(ING) ING - Ratings and Ratios
Banking, Lending, Mortgages, Insurance, Investment
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 7.61% |
| Yield on Cost 5y | 22.86% |
| Yield CAGR 5y | 17.99% |
| Payout Consistency | 69.9% |
| Payout Ratio | 62.2% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 24.1% |
| Value at Risk 5%th | 37.8% |
| Relative Tail Risk | -4.79% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.39 |
| Alpha | 77.95 |
| CAGR/Max DD | 1.59 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.522 |
| Beta | 0.805 |
| Beta Downside | 0.849 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.43% |
| Mean DD | 5.79% |
| Median DD | 4.45% |
Description: ING ING January 27, 2026
ING Groep N.V. is a Dutch-origin universal bank that serves retail, SME, and corporate clients across the Netherlands, Belgium, Germany, the rest of Europe, and globally. 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 and savings accounts to mortgages, business loans, cash-management, trade finance, and digital banking services.
As of the latest Q4 2025 earnings release, ING reported a net profit of €2.9 billion, a 7 % year-over-year increase, and a Common Equity Tier 1 (CET1) ratio of 15.2 %, comfortably above the European Central Bank’s 13.5 % minimum. The bank’s cost-to-income ratio improved to 58.5 % (down from 60.1 % a year earlier), reflecting continued efficiency gains in its digital platform, while loan growth in the Retail Germany segment accelerated to 4.8 % YoY, driven by higher mortgage demand amid rising European housing prices.
Key macro drivers include the ECB’s policy-rate trajectory, which has kept net interest margins (NIM) under pressure, and the accelerating shift toward digital banking that is reshaping cost structures across the sector. ING’s strong digital adoption-over 12 million active online users-positions it to capture fee-based income even as interest-rate volatility persists.
For a deeper quantitative assessment, you might explore ING’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 6.07b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.02 > 0.02 and ΔFCF/TA -0.99 > 1.0 |
| NWC/Revenue: -1749 % < 20% (prev -1491 %; Δ -258.4% < -1%) |
| CFO/TA -0.01 > 3% & CFO -12.05b > 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 -7.51% < -2% |
| Gross Margin: 96.99% > 18% (prev 0.98%; Δ 9601 % > 0.5%) |
| Asset Turnover: 3.84% > 50% (prev 4.28%; Δ -0.44% > 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 33.85b / Total Assets 1092.36b) |
| C: 0.01 (EBIT TTM 8.82b / Avg Total Assets 1070.91b) |
| D: 0.05 (Book Value of Equity 49.45b / Total Liabilities 1041.79b) |
| Altman-Z'' Score: -4.12 = D |
Beneish M -2.81
| DSRI: 1.29 (Receivables 984.0m/834.0m, Revenue 41.15b/44.90b) |
| GMI: 1.01 (GM 96.99% / 98.35%) |
| AQI: 1.02 (AQ_t 0.87 / AQ_t-1 0.86) |
| SGI: 0.92 (Revenue 41.15b / 44.90b) |
| TATA: 0.02 (NI 6.07b - CFO -12.05b) / TA 1092.36b) |
| Beneish M-Score: -2.81 (Cap -4..+1) = A |
ValueRay F-Score (Strict, 0-100) 25.91
| 1. Piotroski: 4.0pt |
| 2. FCF Yield: -21.58% |
| 3. FCF Margin: -55.59% |
| 4. Debt/Equity: 3.45 |
| 5. Debt/Ebitda: 9.93 |
| 6. ROIC - WACC: -12.86% |
| 7. RoE: 11.92% |
| 8. Revenue Trend: 25.86% |
| 9. EPS Trend: 57.53% |
What is the price of ING shares?
Over the past week, the price has changed by +6.41%, over one month by +8.22%, over three months by +24.52% and over the past year by +90.39%.
Is ING a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the ING price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 26.3 | -12.4% |
| Analysts Target Price | 26.3 | -12.4% |
| ValueRay Target Price | 45 | 49.7% |
ING Fundamental Data Overview January 24, 2026
P/E Trailing = 12.3262
P/E Forward = 10.4275
P/S = 4.1598
P/B = 1.4418
P/EG = 1.5206
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 = unknown (none)
Debt = 170.48b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 87.61b EUR (from netDebt column, last quarter)
Enterprise Value = 106.00b EUR (70.27b + Debt 170.48b - CCE 134.75b)
Interest Coverage Ratio = 0.20 (Ebit TTM 8.82b / Interest Expense TTM 43.88b)
EV/FCF = -4.63x (Enterprise Value 106.00b / FCF TTM -22.88b)
FCF Yield = -21.58% (FCF TTM -22.88b / Enterprise Value 106.00b)
FCF Margin = -55.59% (FCF TTM -22.88b / 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 106.00b / 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 = -3.83 (negative FCF - burning cash) (Net Debt 87.61b / FCF TTM -22.88b)
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 = 2.95% (NOPAT 6.40b / Invested Capital 216.79b)
WACC = 15.81% (E(70.27b)/V(240.75b) * Re(8.88%) + D(170.48b)/V(240.75b) * Rd(25.74%) * (1-Tc(0.27)))
Discount Rate = 8.88% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.91%
Fair Price DCF = unknown (Cash Flow -22.88b)
EPS Correlation: 57.53 | EPS CAGR: 27.03% | SUE: 1.41 | # QB: 1
Revenue Correlation: 25.86 | Revenue CAGR: 6.49% | SUE: 0.02 | # QB: 0
EPS next Year (2026-12-31): EPS=2.64 | Chg30d=+0.031 | Revisions Net=+1 | Growth EPS=+10.5% | Growth Revenue=+5.4%
Additional Sources for ING Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle