(INGA) ING Groep - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: AS (Netherlands) | Market Cap: 77.099m EUR | Total Return: 51.6% in 12m
Avg Turnover: 176M
EPS Trend: 61.6%
Qual. Beats: 3
Rev. Trend: 78.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Idiosyncratic Leader
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
| 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 (148b) to EBITDA (9.95b): 14.85 < 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 9.95b / Interest Expense TTM 36.4b) |
| A: -0.72 (Total Current Assets 68.6b - Total Current Liabilities 885b) / Total Assets 1138b |
| B: 0.03 (Retained Earnings 37.7b / Total Assets 1138b) |
| C: 0.01 (EBIT TTM 9.28b / Avg Total Assets 1108b) |
| D: 0.03 (Book Value of Equity 35.0b / Total Liabilities 1085b) |
| Altman-Z'' = -4.51 = D |
As of May 31, 2026, the stock is trading at EUR 26.70 with a total of 17,207,923 shares traded.
Over the past week, the price has changed by +1.00%,
over one month by +11.81%,
over three months by +11.68% and
over the past year by +51.58%.
ING Groep has no consensus analysts rating.
P/E Trailing = 12.2763
P/E Forward = 11.1607
P/S = 3.1323
P/B = 1.5288
P/EG = 1.7715
Revenue TTM = 41.7b EUR
EBIT TTM = 9.28b EUR
EBITDA TTM = 9.95b EUR
Long Term Debt = 183b EUR (from longTermDebt, last quarter)
Short Term Debt = 125b EUR (from shortTermDebt, last fiscal year)
Debt = 216b EUR (from shortLongTermDebtTotal, last quarter) + Leases 1.05b
Net Debt = 148b EUR (calculated: Debt 216b - CCE 68.6b)
Enterprise Value = 225b EUR (77.1b + Debt 216b - CCE 68.6b)
Interest Coverage Ratio = 0.26 (Ebit TTM 9.28b / Interest Expense TTM 36.4b)
EV/FCF = -1000.0x (Enterprise Value 225b / FCF TTM -191.0m)
FCF Yield = -0.08% (FCF TTM -191.0m / Enterprise Value 225b)
FCF Margin = -0.46% (FCF TTM -191.0m / Revenue TTM 41.7b)
Net Margin = 15.41% (Net Income TTM 6.43b / Revenue TTM 41.7b)
Gross Margin = unknown ((Revenue TTM 41.7b - Cost of Revenue TTM 1.34b) / Revenue TTM)
Tobins Q-Ratio = 0.20 (Enterprise Value 225b / Total Assets 1138b)
Interest Expense / Debt = 16.81% (Interest Expense 36.4b / Debt 216b)
Taxrate = 28.88% (652.0m / 2.26b)
NOPAT = 6.60b (EBIT 9.28b * (1 - 28.88%))
Current Ratio = 0.08 (Total Current Assets 68.6b / Total Current Liabilities 885b)
Debt / Equity = 4.25 (Debt 216b / totalStockholderEquity, last quarter 50.9b)
Debt / EBITDA = 14.85 (Net Debt 148b / EBITDA 9.95b)
Debt / FCF = -773.6 (out of range, set to none) (Net Debt 148b / FCF TTM -191.0m)
Total Stockholder Equity = 50.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.58% (Net Income 6.43b / Total Assets 1138b)
RoE = 12.71% (Net Income TTM 6.43b / Total Stockholder Equity 50.6b)
RoCE = 3.98% (EBIT 9.28b / Capital Employed (Equity 50.6b + L.T.Debt 183b))
RoIC = 1.76% (NOPAT 6.60b / Invested Capital 375b)
WACC = 10.85% (E(77.1b)/V(293b) * Re(7.75%) + D(216b)/V(293b) * Rd(16.81%) * (1-Tc(0.29)))
Discount Rate = 7.75% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -6.27%
[DCF] Fair Price = unknown (Cash Flow -191.0m)
EPS Correlation: 61.59 | EPS CAGR: 5.46% | SUE: 1.22 | # QB: 3
Revenue Correlation: 77.99 | Revenue CAGR: 33.64% | SUE: -0.00 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.63 | Chg30d=+2.64% | Revisions=+11% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.66 | Chg30d=+0.60% | Revisions=-11% | Analysts=5
EPS current Year (2026-12-31): EPS=2.40 | Chg30d=+1.92% | Revisions=+43% | GrowthEPS=+13.3% | GrowthRev=+5.2%
EPS next Year (2027-12-31): EPS=2.79 | Chg30d=+2.52% | Revisions=+60% | GrowthEPS=+16.3% | GrowthRev=+7.3%
[Analyst] Revisions Ratio: +60%