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

Fundamental Rating

ING gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. Both the profitability and financial health of ING have multiple concerns. ING is valued correctly, but it does not seem to be growing. ING also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

ING had positive earnings in the past year.

In the past year ING has reported a negative cash flow from operations.

In the past 5 years ING has always been profitable.

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

1.2 Ratios

ING has a Return On Assets of 0.87%. This is comparable to the rest of the industry: ING outperforms 51.02% of its industry peers.

ING has a Return On Equity of 19.34%. This is amongst the best in the industry. ING outperforms 98.21% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.87%
ROE	19.34%
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

The Profit Margin of ING (26.45%) is better than 66.84% of its industry peers.

In the last couple of years the Profit Margin of ING has grown nicely.

The Operating Margin and Gross Margin are not available for ING so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.45%
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.

Compared to 1 year ago, ING has less shares outstanding

The number of shares outstanding for ING has been reduced compared to 5 years ago.

The debt/assets ratio for ING is higher compared to a year ago.

2.2 Solvency

ING has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 3.41, ING is doing worse than 93.88% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	3.41
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC15.6%

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 -0.99%.

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.

The Revenue has been growing slightly by 1.16% in the past year.

Measured over the past years, ING shows a small growth in Revenue. The Revenue has been growing by 4.03% on average per year.

EPS 1Y (TTM)-0.99%

EPS 3Y17.91%

EPS 5Y10.03%

EPS Q2Q%3.7%

Revenue 1Y (TTM)1.16%

Revenue growth 3Y6.62%

Revenue growth 5Y4.03%

Sales Q2Q%-0.24%

3.2 Future

The Earnings Per Share is expected to grow by 3.73% 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 1.97% yearly.

EPS Next Y-0.45%

EPS Next 2Y7.93%

EPS Next 3Y10.12%

EPS Next 5Y3.73%

Revenue Next Year-0.53%

Revenue Next 2Y2.63%

Revenue Next 3Y3.61%

Revenue Next 5Y1.97%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.57 indicates a reasonable valuation of ING.

70.41% of the companies in the same industry are more expensive than ING, based on the Price/Earnings ratio.

ING is valuated cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 9.12 indicates a reasonable valuation of ING.

65.82% of the companies in the same industry are more expensive than ING, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, ING is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.57
Fwd PE	9.12

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)1.05

EPS Next 2Y7.93%

EPS Next 3Y10.12%

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5. Dividend

5.1 Amount

ING has a Yearly Dividend Yield of 4.81%, which is a nice return.

ING's Dividend Yield is rather good when compared to the industry average which is at 3.52. ING pays more dividend than 82.40% of the companies in the same industry.

ING's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	4.81%

5.2 History

On average, the dividend of ING grows each year by 12.43%, which is quite nice.

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

5.3 Sustainability

42.45% of the earnings are spent on dividend by ING. This is a bit on the high side, but may be sustainable.

The dividend of ING is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP42.45%

EPS Next 2Y7.93%

EPS Next 3Y10.12%

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ING GROEP N.V.-SPONSORED ADR

NYSE:ING (10/3/2025, 8:04:00 PM)

After market: 25.78 0 (0%)

25.78

-0.02 (-0.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/bmo

Earnings (Next)10-30 2025-10-30/bmo

Inst Owners49.52%

Inst Owner Change-0.26%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap76.00B

Analysts76.92

Price Target26.22 (1.71%)

Short Float %0.18%

Short Ratio1.97

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.81%

Yearly Dividend1.45

Dividend Growth(5Y)12.43%

DP42.45%

Div Incr Years3

Div Non Decr Years3

Ex-Date08-11 2025-08-11 (0.405048)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.28%

Min EPS beat(2)-0.07%

Max EPS beat(2)6.63%

EPS beat(4)2

Avg EPS beat(4)2.91%

Min EPS beat(4)-4.62%

Max EPS beat(4)9.69%

EPS beat(8)6

Avg EPS beat(8)3.78%

EPS beat(12)8

Avg EPS beat(12)5.41%

EPS beat(16)11

Avg EPS beat(16)5.9%

Revenue beat(2)0

Avg Revenue beat(2)-1.07%

Min Revenue beat(2)-1.31%

Max Revenue beat(2)-0.83%

Revenue beat(4)1

Avg Revenue beat(4)-0.85%

Min Revenue beat(4)-2.65%

Max Revenue beat(4)1.41%

Revenue beat(8)3

Avg Revenue beat(8)-0.71%

Revenue beat(12)6

Avg Revenue beat(12)8.2%

Revenue beat(16)9

Avg Revenue beat(16)20.92%

PT rev (1m)1.69%

PT rev (3m)12.3%

EPS NQ rev (1m)-0.89%

EPS NQ rev (3m)-21.69%

EPS NY rev (1m)0.51%

EPS NY rev (3m)1.44%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-5.21%

Revenue NY rev (1m)0.26%

Revenue NY rev (3m)0.34%

Valuation

		Industry Rank	Sector Rank
PE	10.57
Fwd PE	9.12
P/S	1.8
P/FCF	N/A
P/OCF	N/A
P/B	1.32
P/tB	1.36
EV/EBITDA	N/A

EPS(TTM)2.44

EY9.46%

EPS(NY)2.83

Fwd EY10.96%

FCF(TTM)-7.29

FCFYN/A

OCF(TTM)-7.18

OCFYN/A

SpS14.32

BVpS19.58

TBVpS19.02

PEG (NY)N/A

PEG (5Y)1.05

Profitability

		Industry Rank	Sector Rank
ROA	0.87%
ROE	19.34%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.45%
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	3.41
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	42.26%
Cap/Sales	0.79%
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

WACC15.6%

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)-0.99%

EPS 3Y17.91%

EPS 5Y10.03%

EPS Q2Q%3.7%

EPS Next Y-0.45%

EPS Next 2Y7.93%

EPS Next 3Y10.12%

EPS Next 5Y3.73%

Revenue 1Y (TTM)1.16%

Revenue growth 3Y6.62%

Revenue growth 5Y4.03%

Sales Q2Q%-0.24%

Revenue Next Year-0.53%

Revenue Next 2Y2.63%

Revenue Next 3Y3.61%

Revenue Next 5Y1.97%

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 1Y38.27%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y38.79%

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