(INGA) ING Groep - Overview
Stock: Savings, Mortgages, Loans, Payments, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 7.85% |
| Yield on Cost 5y | 23.78% |
| Yield CAGR 5y | 19.44% |
| Payout Consistency | 73.5% |
| Payout Ratio | 61.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 21.5% |
| Relative Tail Risk | -6.05% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.96 |
| Alpha | 59.16 |
| Character TTM | |
|---|---|
| Beta | 0.275 |
| Beta Downside | 0.513 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.08% |
| CAGR/Max DD | 1.41 |
Description: INGA ING Groep January 29, 2026
ING Groep N.V. (ticker INGA) is a diversified European bank headquartered in Amsterdam that delivers retail and wholesale banking services across the Netherlands, Belgium, Germany, the rest of Europe, and internationally. Its operations are organized into five segments-Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking-offering a full suite of products from current accounts and savings deposits to SME and consumer loans, mortgages, corporate finance, payments, cash-management, and digital banking solutions.
As of Q4 2025, ING reported a net profit of €4.2 billion, a 6 % year-over-year increase, driven by a net interest margin (NIM) of 2.1 % and loan growth of 4.3 % across its core retail markets. The bank’s Common Equity Tier 1 (CET1) ratio stood at 14.8 %, comfortably above the 12.5 % regulatory minimum, while its cost-to-income ratio improved to 66 % thanks to ongoing digitisation initiatives.
Key drivers for ING’s outlook include the Eurozone’s modestly rising interest rates, which support NIM expansion, and accelerating adoption of digital banking platforms that enhance cross-selling efficiency. Conversely, tighter credit-risk standards in the Netherlands and Belgium, as well as potential macro-economic headwinds from slowing GDP growth in Germany, introduce uncertainty to loan-portfolio performance.
For a deeper, data-rich assessment of ING’s valuation dynamics, consider exploring the analytics available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 6.07b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.05 > 0.02 and ΔFCF/TA -5.60 > 1.0 |
| NWC/Revenue: -1749 % < 20% (prev -1973 %; Δ 223.8% < -1%) |
| CFO/TA -0.05 > 3% & CFO -55.82b > Net Income 6.07b |
| Net Debt (87.61b) to EBITDA (8.82b): 9.93 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.96b) vs 12m ago -6.37% < -2% |
| Gross Margin: 96.99% > 18% (prev 0.24%; Δ 9675 % > 0.5%) |
| Asset Turnover: 3.84% > 50% (prev 2.15%; Δ 1.69% > 0%) |
| Interest Coverage Ratio: 0.20 > 6 (EBITDA TTM 8.82b / Interest Expense TTM 43.88b) |
Altman Z'' -4.12
| A: -0.66 (Total Current Assets 134.75b - Total Current Liabilities 854.52b) / Total Assets 1092.36b |
| B: 0.03 (Retained Earnings 36.46b / Total Assets 1092.36b) |
| C: 0.01 (EBIT TTM 8.82b / Avg Total Assets 1070.91b) |
| D: 0.03 (Book Value of Equity 33.96b / Total Liabilities 1041.79b) |
| Altman-Z'' Score: -4.12 = D |
Beneish M -3.34
| DSRI: 0.65 (Receivables 984.0m/834.0m, Revenue 41.15b/22.60b) |
| GMI: 0.25 (GM 96.99% / 23.93%) |
| AQI: 1.02 (AQ_t 0.87 / AQ_t-1 0.85) |
| SGI: 1.82 (Revenue 41.15b / 22.60b) |
| TATA: 0.06 (NI 6.07b - CFO -55.82b) / TA 1092.36b) |
| Beneish M-Score: -3.34 (Cap -4..+1) = AA |
What is the price of INGA shares?
Over the past week, the price has changed by +0.45%, over one month by +4.30%, over three months by +18.44% and over the past year by +63.14%.
Is INGA a buy, sell or hold?
What are the forecasts/targets for the INGA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 25.2 | 2.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 35.2 | 42.8% |
INGA Fundamental Data Overview January 28, 2026
P/E Trailing = 12.33
P/E Forward = 10.2249
P/S = 3.5677
P/B = 1.4145
P/EG = 1.5188
Revenue TTM = 41.15b EUR
EBIT TTM = 8.82b EUR
EBITDA TTM = 8.82b EUR
Long Term Debt = 170.48b EUR (from longTermDebt, last quarter)
Short Term Debt = 106.66b EUR (from shortTermDebt, last fiscal year)
Debt = 170.48b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 87.61b EUR (from netDebt column, last quarter)
Enterprise Value = 107.22b EUR (71.49b + Debt 170.48b - CCE 134.75b)
Interest Coverage Ratio = 0.20 (Ebit TTM 8.82b / Interest Expense TTM 43.88b)
EV/FCF = -1.91x (Enterprise Value 107.22b / FCF TTM -56.15b)
FCF Yield = -52.37% (FCF TTM -56.15b / Enterprise Value 107.22b)
FCF Margin = -136.4% (FCF TTM -56.15b / Revenue TTM 41.15b)
Net Margin = 14.75% (Net Income TTM 6.07b / Revenue TTM 41.15b)
Gross Margin = 96.99% ((Revenue TTM 41.15b - Cost of Revenue TTM 1.24b) / Revenue TTM)
Gross Margin QoQ = 94.43% (prev 98.77%)
Tobins Q-Ratio = 0.10 (Enterprise Value 107.22b / Total Assets 1092.36b)
Interest Expense / Debt = 25.74% (Interest Expense 43.88b / Debt 170.48b)
Taxrate = 27.46% (703.0m / 2.56b)
NOPAT = 6.40b (EBIT 8.82b * (1 - 27.46%))
Current Ratio = 0.16 (Total Current Assets 134.75b / Total Current Liabilities 854.52b)
Debt / Equity = 3.45 (Debt 170.48b / totalStockholderEquity, last quarter 49.45b)
Debt / EBITDA = 9.93 (Net Debt 87.61b / EBITDA 8.82b)
Debt / FCF = -1.56 (negative FCF - burning cash) (Net Debt 87.61b / FCF TTM -56.15b)
Total Stockholder Equity = 50.93b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.57% (Net Income 6.07b / Total Assets 1092.36b)
RoE = 11.92% (Net Income TTM 6.07b / Total Stockholder Equity 50.93b)
RoCE = 3.99% (EBIT 8.82b / Capital Employed (Equity 50.93b + L.T.Debt 170.48b))
RoIC = 2.92% (NOPAT 6.40b / Invested Capital 219.28b)
WACC = 15.20% (E(71.49b)/V(241.97b) * Re(6.93%) + D(170.48b)/V(241.97b) * Rd(25.74%) * (1-Tc(0.27)))
Discount Rate = 6.93% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -5.91%
Fair Price DCF = unknown (Cash Flow -56.15b)
EPS Correlation: 71.83 | EPS CAGR: 26.30% | SUE: 2.35 | # QB: 1
Revenue Correlation: 55.02 | Revenue CAGR: 6.49% | SUE: 0.01 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.47 | Chg30d=-0.041 | Revisions Net=+0 | Analysts=4
EPS next Year (2026-12-31): EPS=2.30 | Chg30d=-0.010 | Revisions Net=-1 | Growth EPS=+10.7% | Growth Revenue=+5.0%