(ING) ING - Ratings and Ratios
Banking, Loans, Mortgages, Payments, Insurance
ING EPS (Earnings per Share)
ING Revenue
Description: ING ING
ING Groep N.V. (NYSE: ING) is a Dutch-headquartered universal bank that delivers a full suite of retail, wholesale and digital banking services across the Netherlands, Belgium, Germany, the rest of Europe and internationally.
The firm is organized into five operating segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. Each segment offers a mix of current and savings accounts, time deposits, consumer and SME lending (including residential mortgages), as well as corporate-focused solutions such as working-capital financing, trade finance, treasury services and capital-market execution.
Beyond core banking, ING provides ancillary products including investment and insurance solutions, and has been expanding its digital-only platforms to capture the growing demand for online banking among both retail and business clients.
Key recent performance metrics (2023) show a net profit of €5.5 billion, a Common Equity Tier 1 (CET1) capital ratio of 14.5 % and a return on equity (ROE) of roughly 13 %, reflecting strong profitability despite a low-interest-rate environment. Total assets stand at about €1.1 trillion, positioning ING among the larger European diversified banks.
Macro-level drivers that will likely shape ING’s outlook include Eurozone monetary policy (the ECB’s rate trajectory directly impacts net interest margins), the health of the regional housing market (a core source of mortgage income), and the pace of digital adoption, which can lower cost-to-serve while expanding customer reach.
Sector-wide, regulatory capital requirements and the ongoing consolidation trend in European banking remain material constraints and opportunities, respectively, for a bank with ING’s scale and diversified business model.
For a deeper quantitative assessment of ING’s valuation relative to peers, you may find ValueRay’s analytics worth a look.
ING Stock Overview
| Market Cap in USD | 71,188m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1996-11-18 |
ING Stock Ratings
| Growth Rating | 95.5% |
| Fundamental | 23.9% |
| Dividend Rating | 71.5% |
| Return 12m vs S&P 500 | 30.8% |
| Analyst Rating | 3.0 of 5 |
ING Dividends
| Dividend Yield 12m | 5.72% |
| Yield on Cost 5y | 24.99% |
| Annual Growth 5y | 19.20% |
| Payout Consistency | 69.7% |
| Payout Ratio | 73.2% |
ING Growth Ratios
| Growth Correlation 3m | 78.2% |
| Growth Correlation 12m | 93.5% |
| Growth Correlation 5y | 89.8% |
| CAGR 5y | 49.63% |
| CAGR/Max DD 3y (Calmar Ratio) | 2.12 |
| CAGR/Mean DD 3y (Pain Ratio) | 8.86 |
| Sharpe Ratio 12m | 1.49 |
| Alpha | 27.28 |
| Beta | 1.280 |
| Volatility | 31.79% |
| Current Volume | 2437.4k |
| Average Volume 20d | 1705.4k |
| Stop Loss | 23.2 (-3.3%) |
| Signal | -0.01 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (6.16b TTM) > 0 and > 6% of Revenue (6% = 5.10b TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA -0.99pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -853.6% (prev -979.7%; Δ 126.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -12.05b <= Net Income 6.16b (YES >=105%, WARN >=100%) |
| Net Debt (92.02b) to EBITDA (8.93b) ratio: 10.30 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.15 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.10b) change vs 12m ago -5.48% (target <= -2.0% for YES) |
| Gross Margin 98.53% (prev 98.69%; Δ -0.16pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.99% (prev 4.31%; Δ 3.68pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.00 (EBITDA TTM 8.93b / Interest Expense TTM 43.88b) >= 6 (WARN >= 3) |
Altman Z'' -4.22
| (A) -0.67 = (Total Current Assets 124.42b - Total Current Liabilities 849.99b) / Total Assets 1086.76b |
| (B) 0.03 = Retained Earnings (Balance) 35.12b / Total Assets 1086.76b |
| (C) -0.00 = EBIT TTM -1.00m / Avg Total Assets 1064.07b |
| (D) 0.05 = Book Value of Equity 49.12b / Total Liabilities 1036.61b |
| Total Rating: -4.22 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 23.89
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield -21.75% = -5.0 |
| 3. FCF Margin -26.91% = -7.50 |
| 4. Debt/Equity 3.41 = -1.36 |
| 5. Debt/Ebitda 10.30 = -2.50 |
| 6. ROIC - WACC (= -16.92)% = -12.50 |
| 7. RoE 12.18% = 1.02 |
| 8. Rev. Trend 48.97% = 3.67 |
| 9. EPS Trend 21.20% = 1.06 |
What is the price of ING shares?
Over the past week, the price has changed by -5.25%, over one month by -5.55%, over three months by +7.94% and over the past year by +47.97%.
Is ING a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ING is around 30.27 USD . This means that ING is currently undervalued and has a potential upside of +26.18% (Margin of Safety).
Is ING a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the ING price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 26.3 | 9.6% |
| Analysts Target Price | 26.3 | 9.6% |
| ValueRay Target Price | 36.3 | 51.3% |
Last update: 2025-10-13 02:03
ING Fundamental Data Overview
P/E Trailing = 10.3405
P/E Forward = 9.5785
P/S = 3.6331
P/B = 1.3115
P/EG = 1.5206
Beta = 1.28
Revenue TTM = 85.00b EUR
EBIT TTM = -1.00m EUR
EBITDA TTM = 8.93b EUR
Long Term Debt = 167.58b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 167.58b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 92.02b EUR (from netDebt column, last quarter)
Enterprise Value = 105.17b EUR (61.53b + