(INGA) ING Groep - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: AS (Netherlands) | Market Cap: 72.784m EUR | Total Return: 42.1% in 12m
Retail Banking, Corporate Loans, Mortgages, Asset Management, Insurance
Total Rating 42
Safety 46
Buy Signal 0.10
Banks - Diversified
Industry Rotation: -3.7
Industry Rotation: -3.7
Market Cap:
85.3B
Avg Turnover: 165M
Avg Turnover: 165M
Risk 3d forecast
Volatility27.0%
VaR 5th Pctl4.60%
VaR vs Median3.52%
Reward TTM
Sharpe Ratio1.37
Rel. Str. IBD70.7
Rel. Str. Peer Group68.3
Character TTM
Beta0.503
Beta Downside0.230
Hurst Exponent0.493
Drawdowns 3y
Max DD19.98%
CAGR/Max DD1.88
CAGR/Mean DD9.15
EPS (Earnings per Share)
EPS CAGR: 14.97%
EPS Trend: 60.9%
EPS Trend: 60.9%
Last SUE: 1.22
Qual. Beats: 1
Qual. Beats: 1
Revenue
Rev. CAGR: -19.40%
Rev. Trend: 10.2%
Rev. Trend: 10.2%
Last SUE: 0.00
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: INGA ING Groep
ING Groep N.V. is a global financial institution headquartered in Amsterdam, providing a comprehensive range of retail and wholesale banking services. The company operates across five primary segments focusing on the Netherlands, Belgium, Germany, and broader international markets. Its business model centers on deposit-taking, mortgage lending, and corporate finance solutions for individuals and institutional clients.
As a constituent of the Diversified Banks sub-industry, ING utilizes a digital-first strategy to lower operational overhead compared to traditional brick-and-mortar competitors. The European banking sector currently faces a landscape defined by fluctuating interest rate margins and stringent Basel III capital adequacy requirements. Investors can find deeper insights into these valuation drivers on ValueRay.
Founded in 1762, the firm maintains a significant presence in the Eurozones lending market, offering specialized services such as debt and equity market solutions, trade finance, and treasury management. Its revenue streams are diversified between consumer interest income and fee-based services from investment and insurance products.
- Net interest income sensitivity to European Central Bank monetary policy shifts
- Mortgage lending volume growth in core Dutch and German retail markets
- Operational efficiency gains through digital banking and automated service distribution
- Asset quality and provisioning levels linked to Eurozone macroeconomic stability
- Capital return potential via share buybacks and high dividend payout ratios
Piotroski VR‑10 (Strict)
3.0
| Net Income: 6.43b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 5.19 > 1.0 |
| NWC/Revenue: -1.96k% < 20% (prev -1.42k%; Δ -541.7% < -1%) |
| CFO/TA 0.00 > 3% & CFO 160.0m > Net Income 6.43b |
| Net Debt (146.70b) to EBITDA (9.28b): 15.80 < 3 |
| Current Ratio: 0.08 > 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 4.15%; Δ -0.39% > 0%) |
| Interest Coverage Ratio: 0.26 > 6 (EBITDA TTM 9.28b / Interest Expense TTM 36.37b) |
Altman Z''
-4.51
| A: -0.72 (Total Current Assets 68.59b - Total Current Liabilities 885.27b) / Total Assets 1137.51b |
| B: 0.03 (Retained Earnings 37.66b / Total Assets 1137.51b) |
| C: 0.01 (EBIT TTM 9.28b / Avg Total Assets 1108.21b) |
| D: 0.03 (Book Value of Equity 34.99b / Total Liabilities 1085.44b) |
| Altman-Z'' Score: -4.51 = D |
What is the price of INGA shares?
As of May 17, 2026, the stock is trading at EUR 25.37 with a total of 9,530,450 shares traded.
Over the past week, the price has changed by -0.72%, over one month by +4.13%, over three months by +6.77% and over the past year by +42.11%.
