ING Group, N.V. (ING) vs Wells Fargo & Company (WFC)

ING Group, N.V. and Wells Fargo & Company are both Banks Diversified companies. Wells Fargo & Company is the larger, with a market value of $248.1B against $94.0B — 2.6× the size. Wells Fargo & Company trades at the lower P/E: 12.1× against 14.1×. Wells Fargo & Company grew revenue faster over the last twelve months: 5.33% against −40.1%. ING Group, N.V. has the higher net margin (81.9% vs 16.8%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; ING Group, N.V. yields more (4.55% vs 2.21%). Across the 18 metrics below, Wells Fargo & Company leads on 11 and ING Group, N.V. on 7.

Valuation

Metric ING WFC Banks Diversified median
P/E 14.14 12.05 12.71
P/S 10.93 1.98 2.61
P/B 1.53 1.53 1.59
Price to free cash flow 2.91 13.42 4.14
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.07% 8.30% 7.88%
Free cash flow yield 34.40% 7.45% 7.71%

Profitability

Metric ING WFC Banks Diversified median
Gross margin 100.00% 67.36% 67.18%
Operating margin 0.00% 0.00% 0.00%
Net margin 81.92% 16.78% 18.44%
Free cash flow margin 0.00% 14.88% 1.96%
Return on equity 0.00% 12.97% 11.14%
Return on assets 0.00% 1.01% 0.74%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric ING WFC Banks Diversified median
Revenue growth (TTM) (40.08%) 5.33% 4.67%
EPS growth (last fiscal year) 12.15% 16.57% 18.19%
Revenue growth, 5-year CAGR 18.35% 8.48% 14.34%
Net income growth, 5-year CAGR 29.66% 62.58% 10.77%

Health

Metric ING WFC Banks Diversified median
Debt to equity 2.99 1.00 1.39
Current ratio 1.10 0.90 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ING WFC Banks Diversified median
Dividend yield 4.55% 2.21% 2.18%
Payout ratio 0.64 0.27 0.27

Size

Metric ING WFC Banks Diversified median
Market cap 94.03b 248.06b 205.46b

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