` Comparison: ING vs UCG - Alpha Spread

ING
vs
UCG

Over the past 12 months, ING has outperformed UCG, delivering a return of +72% compared to the UCG's +65% growth.

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ING
UCG
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Stocks Compared:
ING UCG
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Valuation Comparison

ING 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
NYSE:ING
28.99 USD
UniCredit SpA
MIL:UCG
72.3 EUR
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Valuation Scenario:
Bear Case
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Bull Case

Growth Comparison

Growth Over Time
ING, UCG

ING
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
ING, UCG

ING
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
NYSE:ING
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

ING
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

ING
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

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

FCF Margin

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

ROE

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

ROA

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

ROIC

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

ROCE

ING
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
ING, UCG

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ING
UCG
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Performance Gap
ING, UCG

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

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ING
UCG
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