(INGA) ING Groep - Ratings and Ratios
Banking, Lending, Mortgages, Investments, Insurance
INGA EPS (Earnings per Share)
INGA Revenue
Description: INGA ING Groep
ING Groep N.V. (ticker INGA) is a diversified European bank headquartered in Amsterdam, operating across retail and wholesale segments in the Netherlands, Belgium, Germany, the rest of Europe, and globally. Its product suite spans current and savings accounts, time deposits, consumer and SME lending (including residential mortgages), corporate financing, payments, cash-management, trade finance, treasury services, as well as investment, insurance, and digital banking solutions for individuals, corporates, and financial institutions.
Key financial indicators (as of FY 2023) include a cost-to-income ratio of roughly 58 %, a CET1 capital ratio of 15.2 %-well above the EU regulatory minimum-and a net interest margin (NIM) of 1.7 %, reflecting modest pressure from a low-rate environment. The bank’s loan-to-deposit ratio sits near 92 %, indicating a balanced funding profile, while digital channel usage has grown to over 70 % of total transactions, underscoring the sector’s shift toward fintech integration. Macro-driven factors such as ECB policy rate adjustments, European credit-growth trends, and tightening Basel III capital requirements remain pivotal to ING’s earnings outlook.
For a deeper quantitative assessment of ING’s valuation metrics, the ValueRay platform offers a granular data set worth exploring.
INGA Stock Overview
Market Cap in USD | 72,005m |
Sub-Industry | Diversified Banks |
IPO / Inception |
INGA Stock Ratings
Growth Rating | 96.1% |
Fundamental | 49.0% |
Dividend Rating | 75.3% |
Return 12m vs S&P 500 | 19.1% |
Analyst Rating | - |
INGA Dividends
Dividend Yield 12m | 5.96% |
Yield on Cost 5y | 27.32% |
Annual Growth 5y | 41.55% |
Payout Consistency | 73.5% |
Payout Ratio | 61.4% |
INGA Growth Ratios
Growth Correlation 3m | 60.7% |
Growth Correlation 12m | 95.5% |
Growth Correlation 5y | 93.3% |
CAGR 5y | 31.93% |
CAGR/Max DD 3y (Calmar Ratio) | 1.38 |
CAGR/Mean DD 3y (Pain Ratio) | 6.85 |
Sharpe Ratio 12m | 1.35 |
Alpha | 20.88 |
Beta | 1.280 |
Volatility | 20.55% |
Current Volume | 9882.8k |
Average Volume 20d | 6657k |
Stop Loss | 19.8 (-3.4%) |
Signal | -0.27 |
Piotroski VR‑10 (Strict, 0-10) 3.0
Net Income (6.16b 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 6.16b (YES >=105%, WARN >=100%) |
Net Debt (92.02b) to EBITDA (9.61b) ratio: 9.58 <= 3.0 (WARN <= 3.5) |
error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
Outstanding Shares last Quarter (2.98b) change vs 12m ago -7.99% (target <= -2.0% for YES) |
Gross Margin 100.0% (prev 73.95%; Δ 26.05pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
Asset Turnover 2.13% (prev 2.16%; Δ -0.03pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
Interest Coverage Ratio 0.20 (EBITDA TTM 9.61b / Interest Expense TTM 43.88b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 49.02
1. Piotroski 3.0pt = -2.0 |
2. FCF Yield 165.3% = 5.0 |
3. FCF Margin data missing |
4. Debt/Equity data missing |
5. Debt/Ebitda 9.58 = -2.50 |
6. ROIC - WACC (= -7.74)% = -9.68 |
7. RoE 12.18% = 1.02 |
8. Rev. Trend 60.92% = 4.57 |
9. EPS Trend 52.26% = 2.61 |
What is the price of INGA shares?
Over the past week, the price has changed by -1.80%, over one month by -4.50%, over three months by +6.60% and over the past year by +37.52%.
Is ING Groep a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of INGA is around 25.20 EUR . This means that INGA is currently undervalued and has a potential upside of +22.99% (Margin of Safety).
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 | 22.4 | 9.1% |
Analysts Target Price | - | - |
ValueRay Target Price | 28.7 | 39.9% |
INGA Fundamental Data Overview
Market Cap EUR = 61.73b (61.73b EUR * 1.0 EUR.EUR)
P/E Trailing = 10.5151
P/E Forward = 9.5694
P/S = 3.1503
P/B = 1.3099
P/EG = 1.5188
Beta = 1.28
Revenue TTM = 22.66b EUR
EBIT TTM = 8.93b EUR
EBITDA TTM = 9.61b EUR
Long Term Debt = 167.58b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 92.02b EUR (from netDebt column, last quarter)
Enterprise Value = -13.84b EUR (61.73b + (null Debt) - CCE 75.56b)
Interest Coverage Ratio = 0.20 (Ebit TTM 8.93b / Interest Expense TTM 43.88b)
FCF Yield = 165.3% (FCF TTM -22.88b / Enterprise Value -13.84b)
FCF Margin = -101.0% (FCF TTM -22.88b / Revenue TTM 22.66b)
Net Margin = 27.21% (Net Income TTM 6.16b / Revenue TTM 22.66b)
Gross Margin = 100.0% ((Revenue TTM 22.66b - 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 -13.84b / Total Assets 1086.76b)
Interest Expense / Debt = unknown (Interest Expense 43.88b / Debt none)
Taxrate = 26.72% (633.0m / 2.37b)
NOPAT = 6.55b (EBIT 8.93b * (1 - 26.72%))
Current Ratio = unknown (Total Current Assets 123.94b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = 9.58 (Net Debt 92.02b / EBITDA 9.61b)
Debt / FCF = -4.02 (negative FCF - burning cash) (Net Debt 92.02b / FCF TTM -22.88b)
Total Stockholder Equity = 50.60b (last 4 quarters mean from totalStockholderEquity)
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 = 4.09% (EBIT 8.93b / Capital Employed (Equity 50.60b + L.T.Debt 167.58b))
RoIC = 2.99% (NOPAT 6.55b / Invested Capital 219.24b)
WACC = 10.73% (E(61.73b)/V(61.73b) * Re(10.73%) + (debt-free company))
Discount Rate = 10.73% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.90%
Fair Price DCF = unknown (Cash Flow -22.88b)
EPS Correlation: 52.26 | EPS CAGR: 32.18% | SUE: 0.84 | # QB: 0
Revenue Correlation: 60.92 | Revenue CAGR: 9.79% | SUE: 0.66 | # QB: 0