INGA Fundamental Analysis - ING GROEP NV

Fundamental Rating

INGA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 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. Finally INGA also has an excellent dividend rating.

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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.

INGA had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of INGA (0.87%) is better than 61.70% of its industry peers.

Looking at the Return On Equity, with a value of 19.34%, INGA belongs to the top of the industry, outperforming 93.62% of the companies in the same industry.

		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

The Profit Margin of INGA (26.45%) is better than 75.53% of its industry peers.

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

The Operating Margin and Gross Margin are not available for INGA so they could not be analyzed.

		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.

The number of shares outstanding for INGA has been reduced compared to 1 year ago.

Compared to 5 years ago, INGA has less shares outstanding

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.

Looking at the Debt to Equity ratio, with a value of 3.41, INGA is doing worse than 76.60% of the companies in the same industry.

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

ROIC/WACCN/A

WACC16.48%

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%.

INGA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.03% yearly.

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

INGA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.03% yearly.

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 6.53% on average over the next years.

Based on estimates for the next years, INGA will show a small growth in Revenue. The Revenue will grow by 3.08% on average per year.

EPS Next Y-0.45%

EPS Next 2Y7.93%

EPS Next 3Y10.12%

EPS Next 5Y6.53%

Revenue Next Year-0.53%

Revenue Next 2Y2.63%

Revenue Next 3Y3.61%

Revenue Next 5Y3.08%

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

The Price/Earnings ratio is 10.19, which indicates a very decent valuation of INGA.

INGA's Price/Earnings ratio is in line with the industry average.

INGA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.

The Price/Forward Earnings ratio is 8.80, which indicates a very decent valuation of INGA.

INGA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. INGA is cheaper than 75.53% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, INGA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.19
Fwd PE	8.8

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)1.02

EPS Next 2Y7.93%

EPS Next 3Y10.12%

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5. Dividend

5.1 Amount

INGA has a Yearly Dividend Yield of 8.16%, which is a nice return.

INGA's Dividend Yield is rather good when compared to the industry average which is at 4.86. INGA pays more dividend than 95.74% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.36, INGA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	8.16%

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

INGA pays out 42.45% of its income as dividend. 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 2Y7.93%

EPS Next 3Y10.12%

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ING GROEP NV

AMS:INGA (10/15/2025, 3:06:31 PM)

20.49

-0.57 (-2.71%)

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 Owners49.52%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap59.94B

Analysts78.46

Price Target22.53 (9.96%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.16%

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)0%

PT rev (3m)10.78%

EPS NQ rev (1m)15.96%

EPS NQ rev (3m)16.34%

EPS NY rev (1m)0%

EPS NY rev (3m)0.78%

Revenue NQ rev (1m)-0.02%

Revenue NQ rev (3m)0.47%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.34%

Valuation

		Industry Rank	Sector Rank
PE	10.19
Fwd PE	8.8
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

EY9.81%

EPS(NY)2.33

Fwd EY11.37%

FCF(TTM)-6.25

FCFYN/A

OCF(TTM)-6.15

OCFYN/A

SpS12.28

BVpS16.79

TBVpS16.31

PEG (NY)N/A

PEG (5Y)1.02

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

WACC16.48%

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-0.45%

EPS Next 2Y7.93%

EPS Next 3Y10.12%

EPS Next 5Y6.53%

Revenue 1Y (TTM)1.16%

Revenue growth 3Y6.62%

Revenue growth 5Y4.03%

Sales Q2Q%-0.24%

Revenue Next Year-0.53%

Revenue Next 2Y2.63%

Revenue Next 3Y3.61%

Revenue Next 5Y3.08%

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