ING GROEP NV (INN1.DE) Stock Fundamental Analysis

FRA:INN1 • NL0011821202

25.04 EUR
-0.1 (-0.4%)
Last: Feb 23, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

INN1 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. Both the profitability and financial health of INN1 have multiple concerns. INN1 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • INN1 had positive earnings in the past year.
  • INN1 had positive earnings in each of the past 5 years.
  • INN1 had a negative operating cash flow in each of the past 5 years.
INN1.DE Yearly Net Income VS EBIT VS OCF VS FCFINN1.DE 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

  • INN1 has a Return On Assets of 1.20%. This is in the better half of the industry: INN1 outperforms 74.07% of its industry peers.
  • INN1's Return On Equity of 25.55% is amongst the best of the industry. INN1 outperforms 97.22% of its industry peers.
Industry RankSector Rank
ROA 1.2%
ROE 25.55%
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
INN1.DE Yearly ROA, ROE, ROICINN1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 27.14%, INN1 is in the better half of the industry, outperforming 69.44% of the companies in the same industry.
  • INN1's Profit Margin has improved in the last couple of years.
  • INN1 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.48%
PM growth 5Y16.17%
GM growth 3YN/A
GM growth 5YN/A
INN1.DE Yearly Profit, Operating, Gross MarginsINN1.DE 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. Health

2.1 Basic Checks

  • INN1 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, INN1 has less shares outstanding
  • Compared to 5 years ago, INN1 has less shares outstanding
  • Compared to 1 year ago, INN1 has a worse debt to assets ratio.
INN1.DE Yearly Shares OutstandingINN1.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
INN1.DE Yearly Total Debt VS Total AssetsINN1.DE 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

  • INN1 has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 3.41, INN1 is not doing good in the industry: 80.56% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.17%
INN1.DE Yearly LT Debt VS Equity VS FCFINN1.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B 150B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
INN1.DE Yearly Current Assets VS Current LiabilitesINN1.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.50% over the past year.
  • INN1 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.35% yearly.
  • INN1 shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.03%.
  • The Revenue has been growing slightly by 3.78% on average over the past years.
EPS 1Y (TTM)5.5%
EPS 3Y29%
EPS 5Y27.35%
EPS Q2Q%23.08%
Revenue 1Y (TTM)31.03%
Revenue growth 3Y4.72%
Revenue growth 5Y3.78%
Sales Q2Q%7.21%

3.2 Future

  • Based on estimates for the next years, INN1 will show a small growth in Earnings Per Share. The EPS will grow by 6.52% on average per year.
  • Based on estimates for the next years, INN1 will show a small growth in Revenue. The Revenue will grow by 3.64% on average per year.
EPS Next Y10.44%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
EPS Next 5Y6.52%
Revenue Next Year6.3%
Revenue Next 2Y6.11%
Revenue Next 3Y6.37%
Revenue Next 5Y3.64%

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 stable.
INN1.DE Yearly Revenue VS EstimatesINN1.DE 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
INN1.DE Yearly EPS VS EstimatesINN1.DE 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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4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.87 indicates a reasonable valuation of INN1.
  • INN1's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, INN1 is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.75, which indicates a very decent valuation of INN1.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of INN1 is on the same level as its industry peers.
  • INN1's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.75.
Industry RankSector Rank
PE 11.87
Fwd PE 10.75
INN1.DE Price Earnings VS Forward Price EarningsINN1.DE 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
INN1.DE Per share dataINN1.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • INN1's earnings are expected to grow with 12.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.14
PEG (5Y)0.43
EPS Next 2Y13.26%
EPS Next 3Y12.77%

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

6

5. Dividend

5.1 Amount

  • INN1 has a Yearly Dividend Yield of 5.13%, which is a nice return.
  • INN1's Dividend Yield is a higher than the industry average which is at 4.37.
  • Compared to an average S&P500 Dividend Yield of 1.80, INN1 pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.13%

5.2 History

  • The dividend of INN1 is nicely growing with an annual growth rate of 12.43%!
Dividend Growth(5Y)12.43%
Div Incr Years4
Div Non Decr Years4
INN1.DE Yearly Dividends per shareINN1.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • The dividend of INN1 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
INN1.DE Yearly Income VS Free CF VS DividendINN1.DE 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

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ING GROEP NV

FRA:INN1 (2/23/2026, 7:00:00 PM)

25.04

-0.1 (-0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners50.26%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap72.54B
Revenue(TTM)46.78B
Net Income(TTM)12.70B
Analysts77.04
Price Target26.43 (5.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.13%
Yearly Dividend1.2
Dividend Growth(5Y)12.43%
DP0%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
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)8.56%
PT rev (3m)12.3%
EPS NQ rev (1m)-7.01%
EPS NQ rev (3m)-6.47%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.24%
Revenue NQ rev (1m)-3.03%
Revenue NQ rev (3m)-2.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.43%
Valuation
Industry RankSector Rank
PE 11.87
Fwd PE 10.75
P/S 1.55
P/FCF N/A
P/OCF N/A
P/B 1.46
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)2.11
EY8.43%
EPS(NY)2.33
Fwd EY9.31%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS16.15
BVpS17.15
TBVpS16.63
PEG (NY)1.14
PEG (5Y)0.43
Graham Number28.54
Profitability
Industry RankSector Rank
ROA 1.2%
ROE 25.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.14%
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 3Y14.48%
PM growth 5Y16.17%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 3.41
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC16.17%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y10.44%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
EPS Next 5Y6.52%
Revenue 1Y (TTM)31.03%
Revenue growth 3Y4.72%
Revenue growth 5Y3.78%
Sales Q2Q%7.21%
Revenue Next Year6.3%
Revenue Next 2Y6.11%
Revenue Next 3Y6.37%
Revenue Next 5Y3.64%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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.


What is the valuation status for INN1 stock?

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 financial health of ING GROEP NV (INN1.DE) stock?

The financial health rating of ING GROEP NV (INN1.DE) is 1 / 10.


What is the earnings growth outlook for ING GROEP NV?

The Earnings per Share (EPS) of ING GROEP NV (INN1.DE) is expected to grow by 10.44% in the next year.