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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 : 5/10

vs
industry
vs
history
Cash to Debt 3.28
ISP's Cash to Debt is ranked higher than
58% of the 1599 Companies
in the Global Banks - Global industry.

( Industry Median: 1.98 vs. ISP: 3.28 )
Ranked among companies with meaningful Cash to Debt only.
ISP' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.42 Max: N/A
Current: 3.28
Equity to Asset 0.06
ISP's Equity to Asset is ranked lower than
86% of the 1608 Companies
in the Global Banks - Global industry.

( Industry Median: 0.10 vs. ISP: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
ISP' 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
ISP's Interest Coverage is ranked lower than
93% of the 1529 Companies
in the Global Banks - Global industry.

( Industry Median: 1.67 vs. ISP: 0.20 )
Ranked among companies with meaningful Interest Coverage only.
ISP' 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
F-Score: 4
M-Score: -2.61
WACC vs ROIC
15.58%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 37.66
ISP's Operating margin (%) is ranked higher than
75% of the 1621 Companies
in the Global Banks - Global industry.

( Industry Median: 30.83 vs. ISP: 37.66 )
Ranked among companies with meaningful Operating margin (%) only.
ISP' 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
ISP's Net-margin (%) is ranked higher than
64% of the 1619 Companies
in the Global Banks - Global industry.

( Industry Median: 22.44 vs. ISP: 29.34 )
Ranked among companies with meaningful Net-margin (%) only.
ISP' 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
ISP's ROE (%) is ranked higher than
78% of the 1619 Companies
in the Global Banks - Global industry.

( Industry Median: 8.54 vs. ISP: 10.35 )
Ranked among companies with meaningful ROE (%) only.
ISP' 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
ISP's ROA (%) is ranked lower than
64% of the 1627 Companies
in the Global Banks - Global industry.

( Industry Median: 0.89 vs. ISP: 0.55 )
Ranked among companies with meaningful ROA (%) only.
ISP' s ROA (%) Range Over the Past 10 Years
Min: -0.26  Med: 0.35 Max: 0.73
Current: 0.55
-0.26
0.73
Revenue Growth (3Y)(%) 5.30
ISP's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1340 Companies
in the Global Banks - Global industry.

( Industry Median: 3.30 vs. ISP: 5.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ISP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -31  Med: -5.55 Max: 24.6
Current: 5.3
-31
24.6
EBITDA Growth (3Y)(%) 23.40
ISP's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1229 Companies
in the Global Banks - Global industry.

( Industry Median: 5.90 vs. ISP: 23.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ISP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.7  Med: 10.55 Max: 60.3
Current: 23.4
-39.7
60.3
EPS Growth (3Y)(%) 43.20
ISP's EPS Growth (3Y)(%) is ranked higher than
91% of the 1204 Companies
in the Global Banks - Global industry.

( Industry Median: 7.40 vs. ISP: 43.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ISP' s EPS Growth (3Y)(%) 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 $ISP.
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» ISP's 10-Y Financials

Financials (Next Earnings Date: 2017-02-02)


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

» Details

Insider Trades

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of ING Groep NV

SymbolPriceYieldDescription
ISG25.381.516 1/8 % Perpetual Debt Secs 2005-Without Fixed Maturity
IDG25.450.007.375% ING Perpetual Hybrid Capital Securities
ISP25.330.006.2 % Perpetual Debt Secs 2003
INZ25.650.007.2 % Perpetual Debt Securities 2002-Without fixed maturity Global
IND26.370.007.05 % Perpetual Debt Secs 2002-Without Fixed Maturity
ISF25.306.30Preferred Shares

Business Description

Industry: Banks » Banks - Global    NAICS: 522110    SIC: 6029
Compare:NYSE:NTB, OTCPK:NBGIF, NAS:EWBC, OTCPK:JBAXY, OTCPK:NTIOF, OTCPK:MLYBY, OTCPK:FANDY, OTCPK:SVNLY, OTCPK:SCBFF, NYSE:RBS, NYSE:CS, NYSE:CM, NYSE:RY/PT, NYSE:BBVA, OTCPK:BCLYF, NYSE:BMO, NYSE:SMFG, OTCPK:BCMXY, OTCPK:NABZY, 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
P/E(ttm) 10.36
ISP's P/E(ttm) is ranked higher than
70% of the 1493 Companies
in the Global Banks - Global industry.

( Industry Median: 14.26 vs. ISP: 10.36 )
Ranked among companies with meaningful P/E(ttm) only.
ISP' s P/E(ttm) Range Over the Past 10 Years
Min: 1.55  Med: 7.5 Max: 541.5
Current: 10.36
1.55
541.5
Forward P/E 20.88
ISP's Forward P/E is ranked lower than
90% of the 366 Companies
in the Global Banks - Global industry.

( Industry Median: 15.41 vs. ISP: 20.88 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.33
ISP's PE(NRI) is ranked higher than
65% of the 1490 Companies
in the Global Banks - Global industry.

( Industry Median: 14.29 vs. ISP: 11.33 )
Ranked among companies with meaningful PE(NRI) only.
ISP' s PE(NRI) Range Over the Past 10 Years
Min: 1.55  Med: 7.43 Max: 94.75
Current: 11.33
1.55
94.75
Price/Owner Earnings (ttm) 10.08
ISP's Price/Owner Earnings (ttm) is ranked higher than
65% of the 881 Companies
in the Global Banks - Global industry.

( Industry Median: 14.64 vs. ISP: 10.08 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ISP' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.99  Med: 13.02 Max: 3148.75
Current: 10.08
4.99
3148.75
P/B 1.06
ISP's P/B is ranked higher than
57% of the 1607 Companies
in the Global Banks - Global industry.

