ING GROEP NV (1INGA.MI) Stock Fundamental Analysis
Europe - BIT:1INGA - NL0011821202 - Common Stock
20.985 EUR
+0.42 (+2.04%)
Overall 1INGA gets a fundamental rating of 3 out of 10. We evaluated 1INGA against 95 industry peers in the Banks industry. Both the profitability and financial health of 1INGA have multiple concerns. 1INGA is valued correctly, but it does not seem to be growing.
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 the better half of the industry, outperforming 62.11% of the companies in the same industry.
1INGA's Return On Equity of 19.34% is amongst the best of the industry. 1INGA outperforms 92.63% 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
Looking at the Profit Margin, with a value of 26.45%, 1INGA is in the better half of the industry, outperforming 73.68% of the companies in the same industry.
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.
The number of shares outstanding for 1INGA has been reduced compared to 1 year ago.
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
A Debt/Equity ratio of 3.41 is on the high side and indicates that 1INGA has dependencies on debt financing.
With a Debt to Equity ratio value of 3.41, 1INGA is not doing good in the industry: 73.68% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.28%
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 -1.82% 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%.
Measured over the past years, 1INGA shows a small growth in Revenue. The Revenue has been growing by 4.03% on average per year.
EPS 1Y (TTM)-1.82%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%2.13%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%0.43%
3.2 Future
The Earnings Per Share is expected to grow by 6.53% on average over the next years.
1INGA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.08% yearly.
EPS Next Y-0.45%
EPS Next 2Y7.93%
EPS Next 3Y10.12%
EPS Next 5Y6.53%
Revenue Next Year-0.53%
Revenue Next 2Y2.63%
Revenue Next 3Y3.61%
Revenue Next 5Y3.08%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.39, the valuation of 1INGA can be described as very reasonable.
1INGA's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.03, 1INGA is valued rather cheaply.
The Price/Forward Earnings ratio is 9.01, which indicates a very decent valuation of 1INGA.
Based on the Price/Forward Earnings ratio, 1INGA is valued cheaper than 82.11% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1INGA to the average of the S&P500 Index (22.27), we can say 1INGA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.39 | ||
| Fwd PE | 9.01 |
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)1.04
EPS Next 2Y7.93%
EPS Next 3Y10.12%
5. Dividend
5.1 Amount
1INGA has a Yearly Dividend Yield of 4.79%, which is a nice return.
Compared to an average industry Dividend Yield of 4.84, 1INGA has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, 1INGA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.79% |
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
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 2Y7.93%
EPS Next 3Y10.12%
BIT:1INGA (10/29/2025, 4:17:48 PM)
20.985
+0.42 (+2.04%)
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 Cap61.39B
Revenue(TTM)35.90B
Net Income(TTM)9.50B
Analysts78.46
Price Target22.66 (7.98%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.79% |
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)1.22%
PT rev (3m)8.08%
EPS NQ rev (1m)27.27%
EPS NQ rev (3m)31.98%
EPS NY rev (1m)0%
EPS NY rev (3m)0.78%
Revenue NQ rev (1m)0.8%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.39 | ||
| Fwd PE | 9.01 | ||
| P/S | 1.71 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.25 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.02
EY9.63%
EPS(NY)2.33
Fwd EY11.1%
FCF(TTM)-6.25
FCFYN/A
OCF(TTM)-6.15
OCFYN/A
SpS12.28
BVpS16.79
TBVpS16.31
PEG (NY)N/A
PEG (5Y)1.04
Graham Number27.62
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
WACC16.28%
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)-1.82%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%2.13%
EPS Next Y-0.45%
EPS Next 2Y7.93%
EPS Next 3Y10.12%
EPS Next 5Y6.53%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%0.43%
Revenue Next Year-0.53%
Revenue Next 2Y2.63%
Revenue Next 3Y3.61%
Revenue Next 5Y3.08%
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 10.39 and the Price/Book (PB) ratio is 1.25.
Is the dividend of ING GROEP NV sustainable?
The dividend rating of ING GROEP NV (1INGA.MI) is 6 / 10 and the dividend payout ratio is 42.45%.