(INGA) ING Groep - Overview
Exchange: AS •
Country: Netherlands •
Currency: EUR •
Type: Common Stock •
ISIN: NL0011821202
Stock: Banking, Lending, Investments, Insurance
Total Rating 41
Risk 61
Buy Signal -0.43
| Risk 5d forecast | |
|---|---|
| Volatility | 26.2% |
| Relative Tail Risk | -4.75% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.93 |
| Alpha | 16.08 |
| Character TTM | |
|---|---|
| Beta | 0.516 |
| Beta Downside | 0.486 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.98% |
| CAGR/Max DD | 1.80 |
EPS (Earnings per Share)
Revenue
Description: INGA ING Groep March 04, 2026
ING Groep N.V. (INGA) is a diversified bank operating across the Netherlands, Belgium, Germany, other European markets, and internationally. The company serves individual customers, corporate clients, and financial institutions.
Its business model encompasses retail banking (including current accounts, savings, mortgages, and consumer loans) and wholesale banking (offering business lending, working capital solutions, and treasury services). Diversified banks typically generate revenue through interest income on loans and fees for various banking services.
INGAs operations are segmented into Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. The financial sector is highly regulated, impacting capital requirements and operational practices.
For more detailed analysis, consider exploring ValueRays comprehensive reports.
Headlines to watch out for
- Net interest income growth drives profitability
- Economic slowdown impacts loan demand and credit quality
- Regulatory fines and compliance costs erode earnings
- Wholesale Banking performance sensitive to global markets
- Digital transformation investments improve cost efficiency
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 6.33b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 5.48 > 1.0 |
| NWC/Revenue: -1.72k% < 20% (prev -2.84k%; Δ 1.12k% < -1%) |
| CFO/TA 0.00 > 3% & CFO 160.0m > Net Income 6.33b |
| Net Debt (116.44b) to EBITDA (9.15b): 12.73 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.92b) vs 12m ago -6.84% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 4.00% > 50% (prev 2.21%; Δ 1.79% > 0%) |
| Interest Coverage Ratio: 0.25 > 6 (EBITDA TTM 9.15b / Interest Expense TTM 36.37b) |
Altman Z'' -4.23
| A: -0.68 (Total Current Assets 106.31b - Total Current Liabilities 819.08b) / Total Assets 1054.40b |
| B: 0.03 (Retained Earnings 35.63b / Total Assets 1054.40b) |
| C: 0.01 (EBIT TTM 9.15b / Avg Total Assets 1037.47b) |
| D: 0.04 (Book Value of Equity 35.63b / Total Liabilities 1003.45b) |
| Altman-Z'' Score: -4.23 = D |
Beneish M
| DSRI: none (Receivables none/984.0m, Revenue 41.54b/22.60b) |
| GMI: 1.02 (GM 96.86% / 98.68%) |
| AQI: 1.01 (AQ_t 0.90 / AQ_t-1 0.88) |
| SGI: 1.84 (Revenue 41.54b / 22.60b) |
| TATA: 0.01 (NI 6.33b - CFO 160.0m) / TA 1054.40b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of INGA shares?
As of March 16, 2026, the stock is trading at EUR 22.50 with a total of 9,687,026 shares traded.
Over the past week, the price has changed by -0.24%, over one month by -8.09%, over three months by -2.88% and over the past year by +29.79%.
Over the past week, the price has changed by -0.24%, over one month by -8.09%, over three months by -2.88% and over the past year by +29.79%.
Is INGA a buy, sell or hold?
ING Groep has no consensus analysts rating.
What are the forecasts/targets for the INGA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 26.9 | 19.7% |
| Analysts Target Price | - | - |
INGA Fundamental Data Overview March 11, 2026
Market Cap USD = 74.70b (65.23b EUR * 1.1452 EUR.USD)
P/E Trailing = 10.6872
P/E Forward = 9.3721
P/S = 2.6668
P/B = 1.3113
P/EG = 1.4883
Revenue TTM = 41.54b EUR
EBIT TTM = 9.15b EUR
EBITDA TTM = 9.15b EUR
Long Term Debt = 169.33b EUR (from longTermDebt, last quarter)
Short Term Debt = 125.34b EUR (from shortTermDebt, last fiscal year)
Debt = 169.33b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 116.44b EUR (from netDebt column, last quarter)
Enterprise Value = 128.25b EUR (65.23b + Debt 169.33b - CCE 106.31b)
Interest Coverage Ratio = 0.25 (Ebit TTM 9.15b / Interest Expense TTM 36.37b)
EV/FCF = -671.4x (Enterprise Value 128.25b / FCF TTM -191.0m)
FCF Yield = -0.15% (FCF TTM -191.0m / Enterprise Value 128.25b)
FCF Margin = -0.46% (FCF TTM -191.0m / Revenue TTM 41.54b)
Net Margin = 15.23% (Net Income TTM 6.33b / Revenue TTM 41.54b)
Gross Margin = unknown ((Revenue TTM 41.54b - Cost of Revenue TTM 1.30b) / Revenue TTM)
