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

NYSE:ING • US4568371037

29.23 USD
+0.2 (+0.69%)
At close: Feb 18, 2026
29.23 USD
0 (0%)
After Hours: 2/18/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, ING scores 3 out of 10 in our fundamental rating. ING was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of ING have multiple concerns. ING has a correct valuation and a medium growth rate. Finally ING also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • ING had positive earnings in the past year.
  • Each year in the past 5 years ING has been profitable.
  • ING had a negative operating cash flow in each of the past 5 years.
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

  • With a decent Return On Assets value of 1.20%, ING is doing good in the industry, outperforming 75.59% of the companies in the same industry.
  • With an excellent Return On Equity value of 25.55%, ING belongs to the best of the industry, outperforming 99.74% 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's Profit Margin of 27.14% is fine compared to the rest of the industry. ING outperforms 65.62% 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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
  • ING has less shares outstanding than it did 5 years ago.
  • ING has a worse debt/assets ratio than last year.
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

  • ING has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 3.41, ING is not doing good in the industry: 92.91% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.59%
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. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.50% over the past year.
  • The Earnings Per Share has been growing by 27.35% on average over the past years. This is a very strong growth
  • The Revenue has grown by 31.03% in the past year. This is a very strong growth!
  • The Revenue has been growing slightly by 3.78% on average over the past years.
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 6.52% 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 3.64% yearly.
EPS Next Y10.44%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
EPS Next 5Y6.52%
Revenue Next Year6.3%
Revenue Next 2Y6.11%
Revenue Next 3Y6.37%
Revenue Next 5Y3.64%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.37, the valuation of ING can be described as reasonable.
  • ING's Price/Earnings ratio is a bit cheaper when compared to the industry. ING is cheaper than 70.60% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.27. ING is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 10.30, the valuation of ING can be described as very reasonable.
  • ING's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ING is cheaper than 65.62% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.16, ING is valued rather cheaply.
Industry RankSector Rank
PE 11.37
Fwd PE 10.3
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 20

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as ING's earnings are expected to grow with 12.77% in the coming years.
PEG (NY)1.09
PEG (5Y)0.42
EPS Next 2Y13.26%
EPS Next 3Y12.77%

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

7

5. Dividend

5.1 Amount

  • ING has a Yearly Dividend Yield of 5.13%, which is a nice return.
  • ING's Dividend Yield is rather good when compared to the industry average which is at 2.78. ING pays more dividend than 88.71% of the companies in the same industry.
  • ING's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 5.13%

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
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

  • The dividend of ING is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
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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Find the best dividend stocksShow peers with best dividend

ING GROEP N.V.-SPONSORED ADR

NYSE:ING (2/18/2026, 8:04:00 PM)

After market: 29.23 0 (0%)

29.23

+0.2 (+0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners50.26%
Inst Owner Change-2.74%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap84.68B
Revenue(TTM)46.78B
Net Income(TTM)12.70B
Analysts77.04
Price Target31.67 (8.35%)
Short Float %0.09%
Short Ratio1.07
Dividend
Industry RankSector Rank
Dividend Yield 5.13%
Yearly Dividend1.47
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)13.42%
PT rev (3m)19.09%
EPS NQ rev (1m)-4.58%
EPS NQ rev (3m)-5.99%
EPS NY rev (1m)0.38%
EPS NY rev (3m)1.05%
Revenue NQ rev (1m)-2.32%
Revenue NQ rev (3m)-3.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.43%
Valuation
Industry RankSector Rank
PE 11.37
Fwd PE 10.3
P/S 1.53
P/FCF N/A
P/OCF N/A
P/B 1.44
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)2.57
EY8.79%
EPS(NY)2.84
Fwd EY9.71%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS19.1
BVpS20.29
TBVpS19.67
PEG (NY)1.09
PEG (5Y)0.42
Graham Number34.25
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
WACC15.59%
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 Y10.44%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
EPS Next 5Y6.52%
Revenue 1Y (TTM)31.03%
Revenue growth 3Y4.72%
Revenue growth 5Y3.78%
Sales Q2Q%7.21%
Revenue Next Year6.3%
Revenue Next 2Y6.11%
Revenue Next 3Y6.37%
Revenue Next 5Y3.64%
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 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%.