ING GROEP NV (INGA.AS) Stock Fundamental Analysis
Europe - AMS:INGA - NL0011821202 - Common Stock
22.7 EUR
+0.65 (+2.97%)
Overall INGA gets a fundamental rating of 3 out of 10. We evaluated INGA against 96 industry peers in the Banks industry. INGA may be in some trouble as it scores bad on both profitability and health. INGA is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year INGA was profitable.
INGA had a negative operating cash flow in the past year.
Each year in the past 5 years INGA has been profitable.
In the past 5 years INGA reported 4 times negative operating cash flow.
1.2 Ratios
INGA has a Return On Assets of 0.87%. This is in the better half of the industry: INGA outperforms 60.42% 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 92.71% 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 69.79% of its industry peers.
In the last couple of years the Profit Margin of INGA has grown nicely.
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
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
The number of shares outstanding for INGA has been reduced compared to 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.
INGA has a worse Debt to Equity ratio (3.41) than 76.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.12%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for INGA have decreased by -1.94% in the last year.
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 0.93% 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)-1.94%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%1.69%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
3.2 Future
The Earnings Per Share is expected to grow by 6.94% 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 3.47% on average per year.
EPS Next Y1.78%
EPS Next 2Y8.07%
EPS Next 3Y10.03%
EPS Next 5Y6.94%
Revenue Next Year-0.4%
Revenue Next 2Y2.82%
Revenue Next 3Y3.75%
Revenue Next 5Y3.47%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
INGA is valuated reasonably with a Price/Earnings ratio of 11.24.
Compared to the rest of the industry, the Price/Earnings ratio of INGA indicates a slightly more expensive valuation: INGA is more expensive than 64.58% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.28. INGA is valued rather cheaply when compared to this.
INGA is valuated reasonably with a Price/Forward Earnings ratio of 9.72.
INGA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. INGA is cheaper than 64.58% of the companies 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 33.61.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.72 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates INGA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.33
PEG (5Y)1.12
EPS Next 2Y8.07%
EPS Next 3Y10.03%
5. Dividend
5.1 Amount
INGA has a Yearly Dividend Yield of 4.77%, which is a nice return.
INGA's Dividend Yield is comparable with the industry average which is at 4.84.
Compared to an average S&P500 Dividend Yield of 2.36, INGA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.77% |
5.2 History
On average, the dividend of INGA grows each year by 12.43%, which is quite nice.
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 2Y8.07%
EPS Next 3Y10.03%
AMS:INGA (11/10/2025, 7:00:00 PM)
22.7
+0.65 (+2.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners49.52%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap66.08B
Revenue(TTM)35.90B
Net Income(TTM)9.50B
Analysts78.46
Price Target22.78 (0.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.77% |
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)1.07%
PT rev (3m)8.47%
EPS NQ rev (1m)33.2%
EPS NQ rev (3m)38.14%
EPS NY rev (1m)2.23%
EPS NY rev (3m)3.03%
Revenue NQ rev (1m)2.14%
Revenue NQ rev (3m)1.15%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.72 | ||
| P/S | 1.84 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.35 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.02
EY8.9%
EPS(NY)2.34
Fwd EY10.29%
FCF(TTM)-6.28
FCFYN/A
OCF(TTM)-6.18
OCFYN/A
SpS12.34
BVpS16.87
TBVpS16.39
PEG (NY)6.33
PEG (5Y)1.12
Graham Number27.69
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
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 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
WACC16.12%
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)-1.94%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%1.69%
EPS Next Y1.78%
EPS Next 2Y8.07%
EPS Next 3Y10.03%
EPS Next 5Y6.94%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
Revenue Next Year-0.4%
Revenue Next 2Y2.82%
Revenue Next 3Y3.75%
Revenue Next 5Y3.47%
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 FAQ
What is the fundamental rating for INGA stock?
ChartMill assigns a fundamental rating of 3 / 10 to INGA.AS.
What is the valuation status of ING GROEP NV (INGA.AS) stock?
ChartMill assigns a valuation rating of 3 / 10 to ING GROEP NV (INGA.AS). This can be considered as Overvalued.
How profitable is ING GROEP NV (INGA.AS) stock?
ING GROEP NV (INGA.AS) has a profitability rating of 3 / 10.
Can you provide the financial health for INGA stock?
The financial health rating of ING GROEP NV (INGA.AS) is 1 / 10.
What is the earnings growth outlook for ING GROEP NV?
The Earnings per Share (EPS) of ING GROEP NV (INGA.AS) is expected to grow by 1.78% in the next year.