` Comparison: INGA vs UCG - Alpha Spread

INGA
vs
UCG

Over the past 12 months, INGA has underperformed UCG, delivering a return of +54% compared to the UCG's +66% growth.

Valuation Growth Profitability Solvency Stocks Performance
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INGA
UCG
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Stocks Compared:
INGA UCG
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Valuation Comparison

INGA Intrinsic Value
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UCG Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
ING Groep NV
AEX:INGA
24.89 EUR
UniCredit SpA
MIL:UCG
74.3 EUR
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Valuation Scenario:
Bear Case
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Bull Case

Growth Comparison

Growth Over Time
INGA, UCG

INGA
UCG
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
ING Groep NV
Revenue
UniCredit SpA
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
INGA, UCG

INGA
UCG
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
ING Groep NV
AEX:INGA
FCF is not applicable for financial companies
UniCredit SpA
MIL:UCG
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

INGA
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
ING Groep NV
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

Operating Margin

INGA
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
ING Groep NV
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

Net Margin

INGA
26.2%
UCG
35.6%
LTM 3Y Avg 5Y Avg 10Y Avg
ING Groep NV
UniCredit SpA

FCF Margin

INGA
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
ING Groep NV
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

ROE

INGA
18.7%
UCG
20.6%
LTM 3Y Avg 5Y Avg 10Y Avg
ING Groep NV
UniCredit SpA

ROA

INGA
0.9%
UCG
1.6%
LTM 3Y Avg 5Y Avg 10Y Avg
ING Groep NV
UniCredit SpA

ROIC

INGA
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
ING Groep NV
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

ROCE

INGA
UCG
LTM 3Y Avg 5Y Avg 10Y Avg
ING Groep NV
Not applicable for financial companies
UniCredit SpA
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
INGA, UCG

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INGA
UCG
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Performance Gap
INGA, UCG

Performance Gap Between INGA and UCG
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Performance By Year
INGA, UCG

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INGA
UCG
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