ING GROEP NV (INN1.DE) Stock Fundamental Analysis

FRA:INN1 • NL0011821202

24.625 EUR
-0.35 (-1.4%)
Last: Feb 27, 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 106 industry peers in the Banks industry. INN1 has a bad profitability rating. Also its financial health evaluation is rather negative. INN1 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • INN1 had positive earnings in the past year.
  • In the past 5 years INN1 has always been profitable.
  • 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

  • Looking at the Return On Assets, with a value of 1.20%, INN1 is in the better half of the industry, outperforming 76.42% of the companies in the same industry.
  • INN1 has a better Return On Equity (25.55%) than 97.17% 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

  • INN1's Profit Margin of 27.14% is fine compared to the rest of the industry. INN1 outperforms 69.81% of its industry peers.
  • In the last couple of years the Profit Margin of INN1 has grown nicely.
  • The Operating Margin and Gross Margin are not available for INN1 so they could not be analyzed.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • The debt/assets ratio for INN1 is higher compared to a year ago.
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: 81.13% 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
WACC16.15%
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

  • INN1 shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.50%.
  • The Earnings Per Share has been growing by 27.35% on average over the past years. This is a very strong growth
  • Looking at the last year, INN1 shows a very strong growth in Revenue. The Revenue has grown by 31.03%.
  • INN1 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.78% yearly.
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

  • The Earnings Per Share is expected to grow by 6.52% on average over the next years.
  • INN1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.42% yearly.
EPS Next Y10.44%
EPS Next 2Y13.26%
EPS Next 3Y12.77%
EPS Next 5Y6.52%
Revenue Next Year5.4%
Revenue Next 2Y6.07%
Revenue Next 3Y6.05%
Revenue Next 5Y3.42%

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

  • With a Price/Earnings ratio of 11.67, the valuation of INN1 can be described as very reasonable.
  • INN1's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, INN1 is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.57, the valuation of INN1 can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of INN1 indicates a somewhat cheap valuation: INN1 is cheaper than 62.26% of the companies listed in the same industry.
  • INN1 is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.67
Fwd PE 10.57
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)1.12
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

  • With a Yearly Dividend Yield of 5.04%, INN1 is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.33, 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 RankSector Rank
Dividend Yield 5.04%

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

  • INN1's earnings are growing slower than its dividend. 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 (2/27/2026, 7:00:00 PM)

24.625

-0.35 (-1.4%)

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 Cap71.34B
Revenue(TTM)46.78B
Net Income(TTM)12.70B
Analysts77.04
Price Target27.55 (11.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.04%
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)13.15%
PT rev (3m)17.05%
EPS NQ rev (1m)-3.85%
EPS NQ rev (3m)-2.16%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.24%
Revenue NQ rev (1m)-2.36%
Revenue NQ rev (3m)-1.6%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 11.67
Fwd PE 10.57
P/S 1.52
P/FCF N/A
P/OCF N/A
P/B 1.44
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)2.11
EY8.57%
EPS(NY)2.33
Fwd EY9.46%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS16.15
BVpS17.15
TBVpS16.63
PEG (NY)1.12
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
WACC16.15%
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 Year5.4%
Revenue Next 2Y6.07%
Revenue Next 3Y6.05%
Revenue Next 5Y3.42%
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.