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ING vs MRSH

ING
ING Groep N.V.
NEUTRAL
Price
$28.10
Market Cap
$80.74B
Sector
Financial Services
AI Confidence
85%
MRSH
Marsh & McLennan Companies, Inc.
NEUTRAL
Price
$170.83
Market Cap
$82.3B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ING
11.33
MRSH
21.38
Forward P/E
ING
9.06
MRSH
15.1
P/B Ratio
ING
1.29
MRSH
5.65
P/S Ratio
ING
3.3
MRSH
2.99
EV/EBITDA
ING
--
MRSH
13.55

Profitability

Gross Margin
ING
0.0%
MRSH
43.85%
Operating Margin
ING
62.82%
MRSH
24.34%
Profit Margin
ING
34.03%
MRSH
14.26%
ROE
ING
15.77%
MRSH
27.57%
ROA
ING
0.83%
MRSH
7.27%

Growth

Revenue Growth
ING
118.2%
MRSH
7.6%
Earnings Growth
ING
3977.7%
MRSH
-15.4%

Financial Health

Debt/Equity
ING
--
MRSH
1.52
Current Ratio
ING
--
MRSH
1.11
Quick Ratio
ING
--
MRSH
0.51

Dividends

Dividend Yield
ING
4.5%
MRSH
2.11%
Payout Ratio
ING
49.56%
MRSH
43.94%

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
MRSH NEUTRAL

MRSH demonstrates stable operational health with a Piotroski F-Score of 6/9 and a strong ROE of 27.57%, yet it trades at a massive premium to its Graham Number ($73.7) and Intrinsic Value ($55.93). While the company has an exceptional 25-quarter track record of beating earnings estimates, recent YoY earnings growth has contracted by 15.4%. Bearish insider activity, specifically from the CEO, and a 0/100 technical trend suggest significant short-term headwinds despite a 'Buy' analyst consensus. The stock is a high-quality business currently suffering from a valuation disconnect and decelerating earnings momentum.

Strengths
Exceptional earnings track record with beats in nearly all of the last 25 quarters
Strong profitability with an ROE of 27.57% and Operating Margin of 24.34%
Stable financial health as indicated by a Piotroski F-Score of 6/9
Risks
Severe overvaluation relative to Graham Number ($73.7) and Intrinsic Value ($55.93)
Negative earnings growth (-15.4% YoY and -17.0% Q/Q)
Bearish insider sentiment with multiple sales by the CEO and officers

Compare Another Pair

ING vs MRSH: Head-to-Head Comparison

This page compares ING Groep N.V. (ING) and Marsh & McLennan Companies, Inc. (MRSH) 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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