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

BIT:1INGA • NL0011821202

Current stock price

22.18 EUR
+0.29 (+1.3%)
Last:

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

3

1. 1INGA.MI Profitability Analysis

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.
  • 1INGA had a negative operating cash flow in each of the past 5 years.
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

  • 1INGA has a Return On Assets (0.91%) which is comparable to the rest of the industry.
  • 1INGA's Return On Equity of 19.25% is amongst the best of the industry. 1INGA outperforms 89.19% of its industry peers.
Industry RankSector Rank
ROA 0.91%
ROE 19.25%
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

  • 1INGA has a better Profit Margin (26.39%) than 70.27% 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 RankSector Rank
OM N/A
PM (TTM) 26.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.8%
PM growth 5Y14.53%
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.
  • 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 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

  • A Debt/Equity ratio of 3.41 is on the high side and indicates that 1INGA has dependencies on debt financing.
  • The Debt to Equity ratio of 1INGA (3.41) is worse than 80.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.47%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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

4

3. 1INGA.MI Growth Analysis

3.1 Past

  • 1INGA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.50%.
  • 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 been growing slightly by 1.57% in the past year.
  • 1INGA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.26% yearly.
EPS 1Y (TTM)5.5%
EPS 3Y29%
EPS 5Y27.35%
EPS Q2Q%23.08%
Revenue 1Y (TTM)1.57%
Revenue growth 3Y7.23%
Revenue growth 5Y5.26%
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 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 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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5

4. 1INGA.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • 1INGA is valuated reasonably with a Price/Earnings ratio of 10.51.
  • 1INGA's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, 1INGA is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.44 indicates a reasonable valuation of 1INGA.
  • Based on the Price/Forward Earnings ratio, 1INGA is valued a bit cheaper than 73.87% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.84. 1INGA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.51
Fwd PE 9.44
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 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.
  • A more expensive valuation may be justified as 1INGA's earnings are expected to grow with 13.89% in the coming years.
PEG (NY)0.93
PEG (5Y)0.38
EPS Next 2Y13.86%
EPS Next 3Y13.89%

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

7

5. 1INGA.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.79%, 1INGA is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.83, 1INGA pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, 1INGA pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.79%

5.2 History

  • The dividend of 1INGA is nicely growing with an annual growth rate of 13.72%!
Dividend Growth(5Y)13.72%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 40.59% of the earnings are spent on dividend by 1INGA. 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.
DP40.59%
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
1INGA.MI Dividend Payout.1INGA.MI Dividend Payout, showing the Payout Ratio.1INGA.MI Dividend Payout.PayoutRetained Earnings

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

ING GROEP NV

BIT:1INGA (3/23/2026, 12:34:27 PM)

22.18

+0.29 (+1.3%)

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 Cap64.77B
Revenue(TTM)36.27B
Net Income(TTM)9.57B
Analysts77.78
Price Target27.73 (25.02%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.79%
Yearly Dividend1.29
Dividend Growth(5Y)13.72%
DP40.59%
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)3.57%
EPS NQ rev (3m)-2.31%
EPS NY rev (1m)0.83%
EPS NY rev (3m)-0.17%
Revenue NQ rev (1m)0.79%
Revenue NQ rev (3m)-1.55%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE 10.51
Fwd PE 9.44
P/S 1.77
P/FCF N/A
P/OCF N/A
P/B 1.29
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)2.11
EY9.51%
EPS(NY)2.35
Fwd EY10.59%
FCF(TTM)-2.33
FCFYN/A
OCF(TTM)-2.21
OCFYN/A
SpS12.54
BVpS17.18
TBVpS16.66
PEG (NY)0.93
PEG (5Y)0.38
Graham Number28.56
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 19.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.39%
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 3Y11.8%
PM growth 5Y14.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 52.78%
Cap/Sales 0.97%
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
WACC14.47%
ROIC/WACCN/A
Cap/Depr(3y)46.2%
Cap/Depr(5y)38.63%
Cap/Sales(3y)1.27%
Cap/Sales(5y)1.18%
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)1.57%
Revenue growth 3Y7.23%
Revenue growth 5Y5.26%
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 1Y70.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y71.7%
OCF growth 3YN/A
OCF growth 5YN/A

ING GROEP NV / 1INGA.MI Fundamental Analysis 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 5 / 10 to ING GROEP NV (1INGA.MI). This can be considered as Fairly Valued.


What is the profitability of 1INGA stock?

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 10.51 and the Price/Book (PB) ratio is 1.29.


What is the expected EPS growth for ING GROEP NV (1INGA.MI) stock?

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