1INGA Fundamental Analysis - ING GROEP NV

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to 1INGA. 1INGA was compared to 111 industry peers in the Banks industry. Both the profitability and financial health of 1INGA have multiple concerns. 1INGA is valued expensive and it does not seem to be growing. 1INGA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year 1INGA was profitable.
1INGA had a negative operating cash flow in the past year.
In the past 5 years 1INGA has always been profitable.
1INGA had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

1INGA's Return On Assets of 0.87% is in line compared to the rest of the industry. 1INGA outperforms 58.56% of its industry peers.
1INGA has a Return On Equity of 19.34%. This is amongst the best in the industry. 1INGA outperforms 89.19% 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

The Profit Margin of 1INGA (26.45%) is better than 72.97% 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)	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

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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
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.
1INGA has a Debt to Equity ratio of 3.41. This is in the lower half of the industry: 1INGA underperforms 78.38% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.41
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC16.1%

2.3 Liquidity

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

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WACC

Debt/Equity

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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 -1.94%.
The Earnings Per Share has been growing by 10.03% on average over the past years. This is quite good.
Looking at the last year, 1INGA shows a small growth in Revenue. The Revenue has grown by 0.93% in the last year.
The Revenue has been growing slightly by 4.03% on average over the past years.

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

Based on estimates for the next years, 1INGA will show a small growth in Earnings Per Share. The EPS will grow by 6.63% on average per year.
The Revenue is expected to grow by 3.18% on average over the next years.

EPS Next Y1.81%

EPS Next 2Y8.36%

EPS Next 3Y10.38%

EPS Next 5Y6.63%

Revenue Next Year-0.13%

Revenue Next 2Y3.03%

Revenue Next 3Y3.99%

Revenue Next 5Y3.18%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.36, 1INGA is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of 1INGA is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.38. 1INGA is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.64 indicates a reasonable valuation of 1INGA.
Based on the Price/Forward Earnings ratio, 1INGA is valued a bit cheaper than 67.57% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1INGA to the average of the S&P500 Index (24.29), we can say 1INGA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.36
Fwd PE	10.64

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 1INGA does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)6.84

PEG (5Y)1.23

EPS Next 2Y8.36%

EPS Next 3Y10.38%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.11%, 1INGA is a good candidate for dividend investing.
1INGA's Dividend Yield is a higher than the industry average which is at 4.03.
Compared to an average S&P500 Dividend Yield of 1.85, 1INGA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.11%

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.
The dividend of 1INGA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP42.45%

EPS Next 2Y8.36%

EPS Next 3Y10.38%

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ING GROEP NV

BIT:1INGA (1/15/2026, 7:00:00 PM)

24.975

+0.39 (+1.59%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-30 2025-10-30/bmo

Earnings (Next)01-29 2026-01-29/amc

Inst Owners50.26%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap72.60B

Revenue(TTM)35.90B

Net Income(TTM)9.50B

Analysts77.69

Price Target23.52 (-5.83%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.11%

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)-1.23%

PT rev (3m)4.36%

EPS NQ rev (1m)14.87%

EPS NQ rev (3m)33.2%

EPS NY rev (1m)-0.5%

EPS NY rev (3m)2.27%

Revenue NQ rev (1m)2.16%

Revenue NQ rev (3m)2.14%

Revenue NY rev (1m)-0.16%

Revenue NY rev (3m)0.4%

Valuation

		Industry Rank	Sector Rank
PE	12.36
Fwd PE	10.64
P/S	2.02
P/FCF	N/A
P/OCF	N/A
P/B	1.48
P/tB	1.52
EV/EBITDA	N/A

EPS(TTM)2.02

EY8.09%

EPS(NY)2.35

Fwd EY9.4%

FCF(TTM)-6.29

FCFYN/A

OCF(TTM)-6.19

OCFYN/A

SpS12.35

BVpS16.9

TBVpS16.41

PEG (NY)6.84

PEG (5Y)1.23

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

WACC16.1%

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 Y1.81%

EPS Next 2Y8.36%

EPS Next 3Y10.38%

EPS Next 5Y6.63%

Revenue 1Y (TTM)0.93%

Revenue growth 3Y6.62%

Revenue growth 5Y4.03%

Sales Q2Q%-0.19%

Revenue Next Year-0.13%

Revenue Next 2Y3.03%

Revenue Next 3Y3.99%

Revenue Next 5Y3.18%

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.

Can you provide the valuation status for ING GROEP NV?

ChartMill assigns a valuation rating of 3 / 10 to ING GROEP NV (1INGA.MI). This can be considered as Overvalued.

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 1.81% in the next year.

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

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ING GROEP NV / 1INGA.MI FAQ

What is the fundamental rating for 1INGA stock?

Can you provide the valuation status for ING GROEP NV?

Can you provide the profitability details for ING GROEP NV?

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

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