Accepts various deposits, including current and savings accounts for retail and corporate clients. Now — the numbers.
This is an established company with proven profits.
No real growth (-3% a year).
The market pays 14.5× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 82% of them.
Analysts' average target sits 40% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Growth: Sales growth trails the sector average.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 27% — still a thick cushion, though costs have been eating into it lately.
It pays out $1.52 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales fell about 3% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The stock trades 40% above the average analyst price target.
On our five-subject report card, ING sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: ING is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.