(ING) ING - Ratings and Ratios
Banking, Savings, Lending, Insurance, Investment, Mortgages
ING EPS (Earnings per Share)
ING Revenue
Description: ING ING
ING Groep N.V. is a diversified banking institution operating across multiple regions, including the Netherlands, Belgium, Germany, and other parts of Europe, as well as internationally. The companys business is segmented into retail banking in various countries and wholesale banking, offering a wide range of financial products and services to individuals, corporates, and financial institutions.
From a financial perspective, ING Groep N.V. has a market capitalization of approximately $68.8 billion USD, indicating a significant presence in the global banking sector. With a Price-to-Earnings (P/E) ratio of 9.84 and a forward P/E of 10.10, the stock appears to be reasonably valued compared to its earnings. The Return on Equity (RoE) of 12.33% suggests that the company is generating substantial returns for its shareholders.
Additional key performance indicators (KPIs) that can be considered for ING Groep N.V. include its dividend yield, which is an important metric for income-seeking investors. As a banking institution, the companys capital adequacy ratio, such as the Common Equity Tier 1 (CET1) ratio, is also crucial in assessing its financial health and resilience. Furthermore, the net interest margin (NIM) and the cost-to-income ratio are essential metrics in evaluating the companys profitability and operational efficiency.
Given its diversified business model and geographic presence, ING Groep N.V.s revenue streams are likely to be influenced by various macroeconomic factors, including interest rates, GDP growth, and regulatory changes. As such, investors should closely monitor these factors and their potential impact on the companys financial performance.
ING Stock Overview
| Market Cap in USD | 72,390m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1996-11-18 |
ING Stock Ratings
| Growth Rating | 87.7% |
| Fundamental | 39.2% |
| Dividend Rating | 74.1% |
| Return 12m vs S&P 500 | 31.4% |
| Analyst Rating | 3.0 of 5 |
ING Dividends
| Dividend Yield 12m | 6.56% |
| Yield on Cost 5y | 24.28% |
| Annual Growth 5y | 14.08% |
| Payout Consistency | 69.7% |
| Payout Ratio | 73.0% |
ING Growth Ratios
| Growth Correlation 3m | 89.7% |
| Growth Correlation 12m | 75.4% |
| Growth Correlation 5y | 89.7% |
| CAGR 5y | 34.49% |
| CAGR/Max DD 5y | 0.79 |
| Sharpe Ratio 12m | 1.75 |
| Alpha | 40.25 |
| Beta | 0.651 |
| Volatility | 23.64% |
| Current Volume | 2694.2k |
| Average Volume 20d | 2666.3k |
| Stop Loss | 24 (-3.3%) |
| Signal | 0.50 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (6.16b TTM) > 0 and > 6% of Revenue (6% = 2.47b TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA -0.99pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1761 % (prev -1922 %; Δ 160.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -12.05b <= Net Income 6.16b (YES >=105%, WARN >=100%) |
| Net Debt (92.02b) to EBITDA (2.67b) ratio: 34.49 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.15 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.10b) change vs 12m ago -5.48% (target <= -2.0% for YES) |
| Gross Margin 96.97% (prev 97.93%; Δ -0.96pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.87% (prev 2.19%; Δ 1.68pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.00 (EBITDA TTM 2.67b / Interest Expense TTM 43.88b) >= 6 (WARN >= 3) |
Altman Z'' -4.22
| (A) -0.67 = (Total Current Assets 124.42b - Total Current Liabilities 849.99b) / Total Assets 1086.76b |
| (B) 0.03 = Retained Earnings (Balance) 35.12b / Total Assets 1086.76b |
| (C) -0.00 = EBIT TTM -1.00m / Avg Total Assets 1064.07b |
| (D) 0.05 = Book Value of Equity 49.12b / Total Liabilities 1036.61b |
| Total Rating: -4.22 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 39.21
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield -2.39% = -1.20 |
| 3. FCF Margin -55.51% = -7.50 |
| 4. Debt/Equity 20.72 = -2.50 |
| 5. Debt/Ebitda 381.4 = -2.50 |
| 6. ROIC - WACC -3.39% = -4.24 |
| 7. RoE 12.18% = 1.02 |
| 8. Rev. Trend 57.49% = 2.87 |
| 9. Rev. CAGR 85.85% = 2.50 |
| 10. EPS Trend 50.17% = 1.25 |
| 11. EPS CAGR 30.03% = 2.50 |
What is the price of ING shares?
