ING GROEP NV (1INGA.MI) Fundamental Analysis & Valuation

BIT:1INGA • NL0011821202

Current stock price

24.75 EUR
+0.76 (+3.17%)
Last:

This 1INGA.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1INGA.MI Profitability Analysis

1.1 Basic Checks

  • 1INGA had positive earnings in the past year.
  • In the past year 1INGA has reported a negative cash flow from operations.
  • In the past 5 years 1INGA has always been profitable.
  • 1INGA had a negative operating cash flow in each of the past 5 years.
1INGA.MI Yearly Net Income VS EBIT VS OCF VS FCF1INGA.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B 80B 100B

1.2 Ratios

  • The Return On Assets of 1INGA (0.91%) is better than 60.40% of its industry peers.
  • Looking at the Return On Equity, with a value of 19.25%, 1INGA belongs to the top of the industry, outperforming 93.07% of the companies in the same industry.
Industry RankSector Rank
ROA 0.91%
ROE 19.25%
ROIC N/A
ROA(3y)0.66%
ROA(5y)0.57%
ROE(3y)13.22%
ROE(5y)11.17%
ROIC(3y)N/A
ROIC(5y)N/A
1INGA.MI Yearly ROA, ROE, ROIC1INGA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • 1INGA's Profit Margin of 26.39% is fine compared to the rest of the industry. 1INGA outperforms 69.31% of its industry peers.
  • In the last couple of years the Profit Margin of 1INGA has grown nicely.
  • The Operating Margin and Gross Margin are not available for 1INGA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.8%
PM growth 5Y14.53%
GM growth 3YN/A
GM growth 5YN/A
1INGA.MI Yearly Profit, Operating, Gross Margins1INGA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. 1INGA.MI Health Analysis

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
  • 1INGA has a worse debt/assets ratio than last year.
1INGA.MI Yearly Shares Outstanding1INGA.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
1INGA.MI Yearly Total Debt VS Total Assets1INGA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

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 worse Debt to Equity ratio (3.41) than 82.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.22%
1INGA.MI Yearly LT Debt VS Equity VS FCF1INGA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B 80B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1INGA.MI Yearly Current Assets VS Current Liabilites1INGA.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. 1INGA.MI Growth Analysis

3.1 Past

  • 1INGA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.48%, which is quite good.
  • 1INGA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.35% yearly.
  • The Revenue has been growing slightly by 2.14% in the past year.
  • Measured over the past years, 1INGA shows a small growth in Revenue. The Revenue has been growing by 5.26% on average per year.
EPS 1Y (TTM)9.48%
EPS 3Y29%
EPS 5Y27.35%
EPS Q2Q%14.62%
Revenue 1Y (TTM)2.14%
Revenue growth 3Y7.23%
Revenue growth 5Y5.26%
Sales Q2Q%3.37%

3.2 Future

  • 1INGA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.87% yearly.
  • 1INGA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.95% yearly.
EPS Next Y11.4%
EPS Next 2Y14%
EPS Next 3Y14.09%
EPS Next 5Y6.87%
Revenue Next Year5.79%
Revenue Next 2Y6.17%
Revenue Next 3Y6.1%
Revenue Next 5Y2.95%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1INGA.MI Yearly Revenue VS Estimates1INGA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B 25B
1INGA.MI Yearly EPS VS Estimates1INGA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1 2 3

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5

4. 1INGA.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.35, which indicates a very decent valuation of 1INGA.
  • The rest of the industry has a similar Price/Earnings ratio as 1INGA.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, 1INGA is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.03 indicates a reasonable valuation of 1INGA.
  • 1INGA's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1INGA is cheaper than 80.20% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.36, 1INGA is valued rather cheaply.
Industry RankSector Rank
PE 11.35
Fwd PE 9.03
1INGA.MI Price Earnings VS Forward Price Earnings1INGA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1INGA.MI Per share data1INGA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • 1INGA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as 1INGA's earnings are expected to grow with 14.09% in the coming years.
PEG (NY)1
PEG (5Y)0.42
EPS Next 2Y14%
EPS Next 3Y14.09%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 1INGA.MI Dividend Analysis

5.1 Amount

  • 1INGA has a Yearly Dividend Yield of 5.08%, which is a nice return.
  • 1INGA's Dividend Yield is comparable with the industry average which is at 4.51.
  • 1INGA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 5.08%

