(INGA) ING Groep - Overview

Exchange: AS • Country: Netherlands • Currency: EUR • Type: Common Stock • ISIN: NL0011821202

Stock:

Total Rating 44

Risk 62

Buy Signal -0.34

Banks - Diversified -4.0
Diversified Banks -11.1

Market Cap: 84,940m
Avg Trading Vol: 176M EUR

ATR: 2.29%
Peers RS (IBD): 45.28

Risk 5d forecast
Volatility	22.8%
Relative Tail Risk	-5.42%

Reward TTM
Sharpe Ratio	1.50
Alpha	39.20

Character TTM
Beta	0.731
Beta Downside	1.043

Drawdowns 3y
Max DD	19.98%
CAGR/Max DD	2.02

EPS (Earnings per Share)

EPS CAGR: 48.12%
EPS Trend: 66.2%

Last SUE: 0.89
Qual. Beats: 2

Revenue

Rev. CAGR: 6.37%
Rev. Trend: 48.3%

Last SUE: 0.02
Qual. Beats: 0

Description: INGA ING Groep

ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. It accepts current and savings accounts, as well as time deposits. The company also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, it provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. The company serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income: 6.33b TTM > 0 and > 6% of Revenue
FCF/TA: 0.0 > 0.02 and ΔFCF/TA 5.50 > 1.0
NWC/Revenue: -1716 % < 20% (prev -2836 %; Δ 1120 % < -1%)
CFO/TA 0.00 > 3% & CFO 3.20b > 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: error (cannot be calculated; needs correct EBITDA TTM and Interest Expense TTM)

Altman Z''

A: -0.68 (Total Current Assets 106.31b - Total Current Liabilities 819.08b) / Total Assets 1054.40b
B: error (Retained Earnings missing)
C: 0.01 (EBIT TTM 9.15b / Avg Total Assets 1037.47b)
D: 0.05 (Book Value of Equity 49.70b / Total Liabilities 1003.45b)

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: 0.00 (NI 6.33b - CFO 3.20b) / TA 1054.40b)
Beneish M-Score: cannot calculate (missing components)

What is the price of INGA shares?

As of March 02, 2026, the stock is trading at EUR 24.63 with a total of 15,154,599 shares traded.
Over the past week, the price has changed by -1.62%, over one month by -2.84%, over three months by +10.21% and over the past year by +48.39%.

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	9.2%
Analysts Target Price	-	-

INGA Fundamental Data Overview February 28, 2026

Market Cap USD = 84.94b (72.02b EUR * 1.1794 EUR.USD)
P/E Trailing = 11.7264
P/E Forward = 9.5694
P/S = 3.3143
P/B = 1.3099
P/EG = 1.5188
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 = unknown (none)
Debt = 169.33b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 116.44b EUR (from netDebt column, last quarter)
Enterprise Value = 135.04b EUR (72.02b + Debt 169.33b - CCE 106.31b)
Interest Coverage Ratio = unknown (Ebit TTM 9.15b / Interest Expense TTM 0.0)
EV/FCF = unknown (FCF TTM 0.0)
FCF Yield = 0.0% (FCF TTM 0.0 / Enterprise Value 135.04b)
FCF Margin = 0.0% (FCF TTM 0.0 / 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 = 0.13 (Enterprise Value 135.04b / Total Assets 1054.40b)
Interest Expense / Debt = 0.03% (Interest Expense 45.0m / 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 = unknown (Net Debt 116.44b / FCF TTM 0.0)
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 = 2.58% (E(72.02b)/V(241.35b) * Re(8.61%) + D(169.33b)/V(241.35b) * Rd(0.03%) * (1-Tc(0.29)))
Discount Rate = 8.61% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.61%
[DCF] Fair Price = unknown (Cash Flow 0.0)
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=-0.013 | Chg30d=+0.007 | Revisions Net=+2 | Analysts=4
EPS current Year (2026-12-31): EPS=2.32 | Chg7d=+0.002 | Chg30d=+0.028 | Revisions Net=+4 | Growth EPS=+9.6% | Growth Revenue=+4.3%
EPS next Year (2027-12-31): EPS=2.69 | Chg7d=-0.010 | Chg30d=+0.036 | Revisions Net=+10 | Growth EPS=+15.8% | Growth Revenue=+6.8%
[Analyst] Revisions Ratio: +0.50 (3 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.1% (Discount Rate 8.6% - Earnings Yield 8.5%)
[Growth] Growth Spread = +5.8% (Analyst 5.9% - Implied 0.1%)

Additional Sources for INGA Stock

Fund Manager Positions: Dataroma | Stockcircle