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ING vs. SHG: A Head-to-Head Stock Comparison

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Here’s a clear look at ING and SHG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Both ING and SHG are American Depositary Receipts (ADRs). This provides U.S. investors with straightforward access to investing in these foreign-listed companies.

SymbolINGSHG
Company NameING Groep N.V.Shinhan Financial Group Co., Ltd.
CountryNetherlandsSouth Korea
GICS SectorFinancialsFinancials
GICS IndustryBanksBanks
Market Capitalization73.34 billion USD24.49 billion USD
ExchangeNYSENYSE
Listing DateMay 18, 1994September 17, 2003
Security TypeADRADR

Historical Performance

This chart compares the performance of ING and SHG by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

ING vs. SHG: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolINGSHG
5-Day Price Return5.12%0.29%
13-Week Price Return10.62%33.98%
26-Week Price Return30.79%36.88%
52-Week Price Return32.69%1.10%
Month-to-Date Return1.93%2.06%
Year-to-Date Return38.04%45.65%
10-Day Avg. Volume8.38M0.99M
3-Month Avg. Volume9.52M1.40M
3-Month Volatility19.58%35.64%
Beta1.080.77

Profitability

Return on Equity (TTM)

ING

18.77%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

In the upper quartile for the Banks industry, ING’s Return on Equity of 18.77% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

SHG

8.26%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

SHG’s Return on Equity of 8.26% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

ING vs. SHG: A comparison of their Return on Equity (TTM) against the Banks industry benchmark.

Net Profit Margin (TTM)

ING

29.92%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

ING’s Net Profit Margin of 29.92% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

SHG

18.67%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, SHG’s Net Profit Margin of 18.67% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

ING vs. SHG: A comparison of their Net Profit Margin (TTM) against the Banks industry benchmark.

Operating Profit Margin (TTM)

ING

42.36%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

ING’s Operating Profit Margin of 42.36% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

SHG

24.63%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

SHG’s Operating Profit Margin of 24.63% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

ING vs. SHG: A comparison of their Operating Profit Margin (TTM) against the Banks industry benchmark.

Profitability at a Glance

SymbolINGSHG
Return on Equity (TTM)18.77%8.26%
Return on Assets (TTM)0.90%0.62%
Net Profit Margin (TTM)29.92%18.67%
Operating Profit Margin (TTM)42.36%24.63%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

ING

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SHG

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ING vs. SHG: A comparison of their Current Ratio (MRQ) against the Banks industry benchmark.

Debt-to-Equity Ratio (MRQ)

ING

3.41

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

SHG

2.62

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

ING vs. SHG: A comparison of their Debt-to-Equity Ratio (MRQ) against the Banks industry benchmark.

Interest Coverage Ratio (TTM)

ING

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

SHG

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

ING vs. SHG: A comparison of their Interest Coverage Ratio (TTM) against the Banks industry benchmark.

Financial Strength at a Glance

SymbolINGSHG
Current Ratio (MRQ)----
Quick Ratio (MRQ)----
Debt-to-Equity Ratio (MRQ)3.412.62
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

ING vs. SHG: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

ING vs. SHG: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

ING

6.48%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

With a Dividend Yield of 6.48%, ING offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.

SHG

3.84%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

SHG’s Dividend Yield of 3.84% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

ING vs. SHG: A comparison of their Dividend Yield (TTM) against the Banks industry benchmark.

Dividend Payout Ratio (TTM)

ING

65.42%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

ING’s Dividend Payout Ratio of 65.42% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

SHG

27.59%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

SHG’s Dividend Payout Ratio of 27.59% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

ING vs. SHG: A comparison of their Dividend Payout Ratio (TTM) against the Banks industry benchmark.

Dividend at a Glance

SymbolINGSHG
Dividend Yield (TTM)6.48%3.84%
Dividend Payout Ratio (TTM)65.42%27.59%

Valuation

Price-to-Earnings Ratio (TTM)

ING

6.55

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

In the lower quartile for the Banks industry, ING’s P/E Ratio of 6.55 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

SHG

7.19

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

In the lower quartile for the Banks industry, SHG’s P/E Ratio of 7.19 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

ING vs. SHG: A comparison of their Price-to-Earnings Ratio (TTM) against the Banks industry benchmark.

Price-to-Sales Ratio (TTM)

ING

1.96

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

SHG

0.83

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

ING vs. SHG: A comparison of their Price-to-Sales Ratio (TTM) against the Banks industry benchmark.

Price-to-Book Ratio (MRQ)

ING

1.19

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

ING’s P/B Ratio of 1.19 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

SHG

0.42

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

SHG’s P/B Ratio of 0.42 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

ING vs. SHG: A comparison of their Price-to-Book Ratio (MRQ) against the Banks industry benchmark.

Valuation at a Glance

SymbolINGSHG
Price-to-Earnings Ratio (TTM)6.557.19
Price-to-Sales Ratio (TTM)1.960.83
Price-to-Book Ratio (MRQ)1.190.42
Price-to-Free Cash Flow Ratio (TTM)6.002.50