ING GROEP NV (INN1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:INN1 - NL0011821202 - Common Stock
23.935 EUR
+0.2 (+0.86%)
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 valuation in line with the averages, but on the other hand it scores bad on growth. 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.
In the past 5 years INN1 has always been profitable.
In the past 5 years INN1 reported 4 times negative operating cash flow.
1.2 Ratios
INN1 has a Return On Assets (0.87%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 19.34%, INN1 belongs to the top of the industry, outperforming 88.99% 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
INN1's Profit Margin of 26.45% is fine compared to the rest of the industry. INN1 outperforms 66.06% of its industry peers.
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.
The number of shares outstanding for INN1 has been reduced compared to 5 years ago.
The debt/assets ratio for INN1 is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 3.41 is on the high side and indicates that INN1 has dependencies on debt financing.
The Debt to Equity ratio of INN1 (3.41) is worse than 75.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.22%
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.
INN1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.47% yearly.
EPS Next Y2.32%
EPS Next 2Y8.48%
EPS Next 3Y10.46%
EPS Next 5Y6.94%
Revenue Next Year0.03%
Revenue Next 2Y3.07%
Revenue Next 3Y3.99%
Revenue Next 5Y3.47%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
The Price/Earnings ratio is 11.85, which indicates a very decent valuation of INN1.
INN1's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.39. INN1 is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.17, which indicates a very decent valuation of INN1.
INN1's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. INN1 is cheaper than 74.31% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.84. INN1 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.85 | ||
| Fwd PE | 10.17 |
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 an expensive valuation of the company.
PEG (NY)5.1
PEG (5Y)1.18
EPS Next 2Y8.48%
EPS Next 3Y10.46%
5. Dividend
5.1 Amount
INN1 has a Yearly Dividend Yield of 4.46%, which is a nice return.
Compared to an average industry Dividend Yield of 4.12, INN1 pays a bit more dividend than its industry peers.
INN1's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.46% |
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.
The dividend of INN1 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.45%
EPS Next 2Y8.48%
EPS Next 3Y10.46%
FRA:INN1 (12/19/2025, 7:00:00 PM)
23.935
+0.2 (+0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.03%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap69.58B
Revenue(TTM)35.90B
Net Income(TTM)9.50B
Analysts77.69
Price Target23.97 (0.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.46% |
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)5.4%
PT rev (3m)6.49%
EPS NQ rev (1m)14.87%
EPS NQ rev (3m)33.2%
EPS NY rev (1m)0.54%
EPS NY rev (3m)3.31%
Revenue NQ rev (1m)2.16%
Revenue NQ rev (3m)2.14%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.85 | ||
| Fwd PE | 10.17 | ||
| P/S | 1.94 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.42 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.02
EY8.44%
EPS(NY)2.35
Fwd EY9.83%
FCF(TTM)-6.29
FCFYN/A
OCF(TTM)-6.19
OCFYN/A
SpS12.35
BVpS16.9
TBVpS16.41
PEG (NY)5.1
PEG (5Y)1.18
Graham Number27.71
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
WACC16.22%
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 Y2.32%
EPS Next 2Y8.48%
EPS Next 3Y10.46%
EPS Next 5Y6.94%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
Revenue Next Year0.03%
Revenue Next 2Y3.07%
Revenue Next 3Y3.99%
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 11.85 and the Price/Book (PB) ratio is 1.42.
How sustainable is the dividend of ING GROEP NV (INN1.DE) stock?
The dividend rating of ING GROEP NV (INN1.DE) is 6 / 10 and the dividend payout ratio is 42.45%.