(ING) ING - Overview
Exchange: NYSE •
Country: Netherlands •
Currency: USD •
Type: Common Stock •
ISIN: US4568371037
Stock: Banking, Loans, Mortgages, Savings, Insurance
Total Rating 50
Risk 71
Buy Signal 0.19
| Risk 5d forecast | |
|---|---|
| Volatility | 25.9% |
| Relative Tail Risk | -4.50% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.08 |
| Alpha | 20.68 |
| Character TTM | |
|---|---|
| Beta | 0.702 |
| Beta Downside | 0.747 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.86% |
| CAGR/Max DD | 2.08 |
EPS (Earnings per Share)
Revenue
Description: ING ING February 27, 2026
ING Groep N.V. is a diversified European bank headquartered in Amsterdam, operating across five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. It offers a full suite of products-including current and savings accounts, time deposits, residential mortgages, SME loans, corporate financing, payments, cash-management, and digital banking-to individual consumers, businesses, and financial institutions.
In its latest quarter (Q4 2025), ING reported a net profit of €1.5 billion and a return on equity of 13%, supported by a CET1 capital ratio of 15.2%. Loan book growth accelerated to 4% year-over-year, while digital active users reached 12 million, reflecting strong adoption of its online platforms. The bank’s performance is being shaped by the European Central Bank’s policy rate, now at 3.5%, which is boosting net interest margins, and by the broader shift toward digital banking across the continent.
For a deeper dive into ING’s valuation and how these trends may affect its outlook, consider exploring additional analysis on ValueRay.
Headlines to watch out for
- Net interest income growth driven by rising European interest rates
- Loan loss provisions impact profitability amid economic slowdown
- Regulatory fines and compliance costs affect operating expenses
- Wholesale Banking performance sensitive to global economic conditions
- Mortgage lending volume and margins influence retail segment revenue
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 6.33b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 1.60 > 1.0 |
| NWC/Revenue: -1.72k% < 20% (prev -1.43k%; Δ -288.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 10.49b > Net Income 6.33b |
| Net Debt (116.44b) to EBITDA (9.15b): 12.73 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.92b) vs 12m ago -6.84% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 4.00% > 50% (prev 4.40%; Δ -0.40% > 0%) |
| Interest Coverage Ratio: 0.25 > 6 (EBITDA TTM 9.15b / Interest Expense TTM 36.37b) |
Altman Z'' -4.18
| A: -0.68 (Total Current Assets 106.31b - Total Current Liabilities 819.08b) / Total Assets 1054.40b |
| B: 0.03 (Retained Earnings 35.63b / Total Assets 1054.40b) |
| C: 0.01 (EBIT TTM 9.15b / Avg Total Assets 1037.47b) |
| D: 0.09 (Book Value of Equity 85.33b / Total Liabilities 1003.45b) |
| Altman-Z'' Score: -4.18 = D |
Beneish M
| DSRI: none (Receivables none/984.0m, Revenue 41.55b/44.90b) |
| GMI: 1.01 (GM 96.86% / 97.88%) |
| AQI: 1.01 (AQ_t 0.90 / AQ_t-1 0.88) |
| SGI: 0.93 (Revenue 41.55b / 44.90b) |
| TATA: -0.00 (NI 6.33b - CFO 10.49b) / TA 1054.40b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of ING shares?
As of March 20, 2026, the stock is trading at USD 25.94 with a total of 4,897,698 shares traded.
Over the past week, the price has changed by -1.14%, over one month by -10.64%, over three months by -6.29% and over the past year by +35.17%.
Over the past week, the price has changed by -1.14%, over one month by -10.64%, over three months by -6.29% and over the past year by +35.17%.
Is ING a buy, sell or hold?
ING has received a consensus analysts rating of 3.00.
Therefor, it is recommend to hold ING.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ING price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 29 | 11.6% |
| Analysts Target Price | 29 | 11.6% |
ING Fundamental Data Overview March 20, 2026
Market Cap EUR = 64.85b (74.34b USD * 0.8723 USD.EUR)
P/E Trailing = 10.5492
P/E Forward = 9.4787
P/S = 3.0394
P/B = 1.325
P/EG = 1.5048
Revenue TTM = 41.55b EUR
EBIT TTM = 9.15b EUR
EBITDA TTM = 9.15b EUR
Long Term Debt = 169.33b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 169.33b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 116.44b EUR (from netDebt column, last quarter)
Enterprise Value = 127.87b EUR (64.85b + Debt 169.33b - CCE 106.31b)
Interest Coverage Ratio = 0.25 (Ebit TTM 9.15b / Interest Expense TTM 36.37b)
EV/FCF = -19.00x (Enterprise Value 127.87b / FCF TTM -6.73b)
