ING GROEP N.V.-SPONSORED ADR (ING) Fundamental Analysis & Valuation

NYSE:ING • US4568371037

Current stock price

25.14 USD
-0.8 (-3.08%)
At close:
25.14 USD
0 (0%)
After Hours:

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

3

1. ING Profitability Analysis

1.1 Basic Checks

  • ING had positive earnings in the past year.
  • Each year in the past 5 years ING has been profitable.
  • In the past 5 years ING always reported negative operating cash flow.
ING Yearly Net Income VS EBIT VS OCF VS FCFING 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 ING (1.20%) is better than 76.38% of its industry peers.
  • Looking at the Return On Equity, with a value of 25.55%, ING belongs to the top of the industry, outperforming 99.21% 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
ING Yearly ROA, ROE, ROICING Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • ING has a Profit Margin of 27.14%. This is in the better half of the industry: ING outperforms 63.25% of its industry peers.
  • ING's Profit Margin has improved in the last couple of years.
  • ING 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
ING Yearly Profit, Operating, Gross MarginsING 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. ING Health Analysis

2.1 Basic Checks

  • ING does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for ING has been reduced compared to 1 year ago.
  • Compared to 5 years ago, ING has less shares outstanding
  • The debt/assets ratio for ING is higher compared to a year ago.
ING Yearly Shares OutstandingING Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
ING Yearly Total Debt VS Total AssetsING 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 ING has dependencies on debt financing.
  • ING has a Debt to Equity ratio of 3.41. This is amonst the worse of the industry: ING underperforms 93.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16%
ING Yearly LT Debt VS Equity VS FCFING 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
ING Yearly Current Assets VS Current LiabilitesING 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. ING Growth Analysis

3.1 Past

  • ING shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.50%.
  • Measured over the past years, ING 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!
  • ING 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

  • The Earnings Per Share is expected to grow by 7.01% on average over the next years.
  • ING is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.90% yearly.
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
ING Yearly Revenue VS EstimatesING 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
ING Yearly EPS VS EstimatesING 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. ING Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.06, the valuation of ING can be described as very reasonable.
  • ING's Price/Earnings ratio is a bit cheaper when compared to the industry. ING is cheaper than 68.77% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.73, ING is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.04, the valuation of ING can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ING indicates a somewhat cheap valuation: ING is cheaper than 62.99% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.72. ING is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.06
Fwd PE 9.04
ING Price Earnings VS Forward Price EarningsING 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
ING Per share dataING EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • ING'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 ING's earnings are expected to grow with 13.89% in the coming years.
PEG (NY)0.89
PEG (5Y)0.37
EPS Next 2Y13.86%
EPS Next 3Y13.89%

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

7

5. ING Dividend Analysis

5.1 Amount

  • ING has a Yearly Dividend Yield of 5.50%, which is a nice return.
  • ING's Dividend Yield is rather good when compared to the industry average which is at 2.90. ING pays more dividend than 90.29% of the companies in the same industry.
  • ING's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 5.5%

5.2 History

  • The dividend of ING is nicely growing with an annual growth rate of 12.43%!
  • ING has been paying a dividend for at least 10 years, so it has a reliable track record.
  • ING has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)12.43%
Div Incr Years3
Div Non Decr Years3
ING Yearly Dividends per shareING Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • ING'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%
ING Yearly Income VS Free CF VS DividendING 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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ING Fundamentals: All Metrics, Ratios and Statistics

ING GROEP N.V.-SPONSORED ADR

NYSE:ING (3/20/2026, 4:54:59 PM)

After market: 25.14 0 (0%)

25.14

-0.8 (-3.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners49.71%
Inst Owner Change-4.07%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap72.83B
Revenue(TTM)46.78B
Net Income(TTM)12.70B
Analysts77.78
Price Target32.31 (28.52%)
Short Float %0.06%
Short Ratio0.56
Dividend
Industry RankSector Rank
Dividend Yield 5.5%
Yearly Dividend1.42
Dividend Growth(5Y)12.43%
DP0%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-17
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)0.32%
Revenue beat(16)8
Avg Revenue beat(16)13.74%
PT rev (1m)2.03%
PT rev (3m)16.24%
EPS NQ rev (1m)3.57%
EPS NQ rev (3m)-1.17%
EPS NY rev (1m)0.83%
EPS NY rev (3m)1%
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 10.06
Fwd PE 9.04
P/S 1.36
P/FCF N/A
P/OCF N/A
P/B 1.28
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)2.5
EY9.94%
EPS(NY)2.78
Fwd EY11.06%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS18.55
BVpS19.71
TBVpS19.11
PEG (NY)0.89
PEG (5Y)0.37
Graham Number33.3
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%
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 N.V.-SPONSORED ADR / ING Fundamental Analysis FAQ

What is the fundamental rating for ING stock?

ChartMill assigns a fundamental rating of 3 / 10 to ING.


Can you provide the valuation status for ING GROEP N.V.-SPONSORED ADR?

ChartMill assigns a valuation rating of 5 / 10 to ING GROEP N.V.-SPONSORED ADR (ING). This can be considered as Fairly Valued.


How profitable is ING GROEP N.V.-SPONSORED ADR (ING) stock?

ING GROEP N.V.-SPONSORED ADR (ING) has a profitability rating of 3 / 10.


What is the financial health of ING GROEP N.V.-SPONSORED ADR (ING) stock?

The financial health rating of ING GROEP N.V.-SPONSORED ADR (ING) is 1 / 10.


Can you provide the dividend sustainability for ING stock?

The dividend rating of ING GROEP N.V.-SPONSORED ADR (ING) is 7 / 10 and the dividend payout ratio is 0%.