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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 lower than
76% of the 970 Companies
in the Global Banks - Global industry.

( Industry Median: 1.49 vs. ISF: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
ISF' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.37 Max: 8.64
Current: 0.34
0.01
8.64
Equity to Asset 0.05
ISF's Equity to Asset is ranked lower than
90% of the 1323 Companies
in the Global Banks - Global industry.

( Industry Median: 0.10 vs. ISF: 0.05 )
Ranked among companies with meaningful Equity to Asset only.
ISF' s 10-Year Equity to Asset Range
Min: 0.02  Med: 0.03 Max: 0.07
Current: 0.05
0.02
0.07
Interest Coverage 0.07
ISF's Interest Coverage is ranked lower than
98% of the 1239 Companies
in the Global Banks - Global industry.

( Industry Median: 1.65 vs. ISF: 0.07 )
Ranked among companies with meaningful Interest Coverage only.
ISF' s 10-Year Interest Coverage Range
Min: 0.06  Med: 0.24 Max: 5.23
Current: 0.07
0.06
5.23
F-Score: 2
WACC vs ROIC
16.64%
4.38%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 28.66
ISF's Operating margin (%) is ranked lower than
53% of the 1388 Companies
in the Global Banks - Global industry.

( Industry Median: 29.90 vs. ISF: 28.66 )
Ranked among companies with meaningful Operating margin (%) only.
ISF' s 10-Year Operating margin (%) Range
Min: -8.3  Med: 11.51 Max: 26.79
Current: 28.66
-8.3
26.79
Net-margin (%) 5.86
ISF's Net-margin (%) is ranked lower than
88% of the 1388 Companies
in the Global Banks - Global industry.

( Industry Median: 21.60 vs. ISF: 5.86 )
Ranked among companies with meaningful Net-margin (%) only.
ISF' s 10-Year Net-margin (%) Range
Min: -5.58  Med: 7.78 Max: 26.88
Current: 5.86
-5.58
26.88
ROE (%) 0.46
ISF's ROE (%) is ranked lower than
90% of the 1390 Companies
in the Global Banks - Global industry.

( Industry Median: 8.16 vs. ISF: 0.46 )
Ranked among companies with meaningful ROE (%) only.
ISF' s 10-Year ROE (%) Range
Min: -11.2  Med: 15.41 Max: 38.2
Current: 0.46
-11.2
38.2
ROA (%) 0.14
ISF's ROA (%) is ranked lower than
89% of the 1399 Companies
in the Global Banks - Global industry.

( Industry Median: 0.84 vs. ISF: 0.14 )
Ranked among companies with meaningful ROA (%) only.
ISF' s 10-Year ROA (%) Range
Min: -0.26  Med: 0.63 Max: 2.1
Current: 0.14
-0.26
2.1
ROC (Joel Greenblatt) (%) 298.50
ISF's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 1381 Companies
in the Global Banks - Global industry.

( Industry Median: 76.24 vs. ISF: 298.50 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ISF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -82.2  Med: 112.57 Max: 604.34
Current: 298.5
-82.2
604.34
Revenue Growth (3Y)(%) -21.00
ISF's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1174 Companies
in the Global Banks - Global industry.

( Industry Median: 2.00 vs. ISF: -21.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ISF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -30.4  Med: -6.00 Max: 24.6
Current: -21
-30.4
24.6
EBITDA Growth (3Y)(%) -23.10
ISF's EBITDA Growth (3Y)(%) is ranked lower than
91% of the 1035 Companies
in the Global Banks - Global industry.

( Industry Median: 7.40 vs. ISF: -23.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ISF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.8  Med: 5.30 Max: 60.5
Current: -23.1
-39.8
60.5
EPS Growth (3Y)(%) -12.40
ISF's EPS Growth (3Y)(%) is ranked lower than
85% of the 1042 Companies
in the Global Banks - Global industry.

( Industry Median: 9.40 vs. ISF: -12.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ISF' s 10-Year EPS Growth (3Y)(%) Range
Min: -54.7  Med: 12.60 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

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Preferred stocks of ING Groep N.V.

SymbolPriceYieldDescription
IDG25.457.24
ISP25.613.10
ISF25.563.11

Ratios

vs
industry
vs
history
P/E(ttm) 263.70
ISF's P/E(ttm) is ranked lower than
99% of the 1251 Companies
in the Global Banks - Global industry.

( Industry Median: 13.80 vs. ISF: 263.70 )
Ranked among companies with meaningful P/E(ttm) only.
ISF' s 10-Year P/E(ttm) Range
Min: 1.21  Med: 7.91 Max: 267.97
Current: 263.7
1.21
267.97
Forward P/E 15.24
ISF's Forward P/E is ranked lower than
78% of the 710 Companies
in the Global Banks - Global industry.