( Industry Median: 1.16 vs. ISP: 1.06 )
Ranked among companies with meaningful P/B only.
ISP' s P/B Range Over the Past 10 Years
Min: 0.13  Med: 0.84 Max: 1.7
Current: 1.06
0.13
1.7
P/S 4.17
ISP's P/S is ranked lower than
65% of the 1587 Companies
in the Global Banks - Global industry.

( Industry Median: 3.37 vs. ISP: 4.17 )
Ranked among companies with meaningful P/S only.
ISP' s P/S Range Over the Past 10 Years
Min: 0.08  Med: 0.72 Max: 4.34
Current: 4.17
0.08
4.34
POCF 2.71
ISP's POCF is ranked higher than
80% of the 895 Companies
in the Global Banks - Global industry.

( Industry Median: 11.29 vs. ISP: 2.71 )
Ranked among companies with meaningful POCF only.
ISP' s POCF Range Over the Past 10 Years
Min: 0.51  Med: 3.89 Max: 64.17
Current: 2.71
0.51
64.17
EV-to-EBIT 3.16
ISP's EV-to-EBIT is ranked higher than
87% of the 1216 Companies
in the Global Banks - Global industry.

( Industry Median: 12.39 vs. ISP: 3.16 )
Ranked among companies with meaningful EV-to-EBIT only.
ISP' s EV-to-EBIT Range Over the Past 10 Years
Min: -54.3  Med: 7.2 Max: 303.7
Current: 3.16
-54.3
303.7
EV-to-EBITDA 2.89
ISP's EV-to-EBITDA is ranked higher than
88% of the 1226 Companies
in the Global Banks - Global industry.

( Industry Median: 11.20 vs. ISP: 2.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
ISP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -87  Med: 7.2 Max: 156.8
Current: 2.89
-87
156.8
PEG 4.07
ISP's PEG is ranked lower than
82% of the 755 Companies
in the Global Banks - Global industry.

( Industry Median: 1.32 vs. ISP: 4.07 )
Ranked among companies with meaningful PEG only.
ISP' s PEG Range Over the Past 10 Years
Min: 0.17  Med: 0.73 Max: 4.07
Current: 4.07
0.17
4.07
Shiller P/E 9.66
ISP's Shiller P/E is ranked higher than
88% of the 484 Companies
in the Global Banks - Global industry.

( Industry Median: 20.92 vs. ISP: 9.66 )
Ranked among companies with meaningful Shiller P/E only.
ISP' s Shiller P/E Range Over the Past 10 Years
Min: 0.62  Med: 4.16 Max: 10.08
Current: 9.66
0.62
10.08

Buy Back

vs
industry
vs
history
Yield on cost (5-Year) 3.11
ISP's Yield on cost (5-Year) is ranked higher than
80% of the 2640 Companies
in the Global Banks - Global industry.

( Industry Median: 3.36 vs. ISP: 3.11 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ISP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.76  Med: 4.49 Max: 53.02
Current: 3.11
0.76
53.02
3-Year Average Share Buyback Ratio -0.30
ISP's 3-Year Average Share Buyback Ratio is ranked higher than
70% of the 1049 Companies
in the Global Banks - Global industry.

( Industry Median: -2.00 vs. ISP: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ISP' 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/Tangible Book 1.09
ISP's Price/Tangible Book is ranked higher than
59% of the 1600 Companies
in the Global Banks - Global industry.

( Industry Median: 1.23 vs. ISP: 1.09 )
Ranked among companies with meaningful Price/Tangible Book only.
ISP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.29  Med: 1.12 Max: 2.06
Current: 1.09
0.29
2.06
Price/Projected FCF 1.33
ISP's Price/Projected FCF is ranked lower than
82% of the 886 Companies
in the Global Banks - Global industry.

( Industry Median: 0.79 vs. ISP: 1.33 )
Ranked among companies with meaningful Price/Projected FCF only.
ISP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.11  Med: 0.38 Max: 37.34
Current: 1.33
0.11
37.34
Price/Median PS Value 5.78
ISP's Price/Median PS Value is ranked lower than
99% of the 1463 Companies
in the Global Banks - Global industry.

( Industry Median: 1.14 vs. ISP: 5.78 )
Ranked among companies with meaningful Price/Median PS Value only.
ISP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.17  Med: 0.81 Max: 5.78
Current: 5.78
0.17
5.78
Price/Peter Lynch Fair Value 2.07
ISP's Price/Peter Lynch Fair Value is ranked lower than
77% of the 402 Companies
in the Global Banks - Global industry.

( Industry Median: 1.14 vs. ISP: 2.07 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ISP' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.21  Med: 0.64 Max: 2.52
Current: 2.07
0.21
2.52
Price/Graham Number 0.74
ISP's Price/Graham Number is ranked higher than
65% of the 1404 Companies
in the Global Banks - Global industry.

( Industry Median: 0.95 vs. ISP: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
ISP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.27  Med: 0.59 Max: 1.49
Current: 0.74
0.27
1.49
Earnings Yield (Greenblatt) (%) 31.60
ISP's Earnings Yield (Greenblatt) (%) is ranked higher than
90% of the 1605 Companies
in the Global Banks - Global industry.

( Industry Median: 5.80 vs. ISP: 31.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ISP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 9.1 Max: 3965.1
Current: 31.6
0.3
3965.1
Forward Rate of Return (Yacktman) (%) 8.08
ISP's Forward Rate of Return (Yacktman) (%) is ranked lower than
60% of the 872 Companies
in the Global Banks - Global industry.

( Industry Median: 11.48 vs. ISP: 8.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ISP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -45.7  Med: 10.7 Max: 360.5
Current: 8.08
-45.7
360.5

More Statistics

Beta0.08
Short Percentage of Float0.00%
52-Week Range $22.27 - 26.52
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