ING GROEP NV(BIT:1INGA) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to 1INGA. 1INGA was compared to 95 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 it does not seem to be growing. Finally 1INGA also has an excellent dividend rating.

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1. Profitability

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.

In the past 5 years 1INGA reported 4 times negative operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.97%, 1INGA is in the better half of the industry, outperforming 66.32% of the companies in the same industry.

Looking at the Return On Equity, with a value of 19.58%, 1INGA belongs to the top of the industry, outperforming 93.68% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.97%
ROE	19.58%
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's Profit Margin of 27.59% is fine compared to the rest of the industry. 1INGA outperforms 75.79% 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)	27.59%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

The number of shares outstanding for 1INGA has been reduced compared to 5 years ago.

The debt/assets ratio for 1INGA is higher compared to a year ago.

2.2 Solvency

1INGA has a Debt/Equity ratio of 2.08. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.08, 1INGA perfoms like the industry average, outperforming 50.53% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.08
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC16.91%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

1INGA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.62%.

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 0.51%.

1INGA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.03% yearly.

EPS 1Y (TTM)-6.62%

EPS 3Y17.91%

EPS 5Y10.03%

EPS Q2Q%-10.05%

Revenue 1Y (TTM)0.51%

Revenue growth 3Y6.62%

Revenue growth 5Y4.03%

Sales Q2Q%-6.42%

3.2 Future

Based on estimates for the next years, 1INGA will show a decrease in Earnings Per Share. The EPS will decrease by -0.18% on average per year.

1INGA is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.65% yearly.

EPS Next Y-1.22%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

EPS Next 5Y-0.18%

Revenue Next Year-1.27%

Revenue Next 2Y1.88%

Revenue Next 3Y2.89%

Revenue Next 5Y-0.65%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.69 indicates a reasonable valuation of 1INGA.

Based on the Price/Earnings ratio, 1INGA is valued a bit cheaper than the industry average as 61.05% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 28.10, 1INGA is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 7.41, the valuation of 1INGA can be described as very cheap.

Based on the Price/Forward Earnings ratio, 1INGA is valued cheaply inside the industry as 83.16% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.74, 1INGA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.69
Fwd PE	7.41

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.87

EPS Next 2Y6.95%

EPS Next 3Y9.11%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.23%, 1INGA is a good candidate for dividend investing.

1INGA's Dividend Yield is a higher than the industry average which is at 5.30.

Compared to an average S&P500 Dividend Yield of 2.43, 1INGA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.23%

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

39.38% of the earnings are spent on dividend by 1INGA. This is a low number and sustainable payout ratio.

DP39.38%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

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ING GROEP NV

BIT:1INGA (4/28/2025, 7:00:00 PM)

16.95

+0.33 (+1.97%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-02 2025-05-02/bmo

Earnings (Next)07-31 2025-07-31/bmo

Inst Owners49.1%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap51.19B

Analysts74.4

Price Target19.63 (15.81%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.23%

Yearly Dividend1.2

Dividend Growth(5Y)12.43%

DP39.38%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.53%

Min EPS beat(2)-4.62%

Max EPS beat(2)9.69%

EPS beat(4)3

Avg EPS beat(4)5.02%

Min EPS beat(4)-4.62%

Max EPS beat(4)9.69%

EPS beat(8)7

Avg EPS beat(8)10.18%

EPS beat(12)9

Avg EPS beat(12)7.96%

EPS beat(16)12

Avg EPS beat(16)9%

Revenue beat(2)1

Avg Revenue beat(2)-0.62%

Min Revenue beat(2)-2.65%

Max Revenue beat(2)1.41%

Revenue beat(4)3

Avg Revenue beat(4)0.27%

Min Revenue beat(4)-2.65%

Max Revenue beat(4)2%

Revenue beat(8)5

Avg Revenue beat(8)14.07%

Revenue beat(12)7

Avg Revenue beat(12)27.37%

Revenue beat(16)11

Avg Revenue beat(16)35.8%

PT rev (1m)6.02%

PT rev (3m)7.38%

EPS NQ rev (1m)4.8%

EPS NQ rev (3m)5.04%

EPS NY rev (1m)-1.17%

EPS NY rev (3m)-5.76%

Revenue NQ rev (1m)0.94%

Revenue NQ rev (3m)0.97%

Revenue NY rev (1m)-0.35%

Revenue NY rev (3m)-0.16%

Valuation

		Industry Rank	Sector Rank
PE	8.69
Fwd PE	7.41
P/S	1.43
P/FCF	N/A
P/OCF	N/A
P/B	1.02
P/tB	1.05
EV/EBITDA	N/A

EPS(TTM)1.95

EY11.5%

EPS(NY)2.29

Fwd EY13.5%

FCF(TTM)-7.57

FCFYN/A

OCF(TTM)-7.46

OCFYN/A

SpS11.82

BVpS16.66

TBVpS16.22

PEG (NY)N/A

PEG (5Y)0.87

Profitability

		Industry Rank	Sector Rank
ROA	0.97%
ROE	19.58%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.59%
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

ROICexcg growth 3YN/A

ROICexcg 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	2.08
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	49.33%
Cap/Sales	0.93%
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

WACC16.91%

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)-6.62%

EPS 3Y17.91%

EPS 5Y10.03%

EPS Q2Q%-10.05%

EPS Next Y-1.22%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

EPS Next 5Y-0.18%

Revenue 1Y (TTM)0.51%

Revenue growth 3Y6.62%

Revenue growth 5Y4.03%

Sales Q2Q%-6.42%

Revenue Next Year-1.27%

Revenue Next 2Y1.88%

Revenue Next 3Y2.89%

Revenue Next 5Y-0.65%

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 1Y-97.45%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-98.8%

OCF growth 3YN/A

OCF growth 5YN/A

ING GROEP NV (1INGA.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens