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Also traded in: Argentina, Austria, 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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.20
ING's Cash-to-Debt is ranked lower than
87% of the 1615 Companies
in the Global Banks - Global industry.

( Industry Median: 2.12 vs. ING: 0.20 )
Ranked among companies with meaningful Cash-to-Debt only.
ING' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.36 Max: 0.6
Current: 0.2
0.01
0.6
Equity-to-Asset 0.06
ING's Equity-to-Asset is ranked lower than
86% of the 1617 Companies
in the Global Banks - Global industry.

( Industry Median: 0.11 vs. ING: 0.06 )
Ranked among companies with meaningful Equity-to-Asset only.
ING' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.04 Max: 0.07
Current: 0.06
0.02
0.07
Debt-to-Equity 2.31
ING's Debt-to-Equity is ranked lower than
91% of the 1231 Companies
in the Global Banks - Global industry.

( Industry Median: 0.63 vs. ING: 2.31 )
Ranked among companies with meaningful Debt-to-Equity only.
ING' s Debt-to-Equity Range Over the Past 10 Years
Min: 2.31  Med: 4.18 Max: 6.84
Current: 2.31
2.31
6.84
Debt-to-EBITDA 6.09
ING's Debt-to-EBITDA is ranked lower than
80% of the 1243 Companies
in the Global Banks - Global industry.

( Industry Median: 5.24 vs. ING: 6.09 )
Ranked among companies with meaningful Debt-to-EBITDA only.
ING' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 6.09
Current: 6.09
0
6.09
Beneish M-Score: -2.37
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
Net Margin % 29.68
ING's Net Margin % is ranked higher than
69% of the 1630 Companies
in the Global Banks - Global industry.

( Industry Median: 22.23 vs. ING: 29.68 )
Ranked among companies with meaningful Net Margin % only.
ING' s Net Margin % Range Over the Past 10 Years
Min: -5.58  Med: 21.1 Max: 29.68
Current: 29.68
-5.58
29.68
ROE % 11.28
ING's ROE % is ranked higher than
71% of the 1631 Companies
in the Global Banks - Global industry.

( Industry Median: 8.44 vs. ING: 11.28 )
Ranked among companies with meaningful ROE % only.
ING' s ROE % Range Over the Past 10 Years
Min: -11.2  Med: 8.06 Max: 11.42
Current: 11.28
-11.2
11.42
ROA % 0.64
ING's ROA % is ranked lower than
66% of the 1634 Companies
in the Global Banks - Global industry.

( Industry Median: 0.87 vs. ING: 0.64 )
Ranked among companies with meaningful ROA % only.
ING' s ROA % Range Over the Past 10 Years
Min: -0.26  Med: 0.35 Max: 0.65
Current: 0.64
-0.26
0.65
3-Year Revenue Growth Rate 6.30
ING's 3-Year Revenue Growth Rate is ranked higher than
60% of the 1453 Companies
in the Global Banks - Global industry.

( Industry Median: 4.40 vs. ING: 6.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ING' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -33.9  Med: -2.05 Max: 24.6
Current: 6.3
-33.9
24.6
3-Year EPS without NRI Growth Rate 48.60
ING's 3-Year EPS without NRI Growth Rate is ranked higher than
94% of the 1339 Companies
in the Global Banks - Global industry.

( Industry Median: 6.60 vs. ING: 48.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ING' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4.95 Max: 74.8
Current: 48.6
0
74.8
GuruFocus has detected 1 Warning Sign with ING Groep NV ING.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ING's 30-Y Financials

Financials (Next Earnings Date: 2018-08-02)


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

» Details

Guru Trades

Q2 2017

ING Guru Trades in Q2 2017

David Dreman 443 sh (New)
Ken Fisher 36,009,342 sh (+1155.06%)
Sarah Ketterer 488,804 sh (+5.17%)
John Buckingham 382,700 sh (-1.68%)
NWQ Managers 4,434,105 sh (-7.28%)
» More
Q3 2017

ING Guru Trades in Q3 2017

Ken Fisher 38,178,130 sh (+6.02%)
David Dreman 443 sh (unchged)
John Buckingham 376,192 sh (-1.70%)
NWQ Managers 3,900,518 sh (-12.03%)
Sarah Ketterer 315,493 sh (-35.46%)
» More
Q4 2017

ING Guru Trades in Q4 2017

Jim Simons 12,010 sh (New)
Sarah Ketterer 335,859 sh (+6.46%)
Ken Fisher 39,991,232 sh (+4.75%)
David Dreman 443 sh (unchged)
John Buckingham 373,518 sh (-0.71%)
NWQ Managers 3,844,497 sh (-1.44%)
» More
Q1 2018

