(INGA) ING Groep - Ratings and Ratios
Banking, Lending, Mortgages, Investments, Insurance
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 21.6% |
| Value at Risk 5%th | 33.6% |
| Relative Tail Risk | -5.62% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.84 |
| Alpha | 53.88 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.708 |
| Beta | 0.233 |
| Beta Downside | 0.477 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.08% |
| Mean DD | 4.73% |
| Median DD | 3.50% |
Description: INGA ING Groep September 26, 2025
ING Groep N.V. (ticker INGA) is a diversified European bank headquartered in Amsterdam, operating across retail and wholesale segments in the Netherlands, Belgium, Germany, the rest of Europe, and globally. Its product suite spans current and savings accounts, time deposits, consumer and SME lending (including residential mortgages), corporate financing, payments, cash-management, trade finance, treasury services, as well as investment, insurance, and digital banking solutions for individuals, corporates, and financial institutions.
Key financial indicators (as of FY 2023) include a cost-to-income ratio of roughly 58 %, a CET1 capital ratio of 15.2 %-well above the EU regulatory minimum-and a net interest margin (NIM) of 1.7 %, reflecting modest pressure from a low-rate environment. The bank’s loan-to-deposit ratio sits near 92 %, indicating a balanced funding profile, while digital channel usage has grown to over 70 % of total transactions, underscoring the sector’s shift toward fintech integration. Macro-driven factors such as ECB policy rate adjustments, European credit-growth trends, and tightening Basel III capital requirements remain pivotal to ING’s earnings outlook.
For a deeper quantitative assessment of ING’s valuation metrics, the ValueRay platform offers a granular data set worth exploring.
INGA Stock Overview
| Market Cap in USD | 76,334m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | |
| Return 12m vs S&P 500 | 40.1% |
| Analyst Rating | - |
INGA Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 5.64% |
| Yield on Cost 5y | 20.91% |
| Yield CAGR 5y | 22.61% |
| Payout Consistency | 70.4% |
| Payout Ratio | 61.1% |
INGA Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 33.70% |
| CAGR/Max DD Calmar Ratio | 1.46 |
| CAGR/Mean DD Pain Ratio | 7.12 |
| Current Volume | 10315.5k |
| Average Volume | 7183.1k |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (6.07b TTM) > 0 and > 6% of Revenue (6% = 1.36b TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA -0.99pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA -0.02 (>3.0%) and CFO -22.54b <= Net Income 6.07b (YES >=105%, WARN >=100%) |
| Net Debt (87.61b) to EBITDA (9.50b) ratio: 9.22 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (2.94b) change vs 12m ago -7.14% (target <= -2.0% for YES) |
| Gross Margin 100.0% (prev 86.39%; Δ 13.61pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.11% (prev 2.15%; Δ -0.04pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.20 (EBITDA TTM 9.50b / Interest Expense TTM 43.88b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 52.31
| 1. Piotroski 3.0pt |
| 2. FCF Yield 138.2% |
| 3. FCF Margin data missing |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda 9.22 |
| 6. ROIC - WACC (= -3.95)% |
| 7. RoE 12.11% |
| 8. Rev. Trend 49.25% |
| 9. EPS Trend 40.99% |
What is the price of INGA shares?
Over the past week, the price has changed by -2.01%, over one month by +4.82%, over three months by +2.41% and over the past year by +58.65%.
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 | 22.9 | 5.9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 31.1 | 43.7% |
INGA Fundamental Data Overview November 18, 2025
Market Cap EUR = 66.31b (66.31b EUR * 1.0 EUR.EUR)
P/E Trailing = 11.2075
P/E Forward = 9.542
P/S = 3.3092
P/B = 1.317
P/EG = 1.5152
Beta = 1.171
Revenue TTM = 22.60b EUR
EBIT TTM = 8.82b EUR
EBITDA TTM = 9.50b EUR
Long Term Debt = 170.48b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 87.61b EUR (from netDebt column, last quarter)
Enterprise Value = -16.56b EUR (66.31b + (null Debt) - CCE 82.87b)
Interest Coverage Ratio = 0.20 (Ebit TTM 8.82b / Interest Expense TTM 43.88b)
FCF Yield = 138.2% (FCF TTM -22.88b / Enterprise Value -16.56b)
FCF Margin = -101.2% (FCF TTM -22.88b / Revenue TTM 22.60b)
Net Margin = 26.86% (Net Income TTM 6.07b / Revenue TTM 22.60b)
Gross Margin = 100.0% ((Revenue TTM 22.60b - Cost of Revenue TTM 0.0) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = -0.02 (set to none) (Enterprise Value -16.56b / Total Assets 1092.36b)
Interest Expense / Debt = unknown (Interest Expense 43.88b / Debt none)
Taxrate = 27.46% (703.0m / 2.56b)
NOPAT = 6.40b (EBIT 8.82b * (1 - 27.46%))
Current Ratio = unknown (Total Current Assets 134.75b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = 9.22 (Net Debt 87.61b / EBITDA 9.50b)
Debt / FCF = -3.83 (negative FCF - burning cash) (Net Debt 87.61b / FCF TTM -22.88b)
Total Stockholder Equity = 50.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 6.07b / Total Assets 1092.36b)
RoE = 12.11% (Net Income TTM 6.07b / Total Stockholder Equity 50.14b)
RoCE = 4.00% (EBIT 8.82b / Capital Employed (Equity 50.14b + L.T.Debt 170.48b))
RoIC = 2.92% (NOPAT 6.40b / Invested Capital 219.28b)
WACC = 6.87% (E(66.31b)/V(66.31b) * Re(6.87%) + (debt-free company))
Discount Rate = 6.87% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -5.90%
Fair Price DCF = unknown (Cash Flow -22.88b)
EPS Correlation: 40.99 | EPS CAGR: 28.67% | SUE: 2.35 | # QB: 1
Revenue Correlation: 49.25 | Revenue CAGR: 6.94% | SUE: 1.86 | # QB: 1