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 391 industry peers in the Banks industry. ING may be in some trouble as it scores bad on both profitability and health. 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.

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

In the past 5 years ING has always been profitable.

In the past 5 years ING reported 4 times negative operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.87%, ING is in line with its industry, outperforming 51.15% of the companies in the same industry.

ING has a better Return On Equity (19.34%) than 97.95% 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

ING has a better Profit Margin (26.45%) than 66.75% 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.

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.

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

2.2 Solvency

A Debt/Equity ratio of 3.41 is on the high side and indicates that ING has dependencies on debt financing.

With a Debt to Equity ratio value of 3.41, ING is not doing good in the industry: 93.61% of the companies in the same industry are doing better.

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

ROIC/WACCN/A

WACC15.61%

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%.

ING shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.03% yearly.

ING shows a small growth in Revenue. In the last year, the Revenue has grown by 1.16%.

The Revenue has been growing slightly by 4.03% on average over the past years.

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

ING is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.73% yearly.

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-0.96%

EPS Next 2Y7.22%

EPS Next 3Y9.74%

EPS Next 5Y3.73%

Revenue Next Year-0.78%

Revenue Next 2Y2.35%

Revenue Next 3Y3.47%

Revenue Next 5Y1.97%

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

With a Price/Earnings ratio of 10.50, the valuation of ING can be described as very reasonable.

Based on the Price/Earnings ratio, ING is valued cheaply inside the industry as 80.56% of the companies are valued more expensively.

ING's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.

With a Price/Forward Earnings ratio of 9.16, the valuation of ING can be described as very reasonable.

Based on the Price/Forward Earnings ratio, ING is valued a bit cheaper than the industry average as 73.40% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.73. ING is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.5
Fwd PE	9.16

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 2Y7.22%

EPS Next 3Y9.74%

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5. Dividend

5.1 Amount

ING has a Yearly Dividend Yield of 5.07%, which is a nice return.

ING's Dividend Yield is rather good when compared to the industry average which is at 3.56. ING pays more dividend than 84.14% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.45, ING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.07%

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 2Y7.22%

EPS Next 3Y9.74%

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ING GROEP N.V.-SPONSORED ADR

NYSE:ING (9/12/2025, 7:00:00 PM)

After market: 25.4 0 (0%)

25.4

+0.28 (+1.11%)

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 Owners41.67%

Inst Owner Change-0.26%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap74.88B

Analysts76.92

Price Target25.79 (1.54%)

Short Float %0.2%

Short Ratio2.18

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.07%

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)0.13%

PT rev (3m)11.43%

EPS NQ rev (1m)-1.04%

EPS NQ rev (3m)-20.99%

EPS NY rev (1m)-0.19%

EPS NY rev (3m)0.92%

Revenue NQ rev (1m)-0.76%

Revenue NQ rev (3m)-5.21%

Revenue NY rev (1m)0.03%

Revenue NY rev (3m)0.08%

Valuation

		Industry Rank	Sector Rank
PE	10.5
Fwd PE	9.16
P/S	1.78
P/FCF	N/A
P/OCF	N/A
P/B	1.3
P/tB	1.34
EV/EBITDA	N/A

EPS(TTM)2.42

EY9.53%

EPS(NY)2.77

Fwd EY10.91%

FCF(TTM)-7.25

FCFYN/A

OCF(TTM)-7.13

OCFYN/A

SpS14.23

BVpS19.47

TBVpS18.91

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

WACC15.61%

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-0.96%

EPS Next 2Y7.22%

EPS Next 3Y9.74%

EPS Next 5Y3.73%

Revenue 1Y (TTM)1.16%

Revenue growth 3Y6.62%

Revenue growth 5Y4.03%

Sales Q2Q%-0.24%

Revenue Next Year-0.78%

Revenue Next 2Y2.35%

Revenue Next 3Y3.47%

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