ING Guru Trades in Q1 2018

Jim Simons 2,039,500 sh (+16881.68%)
Sarah Ketterer 426,841 sh (+27.09%)
Ken Fisher 41,617,351 sh (+4.07%)
John Buckingham 377,884 sh (+1.17%)
David Dreman 443 sh (unchged)
NWQ Managers 3,746,982 sh (-2.54%)
» More
» Details

Insider Trades

Latest Guru Trades with ING

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ken Fisher 2018-03-31 Add 4.07%0.04%$16.45 - $20.57 $ 15.60-16%41,617,351
NWQ Managers 2018-03-31 Reduce -2.54%0.03%$16.45 - $20.57 $ 15.60-16%3,746,982
Ken Fisher 2017-12-31 Add 4.75%0.05%$17.72 - $18.82 $ 15.60-15%39,991,232
NWQ Managers 2017-12-31 Reduce -1.44%0.01%$17.72 - $18.82 $ 15.60-15%3,844,497
Ken Fisher 2017-09-30 Add 6.02%0.06%$17.4 - $18.87 $ 15.60-14%38,178,130
NWQ Managers 2017-09-30 Reduce -12.03%0.13%$17.4 - $18.87 $ 15.60-14%3,900,518
Ken Fisher 2017-06-30 Add 1155.06%0.92%$14.6 - $17.44 $ 15.60-5%36,009,342
NWQ Managers 2017-06-30 Reduce -7.28%0.07%$14.6 - $17.44 $ 15.60-5%4,434,105
David Dreman 2017-06-30 New Buy$14.6 - $17.44 $ 15.60-5%443
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of ING Groep NV

SymbolPriceYieldDescription
ISG.PFD25.560.006 1/8 % Perpetual Debt Secs 2005-Without Fixed Maturity
IDG.PFD25.450.007.375% ING Perpetual Hybrid Capital Securities
ISP.PFD26.160.006.2 % Perpetual Debt Secs 2003
INZ.PFD26.090.007.2 % Perpetual Debt Securities 2002-Without fixed maturity Global
IND.PFD26.370.007.05 % Perpetual Debt Secs 2002-Without Fixed Maturity
ISF.PFD25.774.64Preferred Shares

Business Description

Industry: Banks » Banks - Global    NAICS: 522110    SIC: 6029
Compare:SHSE:601328, XSWX:UBSGE, ASX:NAB, TSE:8316, ASX:WBC, ASX:ANZ, TSX:BNS, XMCE:BBVA, LSE:BARC, TSX:BMO, LSE:RBS, XSWX:CSGN, TSE:8306, TSX:CM, ADX:FAB, ASX:CBA, LSE:STAN, SHSE:601818, XKLS:1155, JSE:FSR » details
Traded in other countries:ING.Argentina, INGA.Austria, INGS.Belgium, INN1.Germany, INGA.Italy, INGN.Mexico, INGA.Netherlands, INGAT.Switzerland, 0RIC.UK, INGVF.USA,
Headquarter Location:Netherlands
ING Groep NV operates in the financial services domain. Its key areas of operation include retail and commercial banking.

ING is a global financial institution operating in more than 40 countries with a strong European base offering banking services. The bank is ranked 27th globally in terms of the most valuable bank brands, and it is a leader in digital banking and sustainability. ING's global network creates a competitive advantage for the bank. As of 2016, the bank had successfully completed its restructuring plan, through which it has exited the insurance business via 50 transactions that started back in 2009; it has now reinvented itself as a lean bank.

Ratios

vs
industry
vs
history
PE Ratio 9.24
ING's PE Ratio is ranked higher than
74% of the 1497 Companies
in the Global Banks - Global industry.

( Industry Median: 15.27 vs. ING: 9.24 )
Ranked among companies with meaningful PE Ratio only.
ING' s PE Ratio Range Over the Past 10 Years
Min: 0.95  Med: 9.48 Max: 263.5
Current: 9.24
0.95
263.5
Forward PE Ratio 10.63
ING's Forward PE Ratio is ranked higher than
77% of the 443 Companies
in the Global Banks - Global industry.

( Industry Median: 13.87 vs. ING: 10.63 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 9.24
ING's PE Ratio without NRI is ranked higher than
74% of the 1499 Companies
in the Global Banks - Global industry.

( Industry Median: 15.29 vs. ING: 9.24 )
Ranked among companies with meaningful PE Ratio without NRI only.
ING' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0.95  Med: 11.14 Max: 36.77
Current: 9.24
0.95
36.77
PB Ratio 1.06
ING's PB Ratio is ranked higher than
55% of the 1612 Companies
in the Global Banks - Global industry.

