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 396 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 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.

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 62.63% of the companies in the same industry.

The Return On Equity of ING (19.58%) is better than 97.73% 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 better Profit Margin (27.59%) than 74.24% 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)	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.

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

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

ING has a Debt to Equity ratio of 2.08. This is amonst the worse of the industry: ING underperforms 90.66% of its industry peers.

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

ROIC/WACCN/A

WACC18.05%

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

The earnings per share for ING have decreased by -4.78% in the last year.

The Earnings Per Share has been growing by 10.03% on average over the past years. This is quite good.

The Revenue has been growing slightly by 0.69% in the past year.

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

The Earnings Per Share is expected to decrease by -0.20% on average over the next years.

Based on estimates for the next years, ING will show a small growth in Revenue. The Revenue will grow by 2.20% on average per year.

EPS Next Y-1.22%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

EPS Next 5Y-0.2%

Revenue Next Year-0.86%

Revenue Next 2Y2.04%

Revenue Next 3Y3%

Revenue Next 5Y2.2%

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 8.78 indicates a reasonable valuation of ING.

ING's Price/Earnings ratio is rather cheap when compared to the industry. ING is cheaper than 87.63% of the companies in the same industry.

When comparing the Price/Earnings ratio of ING to the average of the S&P500 Index (26.31), we can say ING is valued rather cheaply.

ING is valuated cheaply with a Price/Forward Earnings ratio of 7.65.

ING's Price/Forward Earnings ratio is rather cheap when compared to the industry. ING is cheaper than 80.56% of the companies in the same industry.

ING's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.13.

		Industry Rank	Sector Rank
PE	8.78
Fwd PE	7.65

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)0.87

EPS Next 2Y6.95%

EPS Next 3Y9.11%

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5. Dividend

5.1 Amount

ING has a Yearly Dividend Yield of 5.73%, which is a nice return.

ING's Dividend Yield is rather good when compared to the industry average which is at 3.51. ING pays more dividend than 91.41% of the companies in the same industry.

ING's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	5.73%

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

ING pays out 39.38% of its income as dividend. This is a sustainable payout ratio.

DP39.38%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

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ING GROEP N.V.-SPONSORED ADR

NYSE:ING (6/13/2025, 8:11:02 PM)

After market: 20.82 +0.02 (+0.1%)

20.8

-0.37 (-1.75%)

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 Owners49.1%

Inst Owner Change3.76%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap62.32B

Analysts76.15

Price Target23.14 (11.25%)

Short Float %0.12%

Short Ratio1.35

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.73%

Yearly Dividend1.41

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)3.29%

PT rev (3m)20.3%

EPS NQ rev (1m)-2.18%

EPS NQ rev (3m)4.64%

EPS NY rev (1m)0.8%

EPS NY rev (3m)-4.34%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.04%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.06%

Valuation

		Industry Rank	Sector Rank
PE	8.78
Fwd PE	7.65
P/S	1.51
P/FCF	N/A
P/OCF	N/A
P/B	1.07
P/tB	1.1
EV/EBITDA	N/A

EPS(TTM)2.37

EY11.39%

EPS(NY)2.72

Fwd EY13.07%

FCF(TTM)-8.85

FCFYN/A

OCF(TTM)-8.72

OCFYN/A

SpS13.82

BVpS19.47

TBVpS18.95

PEG (NY)N/A

PEG (5Y)0.87

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

WACC18.05%

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 5Y-0.2%

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 5Y2.2%

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