: 4.2 Max: 10.01
Current: 9.4
0.63
10.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 6.16
ISF's Dividend Yield % is ranked higher than
87% of the 2324 Companies
in the Global Banks - Global industry.

( Industry Median: 2.67 vs. ISF: 6.16 )
Ranked among companies with meaningful Dividend Yield % only.
ISF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.76  Med: 4.61 Max: 53.02
Current: 6.16
0.76
53.02
Forward Dividend Yield % 6.16
ISF's Forward Dividend Yield % is ranked higher than
90% of the 2258 Companies
in the Global Banks - Global industry.

( Industry Median: 2.84 vs. ISF: 6.16 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.15
ISF's 5-Year Yield-on-Cost % is ranked higher than
80% of the 2647 Companies
in the Global Banks - Global industry.

( Industry Median: 3.35 vs. ISF: 6.15 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ISF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.5  Med: 4.61 Max: 29
Current: 6.15
1.5
29
3-Year Average Share Buyback Ratio -0.30
ISF's 3-Year Average Share Buyback Ratio is ranked higher than
68% of the 977 Companies
in the Global Banks - Global industry.

( Industry Median: -1.70 vs. ISF: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ISF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -22.9  Med: -1.2 Max: 2.2
Current: -0.3
-22.9
2.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.06
ISF's Price-to-Tangible-Book is ranked higher than
61% of the 1384 Companies
in the Global Banks - Global industry.

( Industry Median: 1.25 vs. ISF: 1.06 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ISF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.29  Med: 1.13 Max: 2.06
Current: 1.06
0.29
2.06
Price-to-Intrinsic-Value-Projected-FCF 1.29
ISF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
80% of the 869 Companies
in the Global Banks - Global industry.

( Industry Median: 0.83 vs. ISF: 1.29 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ISF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.11  Med: 0.38 Max: 37.34
Current: 1.29
0.11
37.34
Price-to-Median-PS-Value 5.63
ISF's Price-to-Median-PS-Value is ranked lower than
99% of the 1288 Companies
in the Global Banks - Global industry.

( Industry Median: 1.19 vs. ISF: 5.63 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ISF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.17  Med: 0.81 Max: 4.87
Current: 5.63
0.17
4.87
Price-to-Peter-Lynch-Fair-Value 1.86
ISF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
69% of the 420 Companies
in the Global Banks - Global industry.

( Industry Median: 1.15 vs. ISF: 1.86 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ISF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.21  Med: 0.64 Max: 2.52
Current: 1.86
0.21
2.52
Price-to-Graham-Number 0.72
ISF's Price-to-Graham-Number is ranked higher than
67% of the 1224 Companies
in the Global Banks - Global industry.

( Industry Median: 0.94 vs. ISF: 0.72 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ISF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.27  Med: 0.59 Max: 1.49
Current: 0.72
0.27
1.49
Earnings Yield (Greenblatt) % 34.80
ISF's Earnings Yield (Greenblatt) % is ranked higher than
92% of the 1405 Companies
in the Global Banks - Global industry.

( Industry Median: 5.60 vs. ISF: 34.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ISF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 9.6 Max: 3965.1
Current: 34.8
0.3
3965.1
Forward Rate of Return (Yacktman) % 8.79
ISF's Forward Rate of Return (Yacktman) % is ranked lower than
57% of the 881 Companies
in the Global Banks - Global industry.

( Industry Median: 11.03 vs. ISF: 8.79 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ISF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -45.7  Med: 12.25 Max: 360.5
Current: 8.79
-45.7
360.5

More Statistics

Beta0.09
Short Percentage of Float0.01%
52-Week Range $24.79 - 26.79
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