ING GROEP NV (INN1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:INN1 - NL0011821202 - Common Stock
21.655 EUR
+0.13 (+0.58%)
INN1 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. INN1 has a bad profitability rating. Also its financial health evaluation is rather negative. INN1 is valued correctly, but it does not seem to be growing. Finally INN1 also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
INN1 had positive earnings in the past year.
In the past year INN1 has reported a negative cash flow from operations.
INN1 had positive earnings in each of the past 5 years.
In the past 5 years INN1 reported 4 times negative operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.87%, INN1 perfoms like the industry average, outperforming 58.33% of the companies in the same industry.
Looking at the Return On Equity, with a value of 19.34%, INN1 belongs to the top of the industry, outperforming 87.96% 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
With a decent Profit Margin value of 26.45%, INN1 is doing good in the industry, outperforming 70.37% of the companies in the same industry.
INN1's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for INN1 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
2. Health
2.1 Basic Checks
INN1 does not have a ROIC to compare to the WACC, probably because it is not profitable.
INN1 has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, INN1 has less shares outstanding
INN1 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 INN1 has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.41, INN1 is doing worse than 75.93% 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
WACC16.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
INN1 shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.94%.
The Earnings Per Share has been growing by 10.03% on average over the past years. This is quite good.
INN1 shows a small growth in Revenue. In the last year, the Revenue has grown by 0.93%.
The Revenue has been growing slightly by 4.03% on average over the past years.
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
INN1 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.94% yearly.
Based on estimates for the next years, INN1 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
INN1 is valuated reasonably with a Price/Earnings ratio of 10.72.
INN1's Price/Earnings ratio is in line with the industry average.
INN1's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.65.
Based on the Price/Forward Earnings ratio of 9.27, the valuation of INN1 can be described as reasonable.
Based on the Price/Forward Earnings ratio, INN1 is valued a bit cheaper than 77.78% of the companies in the same industry.
INN1's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.72 | ||
| Fwd PE | 9.27 |
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 INN1 does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.04
PEG (5Y)1.07
EPS Next 2Y8.07%
EPS Next 3Y10.03%
5. Dividend
5.1 Amount
INN1 has a Yearly Dividend Yield of 4.92%, which is a nice return.
Compared to an average industry Dividend Yield of 4.85, INN1 pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, INN1 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
5.2 History
On average, the dividend of INN1 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
INN1 pays out 42.45% of its income as dividend. This is a bit on the high side, but may be sustainable.
INN1's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.45%
EPS Next 2Y8.07%
EPS Next 3Y10.03%
FRA:INN1 (11/24/2025, 7:00:00 PM)
21.655
+0.13 (+0.58%)
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 Cap63.04B
Revenue(TTM)35.90B
Net Income(TTM)9.50B
Analysts78.46
Price Target23.54 (8.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
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)4.46%
PT rev (3m)6.37%
EPS NQ rev (1m)14.87%
EPS NQ rev (3m)32.02%
EPS NY rev (1m)2.23%
EPS NY rev (3m)2.76%
Revenue NQ rev (1m)2.16%
Revenue NQ rev (3m)2.14%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.72 | ||
| Fwd PE | 9.27 | ||
| P/S | 1.76 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.28 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.02
EY9.33%
EPS(NY)2.34
Fwd EY10.79%
FCF(TTM)-6.28
FCFYN/A
OCF(TTM)-6.18
OCFYN/A
SpS12.34
BVpS16.87
TBVpS16.39
PEG (NY)6.04
PEG (5Y)1.07
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
WACC16.46%
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 / INN1.DE FAQ
What is the ChartMill fundamental rating of ING GROEP NV (INN1.DE) stock?
ChartMill assigns a fundamental rating of 3 / 10 to INN1.DE.
Can you provide the valuation status for ING GROEP NV?
ChartMill assigns a valuation rating of 4 / 10 to ING GROEP NV (INN1.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for ING GROEP NV?
ING GROEP NV (INN1.DE) has a profitability rating of 3 / 10.
What is the valuation of ING GROEP NV based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ING GROEP NV (INN1.DE) is 10.72 and the Price/Book (PB) ratio is 1.28.
How sustainable is the dividend of ING GROEP NV (INN1.DE) stock?
The dividend rating of ING GROEP NV (INN1.DE) is 7 / 10 and the dividend payout ratio is 42.45%.