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

BIT:1INGA • NL0011821202

23.915 EUR
-0.66 (-2.69%)
Last: Mar 2, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1INGA. 1INGA was compared to 116 industry peers in the Banks industry. Both the profitability and financial health of 1INGA have multiple concerns. 1INGA has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. 1INGA.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1INGA was profitable.
  • In the past 5 years 1INGA has always been profitable.
  • In the past 5 years 1INGA always reported negative operating cash flow.
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 (1.20%) is better than 72.41% of its industry peers.
  • Looking at the Return On Equity, with a value of 25.55%, 1INGA belongs to the top of the industry, outperforming 95.69% of the companies in the same industry.
Industry RankSector Rank
ROA 1.2%
ROE 25.55%
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

  • Looking at the Profit Margin, with a value of 27.14%, 1INGA is in the better half of the industry, outperforming 68.97% 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 RankSector Rank
OM N/A
PM (TTM) 27.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.48%
PM growth 5Y16.17%
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

  • 1INGA has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of 1INGA (3.41) is worse than 81.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.26%
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 50B 100B 150B

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 10B 20B 30B 40B 50B

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

5

3. 1INGA.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.50% over the past year.
  • Measured over the past years, 1INGA shows a very strong growth in Earnings Per Share. The EPS has been growing by 27.35% on average per year.
  • The Revenue has grown by 31.03% in the past year. This is a very strong growth!
  • Measured over the past years, 1INGA shows a small growth in Revenue. The Revenue has been growing by 3.78% on average per year.
EPS 1Y (TTM)5.5%
EPS 3Y29%
EPS 5Y27.35%
EPS Q2Q%23.08%
Revenue 1Y (TTM)31.03%
Revenue growth 3Y4.72%
Revenue growth 5Y3.78%
Sales Q2Q%7.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.01% on average over the next years.
  • The Revenue is expected to grow by 3.90% on average over the next years.
EPS Next Y11.35%
EPS Next 2Y13.86%
EPS Next 3Y13.89%
EPS Next 5Y7.01%
Revenue Next Year5.38%
Revenue Next 2Y6.05%
Revenue Next 3Y6.06%
Revenue Next 5Y3.9%

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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same 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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4

4. 1INGA.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.33 indicates a reasonable valuation of 1INGA.
  • The rest of the industry has a similar Price/Earnings ratio as 1INGA.
  • 1INGA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
  • With a Price/Forward Earnings ratio of 10.18, the valuation of 1INGA can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1INGA is on the same level as its industry peers.
  • 1INGA is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.60, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.33
Fwd PE 10.18
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 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.
  • 1INGA's earnings are expected to grow with 13.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)1
PEG (5Y)0.41
EPS Next 2Y13.86%
EPS Next 3Y13.89%

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

6

5. 1INGA.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.46%, 1INGA is a good candidate for dividend investing.
  • 1INGA's Dividend Yield is a higher than the industry average which is at 4.56.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1INGA pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.46%

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's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y13.86%
EPS Next 3Y13.89%
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

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

ING GROEP NV

BIT:1INGA (3/2/2026, 7:00:00 PM)

23.915

-0.66 (-2.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners49.71%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap69.28B
Revenue(TTM)46.78B
Net Income(TTM)12.70B
Analysts77.78
Price Target27.73 (15.95%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.46%
Yearly Dividend1.2
Dividend Growth(5Y)12.43%
DP0%
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)5.08%
PT rev (3m)16.43%
EPS NQ rev (1m)7.72%
EPS NQ rev (3m)-2.48%
EPS NY rev (1m)0.83%
EPS NY rev (3m)-0.17%
Revenue NQ rev (1m)1.14%
Revenue NQ rev (3m)-1.65%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE 11.33
Fwd PE 10.18
P/S 1.48
P/FCF N/A
P/OCF N/A
P/B 1.39
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)2.11
EY8.82%
EPS(NY)2.35
Fwd EY9.82%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS16.15
BVpS17.15
TBVpS16.63
PEG (NY)1
PEG (5Y)0.41
Graham Number28.54
Profitability
Industry RankSector Rank
ROA 1.2%
ROE 25.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.14%
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 3Y14.48%
PM growth 5Y16.17%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC16.26%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.5%
EPS 3Y29%
EPS 5Y27.35%
EPS Q2Q%23.08%
EPS Next Y11.35%
EPS Next 2Y13.86%
EPS Next 3Y13.89%
EPS Next 5Y7.01%
Revenue 1Y (TTM)31.03%
Revenue growth 3Y4.72%
Revenue growth 5Y3.78%
Sales Q2Q%7.21%
Revenue Next Year5.38%
Revenue Next 2Y6.05%
Revenue Next 3Y6.06%
Revenue Next 5Y3.9%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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.


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.


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 financial health of ING GROEP NV (1INGA.MI) stock?

The financial health rating of ING GROEP NV (1INGA.MI) is 1 / 10.


Can you provide the expected EPS growth for 1INGA stock?

The Earnings per Share (EPS) of ING GROEP NV (1INGA.MI) is expected to grow by 11.35% in the next year.