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

BIT:1INGA - Euronext Milan - NL0011821202 - Common Stock - Currency: EUR

18.824  -0.2 (-1.06%)

Fundamental Rating

3

Overall 1INGA gets a fundamental rating of 3 out of 10. We evaluated 1INGA against 92 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 on the other hand it scores bad on growth. Finally 1INGA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
1INGA had positive earnings in each of the past 5 years.
In the past 5 years 1INGA reported 4 times 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B 80B 100B

1.2 Ratios

1INGA has a Return On Assets of 0.97%. This is in the better half of the industry: 1INGA outperforms 63.04% of its industry peers.
The Return On Equity of 1INGA (19.58%) is better than 91.30% of its industry peers.
Industry RankSector 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
1INGA.MI Yearly ROA, ROE, ROIC1INGA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

1INGA has a Profit Margin of 27.59%. This is in the better half of the industry: 1INGA outperforms 72.83% of its industry peers.
In the last couple of years the Profit Margin of 1INGA has grown nicely.
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) 27.59%
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
1INGA.MI Yearly Profit, Operating, Gross Margins1INGA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

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.
Compared to 1 year ago, 1INGA has a worse debt to assets ratio.
1INGA.MI Yearly Shares Outstanding1INGA.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
1INGA.MI Yearly Total Debt VS Total Assets1INGA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

2.2 Solvency

1INGA has a Debt/Equity ratio of 2.08. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.08, 1INGA is in line with its industry, outperforming 51.09% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.08
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.63%
1INGA.MI Yearly LT Debt VS Equity VS FCF1INGA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B 80B 100B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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2

3. Growth

3.1 Past

1INGA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.78%.
The Earnings Per Share has been growing by 10.03% on average over the past years. This is quite good.
1INGA shows a small growth in Revenue. In the last year, the Revenue has grown by 0.69%.
The Revenue has been growing slightly by 4.03% on average over the past years.
EPS 1Y (TTM)-4.78%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%-2.08%
Revenue 1Y (TTM)0.69%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%0.97%

3.2 Future

The Earnings Per Share is expected to decrease by -0.18% on average over the next years.
The Revenue is expected to decrease by -0.65% on average over the next years.
EPS Next Y-1.22%
EPS Next 2Y6.95%
EPS Next 3Y9.11%
EPS Next 5Y-0.18%
Revenue Next Year-0.86%
Revenue Next 2Y2.04%
Revenue Next 3Y3%
Revenue Next 5Y-0.65%

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 decreasing: in the next years the growth will be less than in the last years.
1INGA.MI Yearly Revenue VS Estimates1INGA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
1INGA.MI Yearly EPS VS Estimates1INGA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.46, the valuation of 1INGA can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as 1INGA.
Compared to an average S&P500 Price/Earnings ratio of 26.25, 1INGA is valued rather cheaply.
1INGA is valuated reasonably with a Price/Forward Earnings ratio of 8.23.
Based on the Price/Forward Earnings ratio, 1INGA is valued a bit cheaper than the industry average as 72.83% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of 1INGA to the average of the S&P500 Index (22.15), we can say 1INGA is valued rather cheaply.
Industry RankSector Rank
PE 9.46
Fwd PE 8.23
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 0 5 -5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.94
EPS Next 2Y6.95%
EPS Next 3Y9.11%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.55%, 1INGA is a good candidate for dividend investing.
1INGA's Dividend Yield is a higher than the industry average which is at 5.03.
Compared to an average S&P500 Dividend Yield of 2.40, 1INGA pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.55%

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 39.38% of its income as dividend. This is a sustainable payout ratio.
DP39.38%
EPS Next 2Y6.95%
EPS Next 3Y9.11%
1INGA.MI Yearly Income VS Free CF VS Dividend1INGA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B 80B 100B
1INGA.MI Dividend Payout.1INGA.MI Dividend Payout, showing the Payout Ratio.1INGA.MI Dividend Payout.PayoutRetained Earnings

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ING GROEP NV

BIT:1INGA (5/26/2025, 7:00:00 PM)

18.824

-0.2 (-1.06%)

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 Cap56.46B
Analysts74.4
Price Target19.87 (5.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.55%
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)1.91%
PT rev (3m)8.71%
EPS NQ rev (1m)0.9%
EPS NQ rev (3m)5.04%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.76%
Revenue NQ rev (1m)0.32%
Revenue NQ rev (3m)0.97%
Revenue NY rev (1m)0.41%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE 9.46
Fwd PE 8.23
P/S 1.58
P/FCF N/A
P/OCF N/A
P/B 1.12
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)1.99
EY10.57%
EPS(NY)2.29
Fwd EY12.15%
FCF(TTM)-7.63
FCFYN/A
OCF(TTM)-7.52
OCFYN/A
SpS11.9
BVpS16.77
TBVpS16.33
PEG (NY)N/A
PEG (5Y)0.94
Profitability
Industry RankSector 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 RankSector 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
WACC16.63%
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)-4.78%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%-2.08%
EPS Next Y-1.22%
EPS Next 2Y6.95%
EPS Next 3Y9.11%
EPS Next 5Y-0.18%
Revenue 1Y (TTM)0.69%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%0.97%
Revenue Next Year-0.86%
Revenue Next 2Y2.04%
Revenue Next 3Y3%
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