INGA Fundamental Analysis - ING GROEP NV

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to INGA. INGA was compared to 95 industry peers in the Banks industry. Both the profitability and financial health of INGA have multiple concerns. INGA is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

INGA had positive earnings in the past year.

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

In the past 5 years INGA has always been profitable.

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

1.2 Ratios

INGA's Return On Assets of 0.87% is fine compared to the rest of the industry. INGA outperforms 61.05% of its industry peers.

The Return On Equity of INGA (19.34%) is better than 91.58% 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

INGA has a Profit Margin of 26.45%. This is in the better half of the industry: INGA outperforms 74.74% of its industry peers.

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

INGA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

INGA does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, INGA has less shares outstanding

INGA has less shares outstanding than it did 5 years ago.

INGA has a worse debt/assets ratio than last year.

2.2 Solvency

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

The Debt to Equity ratio of INGA (3.41) is worse than 76.84% of its industry peers.

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

ROIC/WACCN/A

WACC16.41%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

INGA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.99%.

Measured over the past years, INGA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.03% on average per year.

Looking at the last year, INGA shows a small growth in Revenue. The Revenue has grown by 1.16% in the last year.

Measured over the past years, INGA shows a small growth in Revenue. The Revenue has been growing by 4.03% on average per year.

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

The Earnings Per Share is expected to grow by 3.71% on average over the next years.

INGA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.94% yearly.

EPS Next Y-0.96%

EPS Next 2Y7.22%

EPS Next 3Y9.74%

EPS Next 5Y3.71%

Revenue Next Year-0.78%

Revenue Next 2Y2.35%

Revenue Next 3Y3.47%

Revenue Next 5Y1.94%

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

A Price/Earnings ratio of 10.13 indicates a reasonable valuation of INGA.

Compared to the rest of the industry, the Price/Earnings ratio of INGA is on the same level as its industry peers.

INGA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.08.

A Price/Forward Earnings ratio of 8.86 indicates a reasonable valuation of INGA.

Compared to the rest of the industry, the Price/Forward Earnings ratio of INGA indicates a somewhat cheap valuation: INGA is cheaper than 70.53% of the companies listed in the same industry.

INGA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.72.

		Industry Rank	Sector Rank
PE	10.13
Fwd PE	8.86

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)1.01

EPS Next 2Y7.22%

EPS Next 3Y9.74%

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5. Dividend

5.1 Amount

INGA has a Yearly Dividend Yield of 4.95%, which is a nice return.

INGA's Dividend Yield is comparable with the industry average which is at 4.83.

Compared to an average S&P500 Dividend Yield of 2.34, INGA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.95%

5.2 History

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

Dividend Growth(5Y)12.43%

Div Incr Years4

Div Non Decr Years4

5.3 Sustainability

42.45% of the earnings are spent on dividend by INGA. This is a bit on the high side, but may be sustainable.

The dividend of INGA 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 NV

AMS:INGA (8/29/2025, 7:00:00 PM)

20.36

-0.22 (-1.07%)

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 ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap60.12B

Analysts76.92

Price Target22.1 (8.55%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.95%

Yearly Dividend1.2

Dividend Growth(5Y)12.43%

DP42.45%

Div Incr Years4

Div Non Decr Years4

Ex-DateN/A

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)5.23%

PT rev (3m)11.45%

EPS NQ rev (1m)-0.2%

EPS NQ rev (3m)-21.5%

EPS NY rev (1m)0.27%

EPS NY rev (3m)0.27%

Revenue NQ rev (1m)0.51%

Revenue NQ rev (3m)-5.21%

Revenue NY rev (1m)0.08%

Revenue NY rev (3m)0.08%

Valuation

		Industry Rank	Sector Rank
PE	10.13
Fwd PE	8.86
P/S	1.67
P/FCF	N/A
P/OCF	N/A
P/B	1.22
P/tB	1.26
EV/EBITDA	N/A

EPS(TTM)2.01

EY9.87%

EPS(NY)2.3

Fwd EY11.29%

FCF(TTM)-6.19

FCFYN/A

OCF(TTM)-6.1

OCFYN/A

SpS12.16

BVpS16.63

TBVpS16.16

PEG (NY)N/A

PEG (5Y)1.01

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

WACC16.41%

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 5Y3.71%

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 5Y1.94%

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 NV (INGA.AS) 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