( Industry Median: 12.17 vs. ISF: 15.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 36.20
ISF's PE(NRI) is ranked lower than
91% of the 1248 Companies
in the Global Banks - Global industry.

( Industry Median: 13.80 vs. ISF: 36.20 )
Ranked among companies with meaningful PE(NRI) only.
ISF' s 10-Year PE(NRI) Range
Min: 1.21  Med: 7.87 Max: 216.2
Current: 36.2
1.21
216.2
P/B 1.29
ISF's P/B is ranked lower than
65% of the 1349 Companies
in the Global Banks - Global industry.

( Industry Median: 1.10 vs. ISF: 1.29 )
Ranked among companies with meaningful P/B only.
ISF' s 10-Year P/B Range
Min: 0.13  Med: 0.89 Max: 1.7
Current: 1.29
0.13
1.7
P/S 2.54
ISF's P/S is ranked higher than
60% of the 1371 Companies
in the Global Banks - Global industry.

( Industry Median: 2.99 vs. ISF: 2.54 )
Ranked among companies with meaningful P/S only.
ISF' s 10-Year P/S Range
Min: 0.06  Med: 0.66 Max: 2.58
Current: 2.54
0.06
2.58
EV-to-EBIT 24.34
ISF's EV-to-EBIT is ranked lower than
78% of the 1255 Companies
in the Global Banks - Global industry.

( Industry Median: 13.99 vs. ISF: 24.34 )
Ranked among companies with meaningful EV-to-EBIT only.
ISF' s 10-Year EV-to-EBIT Range
Min: -71  Med: 15.10 Max: 1581.3
Current: 24.34
-71
1581.3
Shiller P/E 27.39
ISF's Shiller P/E is ranked lower than
79% of the 770 Companies
in the Global Banks - Global industry.

( Industry Median: 16.76 vs. ISF: 27.39 )
Ranked among companies with meaningful Shiller P/E only.
ISF' s 10-Year Shiller P/E Range
Min: 0.66  Med: 5.61 Max: 54.05
Current: 27.39
0.66
54.05
Days Sales Outstanding 110.66
ISF's Days Sales Outstanding is ranked lower than
78% of the 769 Companies
in the Global Banks - Global industry.

( Industry Median: 33.98 vs. ISF: 110.66 )
Ranked among companies with meaningful Days Sales Outstanding only.
ISF' s 10-Year Days Sales Outstanding Range
Min: 89.04  Med: 124.11 Max: 264.25
Current: 110.66
89.04
264.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.11
ISF's Dividend Yield is ranked lower than
61% of the 2204 Companies
in the Global Banks - Global industry.

( Industry Median: 2.60 vs. ISF: 3.11 )
Ranked among companies with meaningful Dividend Yield only.
ISF' s 10-Year Dividend Yield Range
Min: 3.11  Med: 4.29 Max: 53.02
Current: 3.11
3.11
53.02
Yield on cost (5-Year) 3.11
ISF's Yield on cost (5-Year) is ranked lower than
66% of the 2195 Companies
in the Global Banks - Global industry.

( Industry Median: 3.03 vs. ISF: 3.11 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ISF' s 10-Year Yield on cost (5-Year) Range
Min: 3.41  Med: 4.29 Max: 53.02
Current: 3.11
3.41
53.02
Share Buyback Rate -0.60
ISF's Share Buyback Rate is ranked higher than
64% of the 997 Companies
in the Global Banks - Global industry.

( Industry Median: -1.90 vs. ISF: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
ISF' s 10-Year Share Buyback Rate Range
Min: 0.3  Med: -2.70 Max: -20.7
Current: -0.6

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) 4.10
ISF's Earnings Yield (Greenblatt) (%) is ranked lower than
70% of the 1372 Companies
in the Global Banks - Global industry.

( Industry Median: 6.70 vs. ISF: 4.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ISF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 4.60 Max: 4779.6
Current: 4.1
0.1
4779.6
Forward Rate of Return (Yacktman) (%) 34.92
ISF's Forward Rate of Return (Yacktman) (%) is ranked higher than
82% of the 765 Companies
in the Global Banks - Global industry.

( Industry Median: 13.43 vs. ISF: 34.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ISF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -45.7  Med: 33.30 Max: 360.5
Current: 34.92
-45.7
360.5

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, ING.Argentina, INO.Switzerland, INGVF.USA, INN.Germany, INGN.Mexico, INGA.Belgium, INNA.Germany,
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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