( Industry Median: 1.24 vs. ING: 1.06 )
Ranked among companies with meaningful PB Ratio only.
ING' s PB Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.84 Max: 1.33
Current: 1.06
0.16
1.33
PS Ratio 2.79
ING's PS Ratio is ranked higher than
60% of the 1570 Companies
in the Global Banks - Global industry.

( Industry Median: 3.56 vs. ING: 2.79 )
Ranked among companies with meaningful PS Ratio only.
ING' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 1.84 Max: 4.01
Current: 2.79
0.08
4.01
EV-to-Revenue 7.72
ING's EV-to-Revenue is ranked lower than
80% of the 1276 Companies
in the Global Banks - Global industry.

( Industry Median: 4.24 vs. ING: 7.72 )
Ranked among companies with meaningful EV-to-Revenue only.
ING' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.7  Med: 7.9 Max: 11.1
Current: 7.72
0.7
11.1
Shiller PE Ratio 24.60
ING's Shiller PE Ratio is ranked lower than
65% of the 520 Companies
in the Global Banks - Global industry.

( Industry Median: 21.59 vs. ING: 24.60 )
Ranked among companies with meaningful Shiller PE Ratio only.
ING' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.61  Med: 4.71 Max: 31.34
Current: 24.6
0.61
31.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.62
ING's Dividend Yield % is ranked higher than
84% of the 2465 Companies
in the Global Banks - Global industry.

( Industry Median: 2.51 vs. ING: 4.62 )
Ranked among companies with meaningful Dividend Yield % only.
ING' s Dividend Yield % Range Over the Past 10 Years
Min: 2.8  Med: 4.77 Max: 62.4
Current: 4.62
2.8
62.4
Dividend Payout Ratio 0.46
ING's Dividend Payout Ratio is ranked higher than
82% of the 1418 Companies
in the Global Banks - Global industry.

( Industry Median: 0.34 vs. ING: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ING' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.47 Max: 0.56
Current: 0.46
0.26
0.56
Forward Dividend Yield % 4.63
ING's Forward Dividend Yield % is ranked higher than
89% of the 2426 Companies
in the Global Banks - Global industry.

( Industry Median: 2.75 vs. ING: 4.63 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.62
ING's 5-Year Yield-on-Cost % is ranked higher than
79% of the 2826 Companies
in the Global Banks - Global industry.

( Industry Median: 3.25 vs. ING: 4.62 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ING' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.8  Med: 4.77 Max: 62.4
Current: 4.62
2.8
62.4
3-Year Average Share Buyback Ratio -0.30
ING's 3-Year Average Share Buyback Ratio is ranked higher than
72% of the 1082 Companies
in the Global Banks - Global industry.

( Industry Median: -2.20 vs. ING: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ING' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -22.9  Med: -0.8 Max: 2.2
Current: -0.3
-22.9
2.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.08
ING's Price-to-Tangible-Book is ranked higher than
56% of the 1603 Companies
in the Global Banks - Global industry.

( Industry Median: 1.33 vs. ING: 1.08 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ING' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.55  Med: 1.28 Max: 2.54
Current: 1.08
0.55
2.54
Price-to-Intrinsic-Value-Projected-FCF 1.05
ING's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
73% of the 883 Companies
in the Global Banks - Global industry.

( Industry Median: 0.83 vs. ING: 1.05 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ING' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.05  Med: 0.25 Max: 1.23
Current: 1.05
0.05
1.23
Price-to-Median-PS-Value 1.50
ING's Price-to-Median-PS-Value is ranked lower than
90% of the 1419 Companies
in the Global Banks - Global industry.

( Industry Median: 9999.00 vs. ING: 1.50 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ING' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.13  Med: 0.42 Max: 1.76
Current: 1.5
0.13
1.76
Price-to-Graham-Number 0.67
ING's Price-to-Graham-Number is ranked higher than
67% of the 1378 Companies
in the Global Banks - Global industry.

( Industry Median: 0.99 vs. ING: 0.67 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ING' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.46  Med: 0.72 Max: 1.01
Current: 0.67
0.46
1.01

More Statistics

Revenue (TTM) (Mil) $21,265.97
EPS (TTM) $ 1.63
Beta1.03
Volatility18.44%
52-Week Range $15.51 - 20.58
Shares Outstanding (Mil)3,891.36 (ADR)

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 21,378 22,041 22,152
EBIT (Mil $) 9,473 9,934 10,650
EBITDA (Mil $)
EPS ($) 1.50 1.62 1.63
EPS without NRI ($) 1.50 1.62 1.63
EPS Growth Rate
(Future 3Y To 5Y Estimate)
8.00%
Dividends per Share ($) 0.81 0.84 0.87

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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