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 108 industry peers in the Banks industry. Both the profitability and financial health of 1INGA have multiple concerns. 1INGA has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally 1INGA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year 1INGA was profitable.
In the past year 1INGA has reported a negative cash flow from operations.
1INGA had positive earnings in each of the past 5 years.
1INGA had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.87%, 1INGA perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
1INGA has a Return On Equity of 19.34%. This is amongst the best in the industry. 1INGA outperforms 89.81% of its industry peers.
| 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
1INGA has a better Profit Margin (26.45%) than 70.37% of its industry peers.
In the last couple of years the Profit Margin of 1INGA has grown nicely.
1INGA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
Compared to 1 year ago, 1INGA has less shares outstanding
1INGA has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 1INGA has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 3.41 is on the high side and indicates that 1INGA has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.41, 1INGA is doing worse than 75.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.3%
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.
Measured over the past years, 1INGA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.03% on average per year.
Looking at the last year, 1INGA shows a small growth in Revenue. The Revenue has grown by 0.93% in the last year.
1INGA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.03% yearly.
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
The Earnings Per Share is expected to grow by 6.94% on average over the next years.
Based on estimates for the next years, 1INGA will show a small growth in Revenue. The Revenue will grow by 3.47% on average per year.
EPS Next Y1.78%
EPS Next 2Y8.07%
EPS Next 3Y10.03%
EPS Next 5Y6.94%
Revenue Next Year-0.4%
Revenue Next 2Y2.82%
Revenue Next 3Y3.75%
Revenue Next 5Y3.47%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
The average S&P500 Price/Earnings ratio is at 26.41. 1INGA is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.72, the valuation of 1INGA can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1INGA indicates a somewhat cheap valuation: 1INGA is cheaper than 72.22% of the companies listed in the same industry.
1INGA is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.40, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.72 |
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 an expensive valuation of the company.
PEG (NY)6.33
PEG (5Y)1.12
EPS Next 2Y8.07%
EPS Next 3Y10.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.71%, 1INGA is a good candidate for dividend investing.
1INGA's Dividend Yield is a higher than the industry average which is at 4.70.
1INGA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
5.2 History
The dividend of 1INGA is nicely growing with an annual growth rate of 12.43%!
Dividend Growth(5Y)12.43%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1INGA pays out 42.45% of its income as dividend. This is a bit on the high side, but may be sustainable.
1INGA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.45%
EPS Next 2Y8.07%
EPS Next 3Y10.03%
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 Owners49.52%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap66.00B
Revenue(TTM)35.90B
Net Income(TTM)9.50B
Analysts78.46
Price Target23.51 (3.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
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)4.32%
PT rev (3m)6.45%
EPS NQ rev (1m)14.87%
EPS NQ rev (3m)32.02%
EPS NY rev (1m)2.23%
EPS NY rev (3m)2.76%
Revenue NQ rev (1m)2.16%
Revenue NQ rev (3m)2.14%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.72 | ||
| 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)2.34
Fwd EY10.29%
FCF(TTM)-6.29
FCFYN/A
OCF(TTM)-6.19
OCFYN/A
SpS12.35
BVpS16.9
TBVpS16.41
PEG (NY)6.33
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
WACC16.3%
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 Y1.78%
EPS Next 2Y8.07%
EPS Next 3Y10.03%
EPS Next 5Y6.94%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
Revenue Next Year-0.4%
Revenue Next 2Y2.82%
Revenue Next 3Y3.75%
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%.