Over the past week, the price has changed by +0.16%, over one month by +10.26%, over three months by +17.01% and over the past year by +51.89%.
Is ING a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ING is around 32.36 USD . This means that ING is currently undervalued and has a potential upside of +30.43% (Margin of Safety).
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 | 24.3 | -2.1% |
| Analysts Target Price | 22.7 | -8.7% |
| ValueRay Target Price | 34.4 | 38.8% |
Last update: 2025-08-14 02:53
ING Fundamental Data Overview
CCE Cash And Equivalents = 123.94b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 10.5388
P/E Forward = 10.6045
P/S = 3.6945
P/B = 1.2654
P/EG = 2.6505
Beta = 1.28
Revenue TTM = 41.21b EUR
EBIT TTM = -1.00m EUR
EBITDA TTM = 2.67b EUR
Long Term Debt = 167.58b EUR (from longTermDebt, last quarter)
Short Term Debt = 849.99b EUR (from totalCurrentLiabilities, last quarter)
Debt = 1017.58b EUR (Calculated: Short Term 849.99b + Long Term 167.58b)
Net Debt = 92.02b EUR (from netDebt column, last quarter)
Enterprise Value = 955.72b EUR (62.08b + Debt 1017.58b - CCE 123.94b)
Interest Coverage Ratio = -0.00 (Ebit TTM -1.00m / Interest Expense TTM 43.88b)
FCF Yield = -2.39% (FCF TTM -22.88b / Enterprise Value 955.72b)
FCF Margin = -55.51% (FCF TTM -22.88b / Revenue TTM 41.21b)
Net Margin = 14.96% (Net Income TTM 6.16b / Revenue TTM 41.21b)
Gross Margin = 96.97% ((Revenue TTM 41.21b - Cost of Revenue TTM 1.25b) / Revenue TTM)
Tobins Q-Ratio = 19.46 (Enterprise Value 955.72b / Book Value Of Equity 49.12b)
Interest Expense / Debt = 4.31% (Interest Expense 43.88b / Debt 1017.58b)
Taxrate = 28.49% (from yearly Income Tax Expense: 2.65b / 9.30b)
NOPAT = -1.00m (EBIT -1.00m, no tax applied on loss)
Current Ratio = 0.15 (Total Current Assets 124.42b / Total Current Liabilities 849.99b)
Debt / Equity = 20.72 (Debt 1017.58b / last Quarter total Stockholder Equity 49.12b)
Debt / EBITDA = 381.4 (Net Debt 92.02b / EBITDA 2.67b)
Debt / FCF = -44.48 (Debt 1017.58b / FCF TTM -22.88b)
Total Stockholder Equity = 50.60b (last 4 quarters mean)
RoA = 0.57% (Net Income 6.16b, Total Assets 1086.76b )
RoE = 12.18% (Net Income TTM 6.16b / Total Stockholder Equity 50.60b)
RoCE = -0.00% (Ebit -1.00m / (Equity 50.60b + L.T.Debt 167.58b))
RoIC = -0.00% (NOPAT -1.00m / Invested Capital 216.74b)
WACC = 3.39% (E(62.08b)/V(1079.66b) * Re(8.41%)) + (D(1017.58b)/V(1079.66b) * Rd(4.31%) * (1-Tc(0.28)))
Shares Correlation 5-Years: -100.0 | Cagr: -4.84%
Discount Rate = 8.41% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -22.88b)
Revenue Correlation: 57.49 | Revenue CAGR: 85.85%
Revenue Growth Correlation: 50.26%
EPS Correlation: 50.17 | EPS CAGR: 30.03%
Growth-of-Growth: -44.51
Additional Sources for ING Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle