Dividend compounder review

ING

ING Group NV ADR · NYSE · US

Financial Services · Banks - Diversified

Score73.50/100
Confidence92.00/100
DecisionReject
RatingAcceptable, Needs Review
Scoring

Quality breakdown

Dividend Reliability 16.5 / 25 Payment history, cuts, growth, and regularity.
Dividend Sustainability 7.0 / 20 Payout, free cash flow, dividend cover, and debt.
Business Quality 21.5 / 25 Scale, cash generation, growth, margins, and returns.
Valuation Discipline 15.0 / 15 Yield, P/E, and price stretch versus long-term trend.
Long-Term Trend 13.5 / 15 Trend line, long return history, and drawdown control.
Metrics

Dividend and business context

Dividend Years24
Dividend Yield4.26%
Payout Ratio48.0%
Dividend Cut 5YYes
Net Income$6.3B
Free Cash Flow$-6.7B
FCF Covers DividendNo
Debt / Equity3.61
P/E12.0
Revenue Growth 5Y-3.1%
Net Margin34.2%
ROE16.6%
Price vs Trend9.6%
3Y Return186.8%
5Y Return218.7%
CurrencyUSD
Warnings

Review flags

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.
Dividend diary

Activity record

ING dividend review warning Warning · Warning

Debt to equity is elevated at 3.61.

Dividend increased 9.7% Dividend Increase · Positive

Payment changed from 0.802 to 0.88.

ING dividend payment 0.88 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

Dividend increased 386.1% Dividend Increase · Positive

Payment changed from 0.165 to 0.802.

ING dividend payment 0.802 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

Dividend cut -56.5% Dividend Cut · Negative

Payment changed from 0.379 to 0.165.

ING dividend payment 0.165 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

Dividend cut -53.8% Dividend Cut · Negative

Payment changed from 0.82 to 0.379.

ING dividend payment 0.379 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

Dividend increased 114.1% Dividend Increase · Positive

Payment changed from 0.383 to 0.82.

ING dividend payment 0.82 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

Dividend decreased -6.6% Dividend Decrease · Negative

Payment changed from 0.41 to 0.383.

ING dividend payment 0.383 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

ING dividend payment 0.41 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

ING dividend payment 0.087 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

ING dividend payment 0.174 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

ING dividend payment 0.245 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

ING dividend payment 0.453 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.

ING dividend payment 0.563 USD Dividend Payment · Info

Recorded dividend payment for ING Group NV ADR.