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ING vs LYG

ING
ING Groep N.V.
NEUTRAL
Price
$28.10
Market Cap
$80.74B
Sector
Financial Services
AI Confidence
85%
LYG
Lloyds Banking Group plc
NEUTRAL
Price
$5.25
Market Cap
$76.68B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ING
11.33
LYG
14.19
Forward P/E
ING
9.06
LYG
9.87
P/B Ratio
ING
1.29
LYG
5.58
P/S Ratio
ING
3.3
LYG
4.12
EV/EBITDA
ING
--
LYG
--

Profitability

Gross Margin
ING
0.0%
LYG
0.0%
Operating Margin
ING
62.82%
LYG
40.63%
Profit Margin
ING
34.03%
LYG
25.01%
ROE
ING
15.77%
LYG
10.15%
ROA
ING
0.83%
LYG
0.51%

Growth

Revenue Growth
ING
118.2%
LYG
14.4%
Earnings Growth
ING
3977.7%
LYG
146.4%

Financial Health

Debt/Equity
ING
--
LYG
--
Current Ratio
ING
--
LYG
--
Quick Ratio
ING
--
LYG
--

Dividends

Dividend Yield
ING
4.5%
LYG
3.75%
Payout Ratio
ING
49.56%
LYG
48.38%

AI Verdict

ING NEUTRAL

ING presents a stark contrast between deep value and deteriorating fundamental health. While the stock trades significantly below its Graham Number ($34.91) and Intrinsic Value ($73.16), the Piotroski F-Score of 2/9 indicates weak financial health and operational deterioration. Despite anomalous YoY growth figures and a strong dividend profile, the bearish technical trend (0/100) and low insider sentiment suggest caution. The valuation is attractive, but the fundamental health score acts as a significant drag on a bullish rating.

Strengths
Trading at a discount to Graham Number ($34.91) and Intrinsic Value ($73.16)
Strong dividend yield of 4.50% with a sustainable payout ratio of 49.56%
Low Forward P/E of 9.06 suggesting attractive earnings pricing
Risks
Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Bearish technical trend (0/100) suggesting strong downward momentum
Low insider sentiment (40/100) indicating lack of internal confidence
LYG NEUTRAL

LYG presents a stark contrast between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades at a significant premium to its Graham Number ($2.80), it remains below its growth-based intrinsic value of $10.91. Massive YoY earnings growth (146.4%) and a healthy dividend payout provide a bullish catalyst, but these are offset by a bearish technical trend (0/100) and poor internal health metrics. The overall outlook is neutral as the growth trajectory battles fundamental instability.

Strengths
Exceptional YoY earnings growth of 146.40%
Strong revenue growth (14.40% YoY, 10.42% Q/Q)
Sustainable dividend payout ratio of 48.38%
Risks
Critically low Piotroski F-Score (2/9) indicating weak financial health
Bearish technical trend (0/100) suggesting immediate downward pressure
High Price-to-Book ratio (5.58) compared to typical regional bank valuations

Compare Another Pair

ING vs LYG: Head-to-Head Comparison

This page compares ING Groep N.V. (ING) and Lloyds Banking Group plc (LYG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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