Over the past week, the price has changed by -0.72%, over one month by +4.13%, over three months by +6.77% and over the past year by +42.11%.
Is INGA a buy, sell or hold?
ING Groep has no consensus analysts rating.
What are the forecasts/targets for the INGA price?
| Analysts Target Price | - | - |
ING Groep (INGA) - Fundamental Data Overview
as of 16 May 2026
Market Cap USD = 85.27b (72.78b EUR * 1.1715 EUR.USD)P/E Trailing = 11.5822
P/E Forward = 10.5152
P/S = 2.957
P/B = 1.4422
P/EG = 1.669
Revenue TTM = 41.73b EUR
EBIT TTM = 9.28b EUR
EBITDA TTM = 9.28b EUR
Long Term Debt = 182.90b EUR (from longTermDebt, last quarter)
Short Term Debt = 125.34b EUR (from shortTermDebt, last fiscal year)
Debt = 215.29b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 146.70b EUR (from netDebt column, last quarter)
Enterprise Value = 219.49b EUR (72.78b + Debt 215.29b - CCE 68.59b)
Interest Coverage Ratio = 0.26 (Ebit TTM 9.28b / Interest Expense TTM 36.37b)
EV/FCF = -1000.0x (Enterprise Value 219.49b / FCF TTM -191.0m)
FCF Yield = -0.09% (FCF TTM -191.0m / Enterprise Value 219.49b)
FCF Margin = -0.46% (FCF TTM -191.0m / Revenue TTM 41.73b)
Net Margin = 15.41% (Net Income TTM 6.43b / Revenue TTM 41.73b)
Gross Margin = unknown ((Revenue TTM 41.73b - Cost of Revenue TTM 1.34b) / Revenue TTM)
Tobins Q-Ratio = 0.19 (Enterprise Value 219.49b / Total Assets 1137.51b)
Interest Expense / Debt = 16.89% (Interest Expense 36.37b / Debt 215.29b)
Taxrate = 28.88% (652.0m / 2.26b)
NOPAT = 6.60b (EBIT 9.28b * (1 - 28.88%))
Current Ratio = 0.08 (Total Current Assets 68.59b / Total Current Liabilities 885.27b)
Debt / Equity = 4.23 (Debt 215.29b / totalStockholderEquity, last quarter 50.87b)
Debt / EBITDA = 15.80 (Net Debt 146.70b / EBITDA 9.28b)
Debt / FCF = -768.1 (out of range, set to none) (Net Debt 146.70b / FCF TTM -191.0m)
Total Stockholder Equity = 50.58b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.58% (Net Income 6.43b / Total Assets 1137.51b)
RoE = 12.71% (Net Income TTM 6.43b / Total Stockholder Equity 50.58b)
RoCE = 3.98% (EBIT 9.28b / Capital Employed (Equity 50.58b + L.T.Debt 182.90b))
RoIC = 2.97% (NOPAT 6.60b / Invested Capital 222.35b)
WACC = 10.94% (E(72.78b)/V(288.07b) * Re(7.75%) + D(215.29b)/V(288.07b) * Rd(16.89%) * (1-Tc(0.29)))
Discount Rate = 7.75% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: -100.00 | Cagr: -6.27%
[DCF] Fair Price = unknown (Cash Flow -191.0m)
EPS Correlation: 60.95 | EPS CAGR: 14.97% | SUE: 1.22 | # QB: 1
Revenue Correlation: 10.25 | Revenue CAGR: -19.40% | SUE: -0.00 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.63 | Chg30d=+2.82% | Revisions=-14% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.66 | Chg30d=+2.89% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=2.40 | Chg30d=+2.10% | Revisions=+33% | GrowthEPS=+13.3% | GrowthRev=+5.2%
EPS next Year (2027-12-31): EPS=2.79 | Chg30d=+2.50% | Revisions=+60% | GrowthEPS=+16.3% | GrowthRev=+7.3%
[Analyst] Revisions Ratio: +60%