ING Group, N.V. (ING) vs UBS Group AG (UBS)

ING Group, N.V. and UBS Group AG are both Banks Diversified companies. UBS Group AG is the larger, with a market value of $146.3B against $93.6B — 1.6× the size. ING Group, N.V. trades at the lower P/E: 14.2× against 15.5×. UBS Group AG grew revenue faster over the last twelve months: −13.0% against −40.1%. ING Group, N.V. has the higher net margin (81.9% vs 13.8%) and the lower return on invested capital (0.00% vs 3.60%). Both pay a dividend; ING Group, N.V. yields more (4.54% vs 2.31%). Across the 19 metrics below, ING Group, N.V. leads on 11 and UBS Group AG on 8.

Valuation

Metric ING UBS Banks Diversified median
P/E 14.16 15.53 11.97
P/S 10.95 2.13 2.60
P/B 1.53 1.64 1.59
Price to free cash flow 2.91 12.43 4.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.06% 6.44% 8.36%
Free cash flow yield 34.34% 8.04% 7.80%

Profitability

Metric ING UBS Banks Diversified median
Gross margin 100.00% 73.15% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 81.92% 13.80% 18.44%
Free cash flow margin 0.00% 17.15% 0.00%
Return on equity 0.00% 10.63% 10.89%
Return on assets 0.00% 0.59% 0.76%
Return on invested capital 0.00% 3.60% 0.00%

Growth

Metric ING UBS Banks Diversified median
Revenue growth (TTM) (40.08%) (13.04%) 5.49%
EPS growth (last fiscal year) 12.15% 55.26% 18.19%
Revenue growth, 5-year CAGR 18.35% 16.13% 14.34%
Net income growth, 5-year CAGR 29.66% 3.45% 10.77%

Health

Metric ING UBS Banks Diversified median
Debt to equity 2.99 3.84 1.43
Current ratio 1.10 1.10 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ING UBS Banks Diversified median
Dividend yield 4.54% 2.31% 2.29%
Payout ratio 0.64 0.37 0.27

Size

Metric ING UBS Banks Diversified median
Market cap 93.58b 146.29b 201.23b

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