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

( Industry Median: 1.61 vs. ISP: 0.36 )
ISP' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.36

Equity to Asset 0.05
ISP's Equity to Asset is ranked higher than
68% of the 179 Companies
in the Global Insurance - Diversified industry.

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

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

( Industry Median: 7.86 vs. ISP: 0.15 )
ISP' 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
ISP's Operating margin (%) is ranked higher than
97% of the 185 Companies
in the Global Insurance - Diversified industry.

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

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

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

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

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

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

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

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

( Industry Median: 204.78 vs. ISP: 463.87 )
ISP' 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
ISP's Revenue Growth (3Y)(%) is ranked higher than
74% of the 167 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.60 vs. ISP: -15.20 )
ISP' 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
ISP's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.90 vs. ISP: 11.40 )
ISP' 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
ISP's EPS Growth (3Y)(%) is ranked higher than
94% of the 143 Companies
in the Global Insurance - Diversified industry.

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

-54.7
74.7
» ISP's 10-Y Financials

Financials


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

» Details

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Latest Guru Trades with ISP

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Preferred stocks of ING Groep N.V.

SymbolPriceYieldDescription
IDG25.903.56
ISP25.483.10
ISF25.301.57

Ratios

vs
industry
vs
history
P/E(ttm) 22.30
ISP's P/E(ttm) is ranked higher than
74% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. ISP: 22.30 )
ISP' s 10-Year P/E(ttm) Range
Min: 1.21   Max: 33.17
Current: 22.3

1.21
33.17
P/B 0.87
ISP's P/B is ranked higher than
90% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.02 vs. ISP: 0.87 )
ISP' s 10-Year P/B Range
Min: 0.13   Max: 1.7
Current: 0.87

0.13
1.7
P/S 1.18
ISP's P/S is ranked higher than
79% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.60 vs. ISP: 1.18 )
ISP' s 10-Year P/S Range
Min: 0.06   Max: 1.52
Current: 1.18

0.06
1.52
EV-to-EBIT 13.53
ISP's EV-to-EBIT is ranked higher than
79% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.14 vs. ISP: 13.53 )
ISP' s 10-Year EV-to-EBIT Range
Min: -71   Max: 1581.3
Current: 13.53

-71
1581.3
Shiller P/E 32.38
ISP's Shiller P/E is ranked higher than
85% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 24.29 vs. ISP: 32.38 )
ISP' s 10-Year Shiller P/E Range
Min: 0.66   Max: 43.24
Current: 32.38

0.66
43.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.10
ISP's Dividend Yield is ranked lower than
77% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.84 vs. ISP: 3.10 )
ISP' s 10-Year Dividend Yield Range
Min: 3.41   Max: 62.4
Current: 3.1

3.41
62.4
Yield on cost (5-Year) 3.10
ISP's Yield on cost (5-Year) is ranked lower than
77% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.16 vs. ISP: 3.10 )
ISP' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 3.1

Share Buyback Rate -0.50
ISP's Share Buyback Rate is ranked higher than
84% of the 128 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 vs. ISP: -0.50 )
ISP' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -20.7
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.89
ISP's Price/Tangible Book is ranked higher than
93% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.63 vs. ISP: 0.89 )
ISP' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 2.06
Current: 0.89

0.29
2.06
Price/DCF (Projected) 1.71
ISP's Price/DCF (Projected) is ranked higher than
83% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.01 vs. ISP: 1.71 )
ISP' s 10-Year Price/DCF (Projected) Range
Min: 0.02   Max: 11.48
Current: 1.71

0.02
11.48
Price/Median PS Value 2.00
ISP's Price/Median PS Value is ranked higher than
72% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.17 vs. ISP: 2.00 )
ISP' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 2.54
Current: 2

0.17
2.54
Price/Graham Number 0.56
ISP's Price/Graham Number is ranked higher than
96% of the 194 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 vs. ISP: 0.56 )
ISP' s 10-Year Price/Graham Number Range
Min: 0.33   Max: 1.01
Current: 0.56

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

( Industry Median: 11.30 vs. ISP: 7.40 )
ISP' 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) 105.79
ISP's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 20.88 vs. ISP: 105.79 )
ISP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -45.7   Max: 393.3
Current: 105.79

-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
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