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 395 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. 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.

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

ING had positive earnings in each of the past 5 years.

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

1.2 Ratios

ING's Return On Assets of 0.97% is fine compared to the rest of the industry. ING outperforms 62.53% of its industry peers.

ING has a better Return On Equity (19.58%) than 97.72% 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's Profit Margin of 27.59% is fine compared to the rest of the industry. ING outperforms 74.18% of its industry peers.

ING's Profit Margin has improved in the last couple of years.

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.

ING has less shares outstanding than it did 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

ING has a Debt/Equity ratio of 2.08. This is a high value indicating a heavy dependency on external financing.

ING has a worse Debt to Equity ratio (2.08) than 90.63% of its industry peers.

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

ROIC/WACCN/A

WACC16.32%

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.

Looking at the last year, ING shows a small growth in Revenue. The Revenue has grown by 0.69% in the last 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)-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.

The Revenue is expected to grow by 2.20% on average over the next years.

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.

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 8.88, the valuation of ING can be described as very reasonable.

Based on the Price/Earnings ratio, ING is valued cheaply inside the industry as 85.82% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 26.34. ING is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 7.72, the valuation of ING can be described as very cheap.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ING indicates a somewhat cheap valuation: ING is cheaper than 77.97% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.19. ING is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.88
Fwd PE	7.72

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)0.89

EPS Next 2Y6.95%

EPS Next 3Y9.11%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.30%, ING is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.46, ING pays a better dividend. On top of this ING pays more dividend than 80.51% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.40, ING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.3%

5.2 History

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

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

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 (6/18/2025, 8:04:00 PM)

Premarket: 20.64 -0.14 (-0.67%)

20.78

+0.29 (+1.42%)

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 Change3.76%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap62.26B

Analysts76.15

Price Target23.14 (11.36%)

Short Float %0.12%

Short Ratio1.37

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.3%

Yearly Dividend1.42

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)3.81%

EPS NY rev (1m)0.8%

EPS NY rev (3m)-4.34%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.94%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.06%

Valuation

		Industry Rank	Sector Rank
PE	8.88
Fwd PE	7.72
P/S	1.52
P/FCF	N/A
P/OCF	N/A
P/B	1.08
P/tB	1.11
EV/EBITDA	N/A

EPS(TTM)2.34

EY11.26%

EPS(NY)2.69

Fwd EY12.95%

FCF(TTM)-8.76

FCFYN/A

OCF(TTM)-8.64

OCFYN/A

SpS13.68

BVpS19.27

TBVpS18.76

PEG (NY)N/A

PEG (5Y)0.89

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

WACC16.32%

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