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

BIT:1INGA • NL0011821202

23.8 EUR
-2.36 (-9.02%)
Last: Feb 13, 2026, 05:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, 1INGA scores 3 out of 10 in our fundamental rating. 1INGA was compared to 114 industry peers in the Banks industry. Both the profitability and financial health of 1INGA have multiple concerns. 1INGA is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year 1INGA was profitable.
  • Each year in the past 5 years 1INGA has 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 72.81% of its industry peers.
  • The Return On Equity of 1INGA (25.55%) is better than 96.49% of its industry peers.
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

  • 1INGA has a Profit Margin of 27.14%. This is in the better half of the industry: 1INGA outperforms 69.30% of its industry peers.
  • 1INGA's Profit Margin has improved in the last couple of years.
  • 1INGA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
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.
  • 1INGA has a worse Debt to Equity ratio (3.41) than 79.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.06%
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. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.50% over the past year.
  • 1INGA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.35% yearly.
  • 1INGA shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.03%.
  • 1INGA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.78% yearly.
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

  • 1INGA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.91% yearly.
  • 1INGA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.02% yearly.
EPS Next Y10.44%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
EPS Next 5Y6.91%
Revenue Next Year6.3%
Revenue Next 2Y6.11%
Revenue Next 3Y6.37%
Revenue Next 5Y4.02%

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 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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.28, the valuation of 1INGA can be described as very reasonable.
  • 1INGA's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.67. 1INGA is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.21, the valuation of 1INGA can be described as reasonable.
  • 1INGA's Price/Forward Earnings is on the same level as the industry average.
  • 1INGA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 11.28
Fwd PE 10.21
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • 1INGA's earnings are expected to grow with 12.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.08
PEG (5Y)0.41
EPS Next 2Y13.26%
EPS Next 3Y12.77%

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

6

5. Dividend

5.1 Amount

  • 1INGA has a Yearly Dividend Yield of 5.02%, which is a nice return.
  • 1INGA's Dividend Yield is a higher than the industry average which is at 4.12.
  • Compared to an average S&P500 Dividend Yield of 1.80, 1INGA pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.02%

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

  • The dividend of 1INGA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
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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Find the best dividend stocksShow peers with best dividend

ING GROEP NV

BIT:1INGA (2/13/2026, 5:25:04 PM)

23.8

-2.36 (-9.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners50.26%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap69.00B
Revenue(TTM)46.78B
Net Income(TTM)12.70B
Analysts77.69
Price Target26.39 (10.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.02%
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)10.79%
PT rev (3m)16.46%
EPS NQ rev (1m)-9.46%
EPS NQ rev (3m)-10.91%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-0.24%
Revenue NQ rev (1m)-2.76%
Revenue NQ rev (3m)-3.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.43%
Valuation
Industry RankSector Rank
PE 11.28
Fwd PE 10.21
P/S 1.47
P/FCF N/A
P/OCF N/A
P/B 1.39
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)2.11
EY8.87%
EPS(NY)2.33
Fwd EY9.79%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS16.14
BVpS17.14
TBVpS16.62
PEG (NY)1.08
PEG (5Y)0.41
Graham Number28.53
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
WACC16.06%
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 Y10.44%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
EPS Next 5Y6.91%
Revenue 1Y (TTM)31.03%
Revenue growth 3Y4.72%
Revenue growth 5Y3.78%
Sales Q2Q%7.21%
Revenue Next Year6.3%
Revenue Next 2Y6.11%
Revenue Next 3Y6.37%
Revenue Next 5Y4.02%
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 10.44% in the next year.