Tobins Q-Ratio = 0.12 (Enterprise Value 128.25b / Total Assets 1054.40b)
Interest Expense / Debt = 21.48% (Interest Expense 36.37b / Debt 169.33b)
Taxrate = 28.93% (606.0m / 2.10b)
NOPAT = 6.50b (EBIT 9.15b * (1 - 28.93%))
Current Ratio = 0.13 (Total Current Assets 106.31b / Total Current Liabilities 819.08b)
Debt / Equity = 3.41 (Debt 169.33b / totalStockholderEquity, last quarter 49.70b)
Debt / EBITDA = 12.73 (Net Debt 116.44b / EBITDA 9.15b)
Debt / FCF = -609.6 (out of range, set to none) (Net Debt 116.44b / FCF TTM -191.0m)
Total Stockholder Equity = 50.78b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 6.33b / Total Assets 1054.40b)
RoE = 12.46% (Net Income TTM 6.33b / Total Stockholder Equity 50.78b)
RoCE = 4.16% (EBIT 9.15b / Capital Employed (Equity 50.78b + L.T.Debt 169.33b))
RoIC = 2.97% (NOPAT 6.50b / Invested Capital 218.91b)
WACC = 13.19% (E(65.23b)/V(234.56b) * Re(7.81%) + D(169.33b)/V(234.56b) * Rd(21.48%) * (1-Tc(0.29)))
Discount Rate = 7.81% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -6.61%
[DCF] Fair Price = unknown (Cash Flow -191.0m)
EPS Correlation: 66.17 | EPS CAGR: 48.12% | SUE: 0.89 | # QB: 2
Revenue Correlation: 48.34 | Revenue CAGR: 6.37% | SUE: 0.02 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.61 | Chg7d=+0.003 | Chg30d=-0.010 | Revisions Net=+0 | Analysts=4
EPS current Year (2026-12-31): EPS=2.32 | Chg7d=+0.001 | Chg30d=+0.014 | Revisions Net=+2 | Growth EPS=+9.6% | Growth Revenue=+4.3%
EPS next Year (2027-12-31): EPS=2.69 | Chg7d=+0.002 | Chg30d=+0.001 | Revisions Net=-1 | Growth EPS=+15.9% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: +0.33 (4 Up / 2 Down within 30d for Current Year)
[Growth] Implied Growth Rate = -1.4% (Discount Rate 7.9% - Earnings Yield 9.4%)
[Growth] Growth Spread = +7.5% (Analyst 6.1% - Implied -1.4%)
P/E Trailing = 10.6872
P/E Forward = 9.3721
P/S = 2.6668
P/B = 1.3113
P/EG = 1.4883
Revenue TTM = 41.54b EUR
EBIT TTM = 9.15b EUR
EBITDA TTM = 9.15b EUR
Long Term Debt = 169.33b EUR (from longTermDebt, last quarter)
Short Term Debt = 125.34b EUR (from shortTermDebt, last fiscal year)
Debt = 169.33b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 116.44b EUR (from netDebt column, last quarter)
Enterprise Value = 128.25b EUR (65.23b + Debt 169.33b - CCE 106.31b)
Interest Coverage Ratio = 0.25 (Ebit TTM 9.15b / Interest Expense TTM 36.37b)
EV/FCF = -671.4x (Enterprise Value 128.25b / FCF TTM -191.0m)
FCF Yield = -0.15% (FCF TTM -191.0m / Enterprise Value 128.25b)
FCF Margin = -0.46% (FCF TTM -191.0m / Revenue TTM 41.54b)
Net Margin = 15.23% (Net Income TTM 6.33b / Revenue TTM 41.54b)
Gross Margin = unknown ((Revenue TTM 41.54b - Cost of Revenue TTM 1.30b) / Revenue TTM)
Tobins Q-Ratio = 0.12 (Enterprise Value 128.25b / Total Assets 1054.40b)
Interest Expense / Debt = 21.48% (Interest Expense 36.37b / Debt 169.33b)
Taxrate = 28.93% (606.0m / 2.10b)
NOPAT = 6.50b (EBIT 9.15b * (1 - 28.93%))
Current Ratio = 0.13 (Total Current Assets 106.31b / Total Current Liabilities 819.08b)
Debt / Equity = 3.41 (Debt 169.33b / totalStockholderEquity, last quarter 49.70b)
Debt / EBITDA = 12.73 (Net Debt 116.44b / EBITDA 9.15b)
Debt / FCF = -609.6 (out of range, set to none) (Net Debt 116.44b / FCF TTM -191.0m)
Total Stockholder Equity = 50.78b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 6.33b / Total Assets 1054.40b)
RoE = 12.46% (Net Income TTM 6.33b / Total Stockholder Equity 50.78b)
RoCE = 4.16% (EBIT 9.15b / Capital Employed (Equity 50.78b + L.T.Debt 169.33b))
RoIC = 2.97% (NOPAT 6.50b / Invested Capital 218.91b)
WACC = 13.19% (E(65.23b)/V(234.56b) * Re(7.81%) + D(169.33b)/V(234.56b) * Rd(21.48%) * (1-Tc(0.29)))
Discount Rate = 7.81% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -6.61%
[DCF] Fair Price = unknown (Cash Flow -191.0m)
EPS Correlation: 66.17 | EPS CAGR: 48.12% | SUE: 0.89 | # QB: 2
Revenue Correlation: 48.34 | Revenue CAGR: 6.37% | SUE: 0.02 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.61 | Chg7d=+0.003 | Chg30d=-0.010 | Revisions Net=+0 | Analysts=4
EPS current Year (2026-12-31): EPS=2.32 | Chg7d=+0.001 | Chg30d=+0.014 | Revisions Net=+2 | Growth EPS=+9.6% | Growth Revenue=+4.3%
EPS next Year (2027-12-31): EPS=2.69 | Chg7d=+0.002 | Chg30d=+0.001 | Revisions Net=-1 | Growth EPS=+15.9% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: +0.33 (4 Up / 2 Down within 30d for Current Year)
[Growth] Implied Growth Rate = -1.4% (Discount Rate 7.9% - Earnings Yield 9.4%)
[Growth] Growth Spread = +7.5% (Analyst 6.1% - Implied -1.4%)