(ING) ING Bank Śląski - Ratings and Ratios
Loans, Cards, Accounts, Investments, Insurance
ING EPS (Earnings per Share)
ING Revenue
Description: ING ING Bank Śląski
ING Bank Śląski SA is a leading Polish bank offering a comprehensive range of banking products and services to retail and corporate clients. Its diversified business model is reflected in its two main segments: Retail Banking and Corporate Banking, catering to the financial needs of individuals and businesses.
The banks extensive product portfolio includes various loan products, such as cash loans, mortgages, and business financing options, as well as credit and debit cards, investment and savings products, and insurance services. Additionally, it provides digital banking solutions, including mobile and internet banking, to enhance customer convenience.
From a financial perspective, ING Bank Śląski SA has demonstrated strong performance, with a Return on Equity (RoE) of 26.45%, indicating efficient use of shareholder capital. The banks Price-to-Earnings (P/E) ratio is 9.25, suggesting a relatively attractive valuation compared to its earnings. Furthermore, the forward P/E ratio of 7.20 implies expected earnings growth. The banks market capitalization stands at approximately 40.6 billion PLN.
To further analyze ING Bank Śląski SAs performance, other key metrics can be considered, such as the banks Net Interest Margin (NIM), which is a crucial indicator of its profitability. A higher NIM suggests a stronger ability to generate income from its core lending and deposit-taking activities. Additionally, the banks Cost-to-Income ratio, a measure of operational efficiency, can provide insights into its ability to manage costs relative to revenue. The banks Capital Adequacy Ratio (CAR) and Liquidity Coverage Ratio (LCR) are also important metrics, as they indicate its regulatory capital strength and ability to meet short-term liquidity needs, respectively.
As a subsidiary of ING Bank N.V., ING Bank Śląski SA benefits from its parent companys global expertise and resources, potentially enhancing its competitiveness in the Polish banking market. The banks strong market position, diversified product offerings, and robust financial performance make it an attractive player in the regional banking sector.
Additional Sources for ING Stock
ING Stock Overview
Market Cap in USD | 11,709m |
Sector | Financial Services |
Industry | Banks - Regional |
GiC Sub-Industry | Regional Banks |
IPO / Inception |
ING Stock Ratings
Growth Rating | 79.7 |
Fundamental | 31.6 |
Dividend Rating | 78.3 |
Rel. Strength | 2.91 |
Analysts | - |
Fair Price Momentum | 382.35 PLN |
Fair Price DCF | 666.25 PLN |
ING Dividends
Dividend Yield 12m | 8.46% |
Yield on Cost 5y | 23.84% |
Annual Growth 5y | 59.91% |
Payout Consistency | 45.0% |
Payout Ratio | 95.7% |
ING Growth Ratios
Growth Correlation 3m | 70.7% |
Growth Correlation 12m | 80.4% |
Growth Correlation 5y | 75% |
CAGR 5y | 25.63% |
CAGR/Max DD 5y | 0.48 |
Sharpe Ratio 12m | -0.13 |
Alpha | 8.43 |
Beta | 0.638 |
Volatility | 24.94% |
Current Volume | 20.5k |
Average Volume 20d | 6.9k |
Stop Loss | 320.1 (-3%) |
As of August 02, 2025, the stock is trading at PLN 330.00 with a total of 20,482 shares traded.
Over the past week, the price has changed by -0.30%, over one month by +6.45%, over three months by +6.17% and over the past year by +24.51%.
Neither. Based on ValueRay´s Fundamental Analyses, ING Bank Śląski is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 31.60 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ING is around 382.35 PLN . This means that ING is currently undervalued and has a potential upside of +15.86% (Margin of Safety).
ING Bank Śląski has no consensus analysts rating.
According to our own proprietary Forecast Model, ING ING Bank Śląski will be worth about 433.7 in August 2026. The stock is currently trading at 330.00. This means that the stock has a potential upside of +31.44%.
Issuer | Target | Up/Down from current |
---|---|---|
Wallstreet Target Price | 321.2 | -2.7% |
Analysts Target Price | - | - |
ValueRay Target Price | 433.7 | 31.4% |