The merger of the Dutch postal bank and NN Insurance in 1991 created ING. Through a series of further acquisitions ING build up a global footprint. The 2008 financial crisis forced ING to seek government support—a precondition of which was that ING should separate its banking and insurance activities, which saw ING revert to being solely a bank. ING has market-leading banking operations in the Netherlands and Belgium, and a range of digital banks across Europe and Australia. Its global wholesale banking operation is primarily focused on lending.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.6
Equity-to-Asset	0.05
Debt-to-Equity	2.93
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.48	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	11.2
	3-Year EPS without NRI Growth Rate	36.8
	3-Year Book Growth Rate	3
	Future 3-5Y EPS without NRI Growth Rate	23.7
	Future 3-5Y Total Revenue Growth Rate	0.1

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	33.24
	9-Day RSI	40.72
	14-Day RSI	46.75
	6-1 Month Momentum %	22.54
	12-1 Month Momentum %	27.88

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	7.53
	Dividend Payout Ratio	0.36
	Forward Dividend Yield %	7.53
	5-Year Yield-on-Cost %	7.53
	3-Year Average Share Buyback Ratio	5
	Shareholder Yield %	-48.38

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	32.32
	FCF Margin %	-51.4
	ROE %	14.27
	ROA %	0.73
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.11
	Forward PE Ratio	7.57
	PE Ratio without NRI	7.06
	Shiller PE Ratio	10.39
	PEG Ratio	2.02
	PS Ratio	2.3
	PB Ratio	0.96
	Price-to-Tangible-Book	0.98
	EV-to-Forward-EBIT	18.56
	EV-to-Revenue	4.86
	EV-to-Forward-Revenue	8.87
	EV-to-FCF	-9.45
	Price-to-Projected-FCF	0.32
	Price-to-DCF (Earnings Based)	0.46
	Price-to-Graham-Number	0.55
	FCF Yield %	-23.9
	Forward Rate of Return (Yacktman) %	30.18

GF Value: €14.73

XTER:INN1

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