ING GROEP NV (INN1.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:INN1 • NL0011821202
24.855 EUR
+0.23 (+0.93%)
Last: Jan 30, 2026, 07:00 PM
INN1 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. INN1 may be in some trouble as it scores bad on both profitability and health. INN1 has a expensive valuation and it also scores bad on growth. 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.
- Each year in the past 5 years INN1 has been profitable.
- INN1 had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 0.87%, INN1 perfoms like the industry average, outperforming 57.89% of the companies in the same industry.
- INN1's Return On Equity of 19.34% is amongst the best of the industry. INN1 outperforms 90.35% 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
- INN1's Profit Margin of 26.45% is fine compared to the rest of the industry. INN1 outperforms 71.93% of its industry peers.
- In the last couple of years the Profit Margin of INN1 has grown nicely.
- INN1 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
- 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
- INN1 has a worse debt/assets ratio than last year.
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: 78.95% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.17%
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 INN1 have decreased by -1.94% in the last year.
- Measured over the past years, INN1 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.03% on average per year.
- INN1 shows a small growth in Revenue. In the last year, the Revenue has grown by 0.93%.
- Measured over the past years, INN1 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
- Based on estimates for the next years, INN1 will show a small growth in Earnings Per Share. The EPS will grow by 6.63% on average per year.
- The Revenue is expected to grow by 3.18% on average over the next years.
EPS Next Y3.77%
EPS Next 2Y7.94%
EPS Next 3Y10.61%
EPS Next 5Y6.63%
Revenue Next Year-0.13%
Revenue Next 2Y3.03%
Revenue Next 3Y3.99%
Revenue Next 5Y3.18%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 12.30, the valuation of INN1 can be described as correct.
- The rest of the industry has a similar Price/Earnings ratio as INN1.
- When comparing the Price/Earnings ratio of INN1 to the average of the S&P500 Index (28.30), we can say INN1 is valued rather cheaply.
- INN1 is valuated reasonably with a Price/Forward Earnings ratio of 10.67.
- INN1's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. INN1 is cheaper than 66.67% 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 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 10.67 |
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)3.27
PEG (5Y)1.23
EPS Next 2Y7.94%
EPS Next 3Y10.61%
5. Dividend
5.1 Amount
- INN1 has a Yearly Dividend Yield of 5.02%, which is a nice return.
- Compared to an average industry Dividend Yield of 3.93, INN1 pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, INN1 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.02% |
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
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.
- The dividend of INN1 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.45%
EPS Next 2Y7.94%
EPS Next 3Y10.61%
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 3 / 10 to ING GROEP NV (INN1.DE). This can be considered as Overvalued.
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 3.77% in the next year.