FCF Yield = -5.26% (FCF TTM -6.73b / Enterprise Value 127.87b)
FCF Margin = -16.20% (FCF TTM -6.73b / Revenue TTM 41.55b)
Net Margin = 15.23% (Net Income TTM 6.33b / Revenue TTM 41.55b)
Gross Margin = unknown ((Revenue TTM 41.55b - Cost of Revenue TTM 1.30b) / Revenue TTM)
Tobins Q-Ratio = 0.12 (Enterprise Value 127.87b / Total Assets 1054.40b)
Interest Expense / Debt = 21.48% (Interest Expense 36.37b / Debt 169.33b)
Taxrate = 28.93% (606.0m / 2.10b)
NOPAT = 6.50b (EBIT 9.15b * (1 - 28.93%))
Current Ratio = 0.13 (Total Current Assets 106.31b / Total Current Liabilities 819.08b)
Debt / Equity = 3.41 (Debt 169.33b / totalStockholderEquity, last quarter 49.70b)
Debt / EBITDA = 12.73 (Net Debt 116.44b / EBITDA 9.15b)
Debt / FCF = -17.30 (negative FCF - burning cash) (Net Debt 116.44b / FCF TTM -6.73b)
Total Stockholder Equity = 49.98b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 6.33b / Total Assets 1054.40b)
RoE = 12.66% (Net Income TTM 6.33b / Total Stockholder Equity 49.98b)
RoCE = 4.17% (EBIT 9.15b / Capital Employed (Equity 49.98b + L.T.Debt 169.33b))
RoIC = 2.97% (NOPAT 6.50b / Invested Capital 218.91b)
WACC = 13.39% (E(64.85b)/V(234.18b) * Re(8.50%) + D(169.33b)/V(234.18b) * Rd(21.48%) * (1-Tc(0.29)))
Discount Rate = 8.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.61%
[DCF] Fair Price = unknown (Cash Flow -6.73b)
EPS Correlation: 54.92 | EPS CAGR: 51.51% | SUE: 2.41 | # QB: 2
Revenue Correlation: 13.25 | Revenue CAGR: 6.37% | SUE: 0.01 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.71 | Chg7d=+0.710 | Chg30d=+0.710 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=2.73 | Chg7d=-0.042 | Chg30d=-0.042 | Revisions Net=-1 | Growth EPS=+7.9% | Growth Revenue=+4.3%
EPS next Year (2027-12-31): EPS=3.00 | Chg7d=-0.045 | Chg30d=-0.045 | Revisions Net=-1 | Growth EPS=+9.9% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Current Year)
[Growth] Implied Growth Rate = -1.0% (Discount Rate 8.5% - Earnings Yield 9.5%)
[Growth] Growth Spread = +7.1% (Analyst 6.1% - Implied -1.0%)
P/E Trailing = 10.5492
P/E Forward = 9.4787
P/S = 3.0394
P/B = 1.325
P/EG = 1.5048
Revenue TTM = 41.55b EUR
EBIT TTM = 9.15b EUR
EBITDA TTM = 9.15b EUR
Long Term Debt = 169.33b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 169.33b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 116.44b EUR (from netDebt column, last quarter)
Enterprise Value = 127.87b EUR (64.85b + Debt 169.33b - CCE 106.31b)
Interest Coverage Ratio = 0.25 (Ebit TTM 9.15b / Interest Expense TTM 36.37b)
EV/FCF = -19.00x (Enterprise Value 127.87b / FCF TTM -6.73b)
FCF Yield = -5.26% (FCF TTM -6.73b / Enterprise Value 127.87b)
FCF Margin = -16.20% (FCF TTM -6.73b / Revenue TTM 41.55b)
Net Margin = 15.23% (Net Income TTM 6.33b / Revenue TTM 41.55b)
Gross Margin = unknown ((Revenue TTM 41.55b - Cost of Revenue TTM 1.30b) / Revenue TTM)
Tobins Q-Ratio = 0.12 (Enterprise Value 127.87b / Total Assets 1054.40b)
Interest Expense / Debt = 21.48% (Interest Expense 36.37b / Debt 169.33b)
Taxrate = 28.93% (606.0m / 2.10b)
NOPAT = 6.50b (EBIT 9.15b * (1 - 28.93%))
Current Ratio = 0.13 (Total Current Assets 106.31b / Total Current Liabilities 819.08b)
Debt / Equity = 3.41 (Debt 169.33b / totalStockholderEquity, last quarter 49.70b)
Debt / EBITDA = 12.73 (Net Debt 116.44b / EBITDA 9.15b)
Debt / FCF = -17.30 (negative FCF - burning cash) (Net Debt 116.44b / FCF TTM -6.73b)
Total Stockholder Equity = 49.98b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 6.33b / Total Assets 1054.40b)
RoE = 12.66% (Net Income TTM 6.33b / Total Stockholder Equity 49.98b)
RoCE = 4.17% (EBIT 9.15b / Capital Employed (Equity 49.98b + L.T.Debt 169.33b))
RoIC = 2.97% (NOPAT 6.50b / Invested Capital 218.91b)
WACC = 13.39% (E(64.85b)/V(234.18b) * Re(8.50%) + D(169.33b)/V(234.18b) * Rd(21.48%) * (1-Tc(0.29)))
Discount Rate = 8.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.61%
[DCF] Fair Price = unknown (Cash Flow -6.73b)
EPS Correlation: 54.92 | EPS CAGR: 51.51% | SUE: 2.41 | # QB: 2
Revenue Correlation: 13.25 | Revenue CAGR: 6.37% | SUE: 0.01 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.71 | Chg7d=+0.710 | Chg30d=+0.710 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=2.73 | Chg7d=-0.042 | Chg30d=-0.042 | Revisions Net=-1 | Growth EPS=+7.9% | Growth Revenue=+4.3%
EPS next Year (2027-12-31): EPS=3.00 | Chg7d=-0.045 | Chg30d=-0.045 | Revisions Net=-1 | Growth EPS=+9.9% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Current Year)
[Growth] Implied Growth Rate = -1.0% (Discount Rate 8.5% - Earnings Yield 9.5%)
[Growth] Growth Spread = +7.1% (Analyst 6.1% - Implied -1.0%)