(INGA) ING Groep - Ratings and Ratios
Banking, Lending, Savings, Insurance, Investment
INGA EPS (Earnings per Share)
INGA Revenue
Description: INGA ING Groep
ING Groep N.V. is a diversified banking institution operating across multiple segments, including retail banking in various European countries and wholesale banking globally. The company provides a broad range of financial products and services, including current and savings accounts, business lending, consumer lending, mortgages, working capital solutions, and investment services.
From a financial perspective, ING Groep N.V. has a market capitalization of approximately €57.2 billion, indicating a significant presence in the European banking sector. With a Price-to-Earnings (P/E) ratio of 9.78 and a forward P/E of 10.15, the stock appears to be reasonably valued compared to its earnings. The Return on Equity (RoE) of 12.33% suggests that the company is generating a decent return for its shareholders.
To further analyze ING Groep N.V.s performance, additional Key Performance Indicators (KPIs) can be considered. For instance, the companys Net Interest Margin (NIM) is a crucial metric, as it indicates the profitability of its lending activities. A higher NIM suggests that the company is generating more income from its interest-earning assets. Additionally, the Cost-to-Income ratio is another important KPI, as it measures the companys operational efficiency. A lower ratio indicates that the company is managing its costs effectively.
ING Groep N.V.s capital adequacy and asset quality are also essential factors to consider. The companys Common Equity Tier 1 (CET1) ratio, a measure of its core capital, is a key indicator of its capital strength. A higher CET1 ratio suggests that the company has a more robust capital position, enabling it to absorb potential losses. Furthermore, the Non-Performing Loans (NPL) ratio, which measures the proportion of loans that are not generating income, is another critical metric. A lower NPL ratio indicates that the company has a healthier loan portfolio.
INGA Stock Overview
| Market Cap in USD | 73,664m |
| Sub-Industry | Diversified Banks |
| IPO / Inception |
INGA Stock Ratings
| Growth Rating | 94.6% |
| Fundamental | 58.7% |
| Dividend Rating | 77.0% |
| Return 12m vs S&P 500 | 21.2% |
| Analyst Rating | - |
INGA Dividends
| Dividend Yield 12m | 6.40% |
| Yield on Cost 5y | 25.18% |
| Annual Growth 5y | 29.77% |
| Payout Consistency | 73.5% |
| Payout Ratio | 61.4% |
INGA Growth Ratios
| Growth Correlation 3m | 91.4% |
| Growth Correlation 12m | 89.2% |
| Growth Correlation 5y | 92.9% |
| CAGR 5y | 45.25% |
| CAGR/Max DD 3y | 1.96 |
| CAGR/Mean DD 3y | 13.83 |
| Sharpe Ratio 12m | 1.35 |
| Alpha | 29.12 |
| Beta | 0.556 |
| Volatility | 20.33% |
| Current Volume | 6504.3k |
| Average Volume 20d | 6504.3k |
| Stop Loss | 21.2 (-3.2%) |
| Signal | 0.50 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (6.16b TTM) > 0 and > 6% of Revenue (6% = 1.36b TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA -0.99pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA -0.02 (>3.0%) and CFO -22.54b <= Net Income 6.16b (YES >=105%, WARN >=100%) |
| Net Debt (92.02b) to EBITDA (6.16b) ratio: 14.93 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (2.98b) change vs 12m ago -7.99% (target <= -2.0% for YES) |
| Gross Margin 100.0% (prev 48.68%; Δ 51.32pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.13% (prev 2.16%; Δ -0.03pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.14 (EBITDA TTM 6.16b / Interest Expense TTM 43.88b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 58.71
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield data missing |
| 3. FCF Margin data missing |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC 2.01% = 2.51 |
| 7. RoE 12.18% = 1.02 |
| 8. Rev. Trend 60.90% = 4.57 |
| 9. EPS Trend 52.26% = 2.61 |
What is the price of INGA shares?
Over the past week, the price has changed by +4.61%, over one month by +2.82%, over three months by +22.72% and over the past year by +44.12%.
Is ING Groep a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of INGA is around 29.44 EUR . This means that INGA is currently undervalued and has a potential upside of +34.43% (Margin of Safety).
Is INGA a buy, sell or hold?
What are the forecasts/targets for the INGA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 22 | 0.6% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 32.7 | 49.3% |
INGA Fundamental Data Overview
Market Cap EUR = 62.82b (62.82b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 75.56b EUR (Cash only, last quarter)
P/E Trailing = 10.7312
P/E Forward = 9.4429
P/S = 3.2061
P/B = 1.2728
P/EG = 2.6843
Beta = 1.28
Revenue TTM = 22.66b EUR
EBIT TTM = 6.16b EUR
EBITDA TTM = 6.16b EUR
Long Term Debt = 167.58b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 92.02b EUR (from netDebt column, last quarter)
Enterprise Value = -12.74b EUR (62.82b + (null Debt) - CCE 75.56b)
Interest Coverage Ratio = 0.14 (Ebit TTM 6.16b / Interest Expense TTM 43.88b)
FCF Yield = -179.5% (FCF TTM -22.88b / Enterprise Value -12.74b)
FCF Margin = -101.0% (FCF TTM -22.88b / Revenue TTM 22.66b)
Net Margin = 27.21% (Net Income TTM 6.16b / Revenue TTM 22.66b)
Gross Margin = unknown ((Revenue TTM 22.66b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = -0.36 (set to none) (Enterprise Value -12.74b / Book Value Of Equity 35.12b)
Interest Expense / Debt = unknown (Interest Expense 43.88b / Debt none)
Taxrate = 28.49% (2.65b / 9.30b)
NOPAT = 4.41b (EBIT 6.16b * (1 - 28.49%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = unknown Debt (none)
Debt / EBITDA = unknown (Net Debt 92.02b / EBITDA 6.16b)
Debt / FCF = none (Debt none / FCF TTM -22.88b)
Total Stockholder Equity = 50.60b (last 4 quarters mean)
RoA = 0.57% (Net Income 6.16b, Total Assets 1086.76b )
RoE = 12.18% (Net Income TTM 6.16b / Total Stockholder Equity 50.60b)
RoCE = 2.83% (Ebit 6.16b / (Equity 50.60b + L.T.Debt 167.58b))
RoIC = 2.01% (NOPAT 4.41b / Invested Capital 219.24b)
WACC = unknown (E(62.82b)/V(0.0) * Re(8.06%)) + (D(none)/V(0.0) * Rd(none%) * (1-Tc(0.28)))
Shares Correlation 3-Years: -96.97 | Cagr: -1.40%
Discount Rate = 8.06% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -22.88b)
EPS Correlation: 52.26 | EPS CAGR: 32.18% | SUE: 0.84 | # QB: False
Revenue Correlation: 60.90 | Revenue CAGR: 9.78%