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

NYSE:ING • US4568371037

Current stock price

28.07 USD
+0.12 (+0.43%)
At close:
28.07 USD
0 (0%)
After Hours:

This ING fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. ING Profitability Analysis

1.1 Basic Checks

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

  • The Return On Assets of ING (0.91%) is comparable to the rest of the industry.
  • ING has a better Return On Equity (19.25%) than 97.34% of its industry peers.
Industry RankSector Rank
ROA 0.91%
ROE 19.25%
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 has a Profit Margin (26.39%) which is in line with 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 RankSector Rank
OM N/A
PM (TTM) 26.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.8%
PM growth 5Y14.53%
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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1

2. ING Health Analysis

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.
  • Compared to 1 year ago, ING has a worse debt to assets ratio.
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.
  • ING has a worse Debt to Equity ratio (3.41) than 93.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.91%
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 20B -20B 40B 60B 80B 100B

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 2025 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. ING Growth Analysis

3.1 Past

  • ING shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.50%.
  • The Earnings Per Share has been growing by 27.35% on average over the past years. This is a very strong growth
  • Looking at the last year, ING shows a small growth in Revenue. The Revenue has grown by 1.57% in the last year.
  • The Revenue has been growing slightly by 5.26% on average over the past years.
EPS 1Y (TTM)5.5%
EPS 3Y29%
EPS 5Y27.35%
EPS Q2Q%23.08%
Revenue 1Y (TTM)1.57%
Revenue growth 3Y7.23%
Revenue growth 5Y5.26%
Sales Q2Q%7.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.87% 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 2.95% on average per year.
EPS Next Y11.4%
EPS Next 2Y14%
EPS Next 3Y14.09%
EPS Next 5Y6.87%
Revenue Next Year5.79%
Revenue Next 2Y6.17%
Revenue Next 3Y6.1%
Revenue Next 5Y2.95%

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.
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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5

4. ING Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.09, which indicates a very decent valuation of ING.
  • Based on the Price/Earnings ratio, ING is valued a bit cheaper than 66.49% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.35. ING is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.95, the valuation of ING can be described as very reasonable.
  • ING's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.23, ING is valued rather cheaply.
Industry RankSector Rank
PE 11.09
Fwd PE 9.95
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 0 5 10 15 20

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • ING's earnings are expected to grow with 14.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.97
PEG (5Y)0.41
EPS Next 2Y14%
EPS Next 3Y14.09%

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

7

5. ING Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.24%, ING is a good candidate for dividend investing.
  • ING's Dividend Yield is rather good when compared to the industry average which is at 2.55. ING pays more dividend than 95.74% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, ING pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.24%

5.2 History

  • The dividend of ING is nicely growing with an annual growth rate of 13.72%!
  • 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)13.72%
Div Incr Years4
Div Non Decr Years4
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

  • ING pays out 40.59% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • ING's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.59%
EPS Next 2Y14%
EPS Next 3Y14.09%
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
ING Dividend Payout.ING Dividend Payout, showing the Payout Ratio.ING Dividend Payout.PayoutRetained Earnings

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ING Fundamentals: All Metrics, Ratios and Statistics

ING GROEP N.V.-SPONSORED ADR

NYSE:ING (4/27/2026, 8:04:00 PM)

After market: 28.07 0 (0%)

28.07

+0.12 (+0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners50.3%
Inst Owner Change0.09%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap80.68B
Revenue(TTM)36.27B
Net Income(TTM)9.57B
Analysts77.78
Price Target32.6 (16.14%)
Short Float %0.06%
Short Ratio0.45
Dividend
Industry RankSector Rank
Dividend Yield 5.24%
Yearly Dividend1.55
Dividend Growth(5Y)13.72%
DP40.59%
Div Incr Years4
Div Non Decr Years4
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)0.87%
PT rev (3m)14.58%
EPS NQ rev (1m)-3.55%
EPS NQ rev (3m)-7.62%
EPS NY rev (1m)0.68%
EPS NY rev (3m)0.97%
Revenue NQ rev (1m)-1.09%
Revenue NQ rev (3m)-3.33%
Revenue NY rev (1m)0.38%
Revenue NY rev (3m)0.34%
Valuation
Industry RankSector Rank
PE 11.09
Fwd PE 9.95
P/S 1.89
P/FCF N/A
P/OCF N/A
P/B 1.38
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)2.53
EY9.01%
EPS(NY)2.82
Fwd EY10.06%
FCF(TTM)-2.75
FCFYN/A
OCF(TTM)-2.61
OCFYN/A
SpS14.82
BVpS20.32
TBVpS19.7
PEG (NY)0.97
PEG (5Y)0.41
Graham Number34.0069 (21.15%)
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 19.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.39%
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 3Y11.8%
PM growth 5Y14.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 52.78%
Cap/Sales 0.97%
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
WACC13.91%
ROIC/WACCN/A
Cap/Depr(3y)46.2%
Cap/Depr(5y)38.63%
Cap/Sales(3y)1.27%
Cap/Sales(5y)1.18%
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 Y11.4%
EPS Next 2Y14%
EPS Next 3Y14.09%
EPS Next 5Y6.87%
Revenue 1Y (TTM)1.57%
Revenue growth 3Y7.23%
Revenue growth 5Y5.26%
Sales Q2Q%7.21%
Revenue Next Year5.79%
Revenue Next 2Y6.17%
Revenue Next 3Y6.1%
Revenue Next 5Y2.95%
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 1Y70.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y71.7%
OCF growth 3YN/A
OCF growth 5YN/A

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


What is the profitability of ING stock?

ING GROEP N.V.-SPONSORED ADR (ING) has a profitability rating of 3 / 10.


Can you provide the financial health for ING stock?

The financial health rating of ING GROEP N.V.-SPONSORED ADR (ING) is 1 / 10.


Can you provide the expected EPS growth for ING stock?

The Earnings per Share (EPS) of ING GROEP N.V.-SPONSORED ADR (ING) is expected to grow by 11.4% in the next year.