Editor's Note: TheStreet ratings do not represent the views of TheStreet's staff or its contributors. Ratings are established by computer based on metrics for performance (which includes growth, stock performance, efficiency and valuation) and risk (volatility and solvency). Companies with poor cash flow or high debt levels tend to earn lower ratings in our model One out of the three major indices are trading up today with the Dow Jones Industrial Average ( ^DJI) trading up 4 points (0.0%) at 14,823 as of Tuesday, April 30, 2013, 12:55 PM ET. The NYSE advances/declines ratio sits at 1,672 issues advancing vs. 1,218 declining with 158 unchanged. The Insurance industry currently sits up 0.2% versus the S&P 500, which is unchanged. TheStreet Ratings group would like to highlight 4 stocks pushing the industry lower today: 4. ING Groep N.V ( ING) is one of the companies pushing the Insurance industry lower today. As of noon trading, ING Groep N.V is down $0.08 (-1.0%) to $8.21 on light volume Thus far, 829,250 shares of ING Groep N.V exchanged hands as compared to its average daily volume of 3.1 million shares. The stock has ranged in price between $8.15-$8.28 after having opened the day at $8.24 as compared to the previous trading day's close of $8.29. ING Groep N.V., a financial services company, provides banking, investment, life insurance, and retirement services. ING Groep N.V has a market cap of $31.1 billion and is part of the financial sector. The company has a P/E ratio of 9.0, below the S&P 500 P/E ratio of 17.7. Shares are down 13.9% year to date as of the close of trading on Monday. TheStreet Ratings rates ING Groep N.V as a sell. The company's weaknesses can be seen in multiple areas, such as its generally high debt management risk, disappointing return on equity, weak operating cash flow and poor profit margins. Get the full ING Groep N.V Ratings Report now. Exclusive Offer: Jim Cramer's 'go-to' small/mid-cap guru Bryan Ashenberg only buys stocks he thinks could return 50-100%. See his top picks for 14-days FREE.