ING GROEP NV (1INGA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1INGA - NL0011821202 - Common Stock
22.705 EUR
-0.08 (-0.33%)
Taking everything into account, 1INGA scores 3 out of 10 in our fundamental rating. 1INGA was compared to 102 industry peers in the Banks industry. 1INGA may be in some trouble as it scores bad on both profitability and health. 1INGA has a valuation in line with the averages, but on the other hand it scores bad on growth. 1INGA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year 1INGA was profitable.
1INGA had a negative operating cash flow in the past year.
Each year in the past 5 years 1INGA has been profitable.
1INGA had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.87%, 1INGA is in line with its industry, outperforming 58.41% of the companies in the same industry.
With an excellent Return On Equity value of 19.34%, 1INGA belongs to the best of the industry, outperforming 90.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 19.34% | ||
| ROIC | N/A |
ROA(3y)0.58%
ROA(5y)0.5%
ROE(3y)11.43%
ROE(5y)9.54%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of 1INGA (26.45%) is better than 69.91% of its industry peers.
1INGA's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for 1INGA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.45% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.36%
PM growth 5Y1.88%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1INGA does not have a ROIC to compare to the WACC, probably because it is not profitable.
1INGA has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1INGA has less shares outstanding
The debt/assets ratio for 1INGA is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 3.41 is on the high side and indicates that 1INGA has dependencies on debt financing.
1INGA has a Debt to Equity ratio of 3.41. This is in the lower half of the industry: 1INGA underperforms 75.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for 1INGA have decreased by -1.94% in the last year.
1INGA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.03% yearly.
1INGA shows a small growth in Revenue. In the last year, the Revenue has grown by 0.93%.
The Revenue has been growing slightly by 4.03% on average over the past years.
EPS 1Y (TTM)-1.94%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%1.69%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
3.2 Future
Based on estimates for the next years, 1INGA will show a small growth in Earnings Per Share. The EPS will grow by 6.94% on average per year.
1INGA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.47% yearly.
EPS Next Y2.32%
EPS Next 2Y8.48%
EPS Next 3Y10.46%
EPS Next 5Y6.94%
Revenue Next Year0.03%
Revenue Next 2Y3.07%
Revenue Next 3Y3.99%
Revenue Next 5Y3.47%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.24, the valuation of 1INGA can be described as very reasonable.
1INGA's Price/Earnings is on the same level as the industry average.
1INGA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.92.
With a Price/Forward Earnings ratio of 9.65, the valuation of 1INGA can be described as very reasonable.
79.65% of the companies in the same industry are more expensive than 1INGA, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.46. 1INGA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1INGA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.84
PEG (5Y)1.12
EPS Next 2Y8.48%
EPS Next 3Y10.46%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.51%, 1INGA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.31, 1INGA pays a bit more dividend than its industry peers.
1INGA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
5.2 History
On average, the dividend of 1INGA grows each year by 12.43%, which is quite nice.
Dividend Growth(5Y)12.43%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
42.45% of the earnings are spent on dividend by 1INGA. This is a bit on the high side, but may be sustainable.
The dividend of 1INGA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.45%
EPS Next 2Y8.48%
EPS Next 3Y10.46%
BIT:1INGA (12/4/2025, 7:00:00 PM)
22.705
-0.08 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.03%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap66.00B
Revenue(TTM)35.90B
Net Income(TTM)9.50B
Analysts77.69
Price Target23.81 (4.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
Yearly Dividend1.2
Dividend Growth(5Y)12.43%
DP42.45%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.28%
Min EPS beat(2)-0.07%
Max EPS beat(2)6.63%
EPS beat(4)2
Avg EPS beat(4)2.91%
Min EPS beat(4)-4.62%
Max EPS beat(4)9.69%
EPS beat(8)6
Avg EPS beat(8)3.78%
EPS beat(12)8
Avg EPS beat(12)5.41%
EPS beat(16)11
Avg EPS beat(16)5.9%
Revenue beat(2)0
Avg Revenue beat(2)-1.07%
Min Revenue beat(2)-1.31%
Max Revenue beat(2)-0.83%
Revenue beat(4)1
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-2.65%
Max Revenue beat(4)1.41%
Revenue beat(8)3
Avg Revenue beat(8)-0.71%
Revenue beat(12)6
Avg Revenue beat(12)17.47%
Revenue beat(16)9
Avg Revenue beat(16)27.87%
PT rev (1m)5.12%
PT rev (3m)7.49%
EPS NQ rev (1m)14.87%
EPS NQ rev (3m)32.02%
EPS NY rev (1m)0.54%
EPS NY rev (3m)3.31%
Revenue NQ rev (1m)2.16%
Revenue NQ rev (3m)2.14%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)0.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.65 | ||
| P/S | 1.84 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.34 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.02
EY8.9%
EPS(NY)2.35
Fwd EY10.37%
FCF(TTM)-6.29
FCFYN/A
OCF(TTM)-6.19
OCFYN/A
SpS12.35
BVpS16.9
TBVpS16.41
PEG (NY)4.84
PEG (5Y)1.12
Graham Number27.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 19.34% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.45% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.58%
ROA(5y)0.5%
ROE(3y)11.43%
ROE(5y)9.54%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.36%
PM growth 5Y1.88%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 42.26% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score2
WACC16.34%
ROIC/WACCN/A
Cap/Depr(3y)39.44%
Cap/Depr(5y)35%
Cap/Sales(3y)1.18%
Cap/Sales(5y)1.19%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1.94%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%1.69%
EPS Next Y2.32%
EPS Next 2Y8.48%
EPS Next 3Y10.46%
EPS Next 5Y6.94%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
Revenue Next Year0.03%
Revenue Next 2Y3.07%
Revenue Next 3Y3.99%
Revenue Next 5Y3.47%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.79%
OCF growth 3YN/A
OCF growth 5YN/A
ING GROEP NV / 1INGA.MI FAQ
What is the fundamental rating for 1INGA stock?
ChartMill assigns a fundamental rating of 3 / 10 to 1INGA.MI.
What is the valuation status of ING GROEP NV (1INGA.MI) stock?
ChartMill assigns a valuation rating of 4 / 10 to ING GROEP NV (1INGA.MI). This can be considered as Fairly Valued.
Can you provide the profitability details for ING GROEP NV?
ING GROEP NV (1INGA.MI) has a profitability rating of 3 / 10.
What is the valuation of ING GROEP NV based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ING GROEP NV (1INGA.MI) is 11.24 and the Price/Book (PB) ratio is 1.34.
Is the dividend of ING GROEP NV sustainable?
The dividend rating of ING GROEP NV (1INGA.MI) is 7 / 10 and the dividend payout ratio is 42.45%.