ING Fundamental Analysis - ING GROEP N.V.-SPONSORED ADR

Fundamental Rating

Taking everything into account, ING scores 3 out of 10 in our fundamental rating. ING was compared to 394 industry peers in the Banks industry. ING may be in some trouble as it scores bad on both profitability and health. ING has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally ING also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year ING was profitable.

ING had a negative operating cash flow in the past year.

Each year in the past 5 years ING has been profitable.

ING had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 0.97%, ING is doing good in the industry, outperforming 62.44% of the companies in the same industry.

ING's Return On Equity of 19.58% is amongst the best of the industry. ING outperforms 97.46% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

ING has a Profit Margin of 27.59%. This is in the better half of the industry: ING outperforms 74.11% 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.

ING has less shares outstanding than it did 5 years ago.

ING has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 2.08 is on the high side and indicates that ING has dependencies on debt financing.

ING's Debt to Equity ratio of 2.08 is on the low side compared to the rest of the industry. ING is outperformed by 90.61% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.08
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC15.9%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ING shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.78%.

Measured over the past years, ING shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.03% on average per year.

ING 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

ING is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.69% yearly.

The Revenue is expected to grow by 2.01% on average over the next years.

EPS Next Y-1.22%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

EPS Next 5Y3.69%

Revenue Next Year-0.86%

Revenue Next 2Y2.04%

Revenue Next 3Y3%

Revenue Next 5Y2.01%

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 decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.62, the valuation of ING can be described as reasonable.

ING's Price/Earnings ratio is rather cheap when compared to the industry. ING is cheaper than 87.82% of the companies in the same industry.

ING's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.48.

A Price/Forward Earnings ratio of 8.38 indicates a reasonable valuation of ING.

Based on the Price/Forward Earnings ratio, ING is valued a bit cheaper than the industry average as 79.95% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 36.52. ING is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.62
Fwd PE	8.38

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.96

EPS Next 2Y6.95%

EPS Next 3Y9.11%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.37%, ING is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.31, ING pays a better dividend. On top of this ING pays more dividend than 90.36% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.34, ING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.37%

5.2 History

The dividend of ING is nicely growing with an annual growth rate of 12.43%!

ING has paid a dividend for at least 10 years, which is 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

5.3 Sustainability

39.38% of the earnings are spent on dividend by ING. This is a low number and sustainable payout ratio.

ING's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP39.38%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

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ING GROEP N.V.-SPONSORED ADR

NYSE:ING (7/18/2025, 12:05:45 PM)

22.905

+0.18 (+0.77%)

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 Owners41.67%

Inst Owner Change0%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap68.22B

Analysts76.15

Price Target23.35 (1.94%)

Short Float %0.16%

Short Ratio2.08

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.37%

Yearly Dividend1.45

Dividend Growth(5Y)12.43%

DP39.38%

Div Incr Years3

Div Non Decr Years3

Ex-Date04-25 2025-04-25 (0.801899)

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)0.16%

Revenue beat(12)7

Avg Revenue beat(12)18.1%

Revenue beat(16)11

Avg Revenue beat(16)28.85%

PT rev (1m)0.91%

PT rev (3m)9.36%

EPS NQ rev (1m)-1.58%

EPS NQ rev (3m)1.77%

EPS NY rev (1m)0.61%

EPS NY rev (3m)-2.11%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.85%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.06%

Valuation

		Industry Rank	Sector Rank
PE	9.62
Fwd PE	8.38
P/S	1.65
P/FCF	N/A
P/OCF	N/A
P/B	1.17
P/tB	1.2
EV/EBITDA	N/A

EPS(TTM)2.38

EY10.39%

EPS(NY)2.73

Fwd EY11.93%

FCF(TTM)-8.89

FCFYN/A

OCF(TTM)-8.76

OCFYN/A

SpS13.88

BVpS19.56

TBVpS19.04

PEG (NY)N/A

PEG (5Y)0.96

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC15.9%

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 5Y3.69%

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 5Y2.01%

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

ING GROEP N.V.-SPONSORED ADR (ING) 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

More info and screens