{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "d6293363-6840-4210-99eb-0dbd12c0e02c",
    "symbol": "ING",
    "name": "ING Group NV ADR",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Diversified",
    "chart_url": "https://sharemaestro.com/terminal/d6293363-6840-4210-99eb-0dbd12c0e02c/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "d6293363-6840-4210-99eb-0dbd12c0e02c",
      "symbol": "ING",
      "name": "ING Group NV ADR",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Diversified",
      "chart_url": "https://sharemaestro.com/terminal/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "ING",
    "market_cap": 86634094592.0,
    "market_cap_usd": 85085523969.51,
    "price": 30.209999,
    "currency": "USD",
    "dividend_yield": 0.0426,
    "dividend_years": 24,
    "dividend_growth_5y": 0.04028018,
    "dividend_cut_5y": true,
    "payout_ratio": 0.4798,
    "net_income": 6327000000.0,
    "free_cash_flow": -6731000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 3.60616121,
    "revenue_growth_5y": -0.03077653,
    "net_margin": 0.34228,
    "roe": 0.16565001,
    "pe_ratio": 11.988095,
    "price_vs_ma": 0.0964755,
    "return_3y": 1.86763196,
    "return_5y": 2.18689903,
    "max_drawdown": -0.39995397,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 7.0,
      "business_quality": 21.5,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 73.5,
      "confidence": 92.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency USD differs from financial currency EUR.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid.",
      "Debt to equity is elevated at 3.61."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/",
      "chart": "https://sharemaestro.com/terminal/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 7.0,
    "business_quality": 21.5,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 73.5,
    "confidence": 92.0
  },
  "warnings": [
    "Price currency USD differs from financial currency EUR.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid.",
    "Debt to equity is elevated at 3.61."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend review warning",
      "detail": "Debt to equity is elevated at 3.61.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2026-04-17",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "Dividend increased 9.7%",
      "detail": "Payment changed from 0.802 to 0.88.",
      "amount": 0.88,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2026-04-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.88 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.88,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2025-04-25",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "Dividend increased 386.1%",
      "detail": "Payment changed from 0.165 to 0.802.",
      "amount": 0.802,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2025-04-25",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.802 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.802,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2025-01-13",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "Dividend cut -56.5%",
      "detail": "Payment changed from 0.379 to 0.165.",
      "amount": 0.165,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2025-01-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.165 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.165,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2024-08-08",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "Dividend cut -53.8%",
      "detail": "Payment changed from 0.82 to 0.379.",
      "amount": 0.379,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2024-08-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.379 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.379,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2024-04-24",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "Dividend increased 114.1%",
      "detail": "Payment changed from 0.383 to 0.82.",
      "amount": 0.82,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2024-04-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.82 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.82,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2023-08-11",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "Dividend decreased -6.6%",
      "detail": "Payment changed from 0.41 to 0.383.",
      "amount": 0.383,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2023-08-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.383 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.383,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2023-04-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.41 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.41,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2023-01-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.087 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.087,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2022-08-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.174 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.174,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2022-05-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.245 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.245,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2022-04-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.453 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.453,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    },
    {
      "event_date": "2021-10-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ING",
      "exchange": "NYSE",
      "headline": "ING dividend payment 0.563 USD",
      "detail": "Recorded dividend payment for ING Group NV ADR.",
      "amount": 0.563,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d6293363-6840-4210-99eb-0dbd12c0e02c/"
    }
  ]
}