(INGA) ING Groep - Ratings and Ratios
Banking, Mortgages, Loans, Investment, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.10% |
| Yield on Cost 5y | 22.12% |
| Yield CAGR 5y | 22.61% |
| Payout Consistency | 70.4% |
| Payout Ratio | 61.1% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 20.9% |
| Value at Risk 5%th | 32.1% |
| Relative Tail Risk | -6.38% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.09 |
| Alpha | 62.31 |
| CAGR/Max DD | 1.49 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.481 |
| Beta | 0.241 |
| Beta Downside | 0.475 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.08% |
| Mean DD | 4.74% |
| Median DD | 3.50% |
Description: INGA ING Groep December 03, 2025
ING Groep N.V. (ticker INGA) is a Dutch-headquartered, diversified banking group that serves retail and wholesale 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 including current and savings accounts, time deposits, consumer and SME loans, residential mortgages, working-capital financing, market-linked debt and equity solutions, payments, cash-management, trade finance, treasury services, as well as investment, insurance, and digital banking.
Key quantitative drivers (FY 2023, unless otherwise noted) include a net interest margin of roughly 1.6 % (down ≈ 0.2 pp YoY, reflecting a flattening European yield curve), a Common Equity Tier 1 (CET1) ratio of 15.2 % (well above the regulatory minimum and indicating strong capital resilience), and loan-book growth of about 4 % year-over-year, driven primarily by SME and mortgage lending in the Netherlands. The group’s digital adoption rate-measured by active online banking users-exceeds 80 % of its retail base, underscoring the sector-wide shift toward cost-efficient, technology-enabled banking services.
Given the sensitivity of ING’s earnings to Eurozone monetary-policy cycles and macro-economic conditions in its core markets, analysts should monitor ECB policy rate moves, German GDP trends, and Dutch housing-price dynamics as leading indicators of future profit trajectories.
For a deeper, data-driven look at ING’s valuation and risk profile, you might explore the detailed dashboards on ValueRay.
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) 56.10
| 1. Piotroski 3.0pt |
| 2. FCF Yield 170.0% |
| 3. FCF Margin data missing |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda 9.22 |
| 6. ROIC - WACC (= -3.98)% |
| 7. RoE 12.11% |
| 8. Rev. Trend 79.73% |
| 9. EPS Trend 71.83% |
What is the price of INGA shares?
Over the past week, the price has changed by +0.02%, over one month by +6.88%, over three months by +7.69% and over the past year by +71.02%.
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 | 23.3 | -2.7% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 35 | 46% |
INGA Fundamental Data Overview December 22, 2025
Market Cap EUR = 69.42b (69.42b EUR * 1.0 EUR.EUR)
P/E Trailing = 11.965
P/E Forward = 10.2041
P/S = 3.464
P/B = 1.4029
P/EG = 1.6198
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 = -13.46b EUR (69.42b + (null Debt) - CCE 82.87b)
Interest Coverage Ratio = 0.20 (Ebit TTM 8.82b / Interest Expense TTM 43.88b)
FCF Yield = 170.0% (FCF TTM -22.88b / Enterprise Value -13.46b)
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 = -0.01 (set to none) (Enterprise Value -13.46b / 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 = 6.90% (E(69.42b)/V(69.42b) * Re(6.90%) + (debt-free company))
Discount Rate = 6.90% (= 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: 71.83 | EPS CAGR: 26.30% | SUE: 2.35 | # QB: 1
Revenue Correlation: 79.73 | Revenue CAGR: 6.49% | SUE: 1.86 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.51 | Chg30d=-0.008 | Revisions Net=-1 | Analysts=3
EPS next Year (2026-12-31): EPS=2.31 | Chg30d=+0.001 | Revisions Net=+3 | Growth EPS=+14.3% | Growth Revenue=+6.1%