(ING) ING - NYSE
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 84.928m USD | Total Return: 43.8% in 12m
Avg Turnover: 72.2M
EPS Trend: -18.9%
Qual. Beats: 0
Rev. Trend: -13.0%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
ING Groep N.V. is a global financial institution headquartered in Amsterdam, providing retail and wholesale banking services across Europe and international markets. The company operates through a segmented structure focused on the Netherlands, Belgium, and Germany, alongside a diverse Wholesale Banking division that serves corporate clients and financial institutions.
The firm utilizes a universal banking business model, generating revenue through net interest income from loans and mortgages as well as fee-based services like asset management and treasury solutions. As a major player in the Eurozone banking sector, ING is subject to the monetary policies of the European Central Bank, which directly influence its lending margins and capital requirements.
For a detailed analysis of the companys valuation metrics and historical performance, consider reviewing the data available on ValueRay.
- European Central Bank interest rate cuts reduce net interest income margins
- Mortgage loan demand fluctuates based on Eurozone housing market price stability
- Wholesale banking revenue sensitive to global corporate trade and investment flows
- Regulatory capital requirements influence share buyback programs and dividend payout capacity
- Digital transformation initiatives drive down operational costs across core European retail segments
| Net Income: 6.43b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 1.53 > 1.0 |
| NWC/Revenue: -1.67k% < 20% (prev -3.09k%; Δ 1.43k% < -1%) |
| CFO/TA -0.01 > 3% & CFO -6.38b > Net Income 6.43b |
| Net Debt (-5.83b) to EBITDA (9.95b): -0.59 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.89b) vs 12m ago -6.64% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.77% > 50% (prev 2.10%; Δ 1.66% > 0%) |
| Interest Coverage Ratio: 0.26 > 6 (EBIT TTM 9.28b / Interest Expense TTM 36.4b) |
| A: -0.61 (Total Current Assets 190b - Total Current Liabilities 885b) / Total Assets 1138b |
| B: 0.03 (Retained Earnings 35.6b / Total Assets 1138b) |
| C: 0.01 (EBIT TTM 9.28b / Avg Total Assets 1108b) |
| D: 0.05 (Book Value of Equity 50.9b / Total Liabilities 1085b) |
| Altman-Z'' = -3.80 = D |
As of June 11, 2026, the stock is trading at USD 28.71 with a total of 5,964,779 shares traded.
Over the past week, the price has changed by -5.65%,
over one month by -4.62%,
over three months by +9.31% and
over the past year by +43.75%.
ING has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold ING.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 31.5 | 9.6% |
Market Cap EUR = 73.6b (84.9b USD * 0.8661 USD.EUR)
P/E Trailing = 11.6594
P/E Forward = 11.0497
P/S = 3.5453
P/B = 1.5012
P/EG = 2.0091
Revenue TTM = 41.7b EUR
EBIT TTM = 9.28b EUR
EBITDA TTM = 9.95b EUR
Long Term Debt = 183b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 184b EUR (from shortLongTermDebtTotal, last quarter) + Leases 1.05b
Net Debt = -5.83b EUR (calculated: Debt 184b - CCE 190b)
Enterprise Value = 67.7b EUR (73.6b + Debt 184b - CCE 190b)
Interest Coverage Ratio = 0.26 (Ebit TTM 9.28b / Interest Expense TTM 36.4b)
EV/FCF = -10.06x (Enterprise Value 67.7b / FCF TTM -6.73b)
FCF Yield = -9.94% (FCF TTM -6.73b / Enterprise Value 67.7b)
FCF Margin = -16.13% (FCF TTM -6.73b / Revenue TTM 41.7b)
Net Margin = 15.41% (Net Income TTM 6.43b / Revenue TTM 41.7b)
Gross Margin = unknown ((Revenue TTM 41.7b - Cost of Revenue TTM 1.34b) / Revenue TTM)
Tobins Q-Ratio = 0.06 (Enterprise Value 67.7b / Total Assets 1138b)
Interest Expense / Debt = 19.77% (Interest Expense 36.4b / Debt 184b)
Taxrate = 27.95% (2.59b / 9.28b)
NOPAT = 6.69b (EBIT 9.28b * (1 - 27.95%))
Current Ratio = 0.21 (Total Current Assets 190b / Total Current Liabilities 885b)
Debt / Equity = 3.62 (Debt 184b / totalStockholderEquity, last quarter 50.9b)
Debt / EBITDA = -0.59 (Net Debt -5.83b / EBITDA 9.95b)
Debt / FCF = 0.87 (negative FCF - burning cash) (Net Debt -5.83b / FCF TTM -6.73b)
Total Stockholder Equity = 49.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.58% (Net Income 6.43b / Total Assets 1138b)
RoE = 12.91% (Net Income TTM 6.43b / Total Stockholder Equity 49.8b)
RoCE = 3.99% (EBIT 9.28b / Capital Employed (Equity 49.8b + L.T.Debt 183b))
RoIC = 2.67% (NOPAT 6.69b / Invested Capital 250b)
WACC = 12.62% (E(73.6b)/V(258b) * Re(8.55%) + D(184b)/V(258b) * Rd(19.77%) * (1-Tc(0.28)))
Discount Rate = 8.55% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.75 | Cagr: -6.27%
[DCF] Fair Price = unknown (Cash Flow -6.73b)
EPS Correlation: -18.94 | EPS CAGR: -3.27% | SUE: 0.66 | # QB: 0
Revenue Correlation: -12.98 | Revenue CAGR: -3.19% | SUE: -0.00 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.69 | Chg30d=-2.52% | Revisions=-20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.70 | Chg30d=-2.52% | Revisions=-20% | Analysts=1
EPS current Year (2026-12-31): EPS=2.78 | Chg30d=+0.12% | Revisions=-14% | GrowthEPS=+9.7% | GrowthRev=+5.2%
EPS next Year (2027-12-31): EPS=3.13 | Chg30d=+1.05% | Revisions=-14% | GrowthEPS=+12.9% | GrowthRev=+7.3%
[Analyst] Revisions Ratio: -20%