5.2 History

  • The dividend of 1INGA is nicely growing with an annual growth rate of 13.72%!
Dividend Growth(5Y)13.72%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 40.59% 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.
DP40.59%
EPS Next 2Y14%
EPS Next 3Y14.09%
1INGA.MI Yearly Income VS Free CF VS Dividend1INGA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B 80B 100B
1INGA.MI Dividend Payout.1INGA.MI Dividend Payout, showing the Payout Ratio.1INGA.MI Dividend Payout.PayoutRetained Earnings

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1INGA.MI Fundamentals: All Metrics, Ratios and Statistics

ING GROEP NV

BIT:1INGA (4/30/2026, 7:00:00 PM)

24.75

+0.76 (+3.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength82.43
Industry Growth90.67
Earnings (Last)04-30
Earnings (Next)07-30
Inst Owners50.3%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap72.28B
Revenue(TTM)24.73B
Net Income(TTM)9.57B
Analysts77.78
Price Target27.88 (12.65%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.08%
Yearly Dividend1.29
Dividend Growth(5Y)13.72%
DP40.59%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.49%
Min EPS beat(2)5.18%
Max EPS beat(2)5.81%
EPS beat(4)3
Avg EPS beat(4)4.39%
Min EPS beat(4)-0.07%
Max EPS beat(4)6.63%
EPS beat(8)6
Avg EPS beat(8)4.7%
EPS beat(12)10
Avg EPS beat(12)8.25%
EPS beat(16)12
Avg EPS beat(16)7.06%
Revenue beat(2)1
Avg Revenue beat(2)2.35%
Min Revenue beat(2)-0.07%
Max Revenue beat(2)4.78%
Revenue beat(4)1
Avg Revenue beat(4)0.64%
Min Revenue beat(4)-1.31%
Max Revenue beat(4)4.78%
Revenue beat(8)4
Avg Revenue beat(8)0.46%
Revenue beat(12)6
Avg Revenue beat(12)9.59%
Revenue beat(16)8
Avg Revenue beat(16)20.69%
PT rev (1m)0.56%
PT rev (3m)14.75%
EPS NQ rev (1m)-0.42%
EPS NQ rev (3m)-4.09%
EPS NY rev (1m)0.04%
EPS NY rev (3m)0.87%
Revenue NQ rev (1m)2.69%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.34%
Valuation
Industry RankSector Rank
PE 11.35
Fwd PE 9.03
P/S 1.99
P/FCF N/A
P/OCF N/A
P/B 1.45
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)2.18
EY8.81%
EPS(NY)2.74
Fwd EY11.08%
FCF(TTM)-2.3
FCFYN/A
OCF(TTM)-2.18
OCFYN/A
SpS12.42
BVpS17.02
TBVpS16.5
PEG (NY)1
PEG (5Y)0.42
Graham Number28.8916 (16.73%)
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 19.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.39%
GM N/A
FCFM N/A
ROA(3y)0.66%
ROA(5y)0.57%
ROE(3y)13.22%
ROE(5y)11.17%
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 3Y11.8%
PM growth 5Y14.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 52.78%
Cap/Sales 0.97%
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
WACC14.22%
ROIC/WACCN/A
Cap/Depr(3y)46.2%
Cap/Depr(5y)38.63%
Cap/Sales(3y)1.27%
Cap/Sales(5y)1.18%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.48%
EPS 3Y29%
EPS 5Y27.35%
EPS Q2Q%14.62%
EPS Next Y11.4%
EPS Next 2Y14%
EPS Next 3Y14.09%
EPS Next 5Y6.87%
Revenue 1Y (TTM)2.14%
Revenue growth 3Y7.23%
Revenue growth 5Y5.26%
Sales Q2Q%3.37%
Revenue Next Year5.79%
Revenue Next 2Y6.17%
Revenue Next 3Y6.1%
Revenue Next 5Y2.95%
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 1Y70.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y71.7%
OCF growth 3YN/A
OCF growth 5YN/A

ING GROEP NV / 1INGA.MI Fundamental Analysis FAQ

What is the fundamental rating for 1INGA stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1INGA.MI.


Can you provide the valuation status for ING GROEP NV?

ChartMill assigns a valuation rating of 4 / 10 to ING GROEP NV (1INGA.MI). This can be considered as Fairly Valued.


What is the profitability of 1INGA stock?

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 11.35 and the Price/Book (PB) ratio is 1.45.


What is the expected EPS growth for ING GROEP NV (1INGA.MI) stock?

The Earnings per Share (EPS) of ING GROEP NV (1INGA.MI) is expected to grow by 11.4% in the next year.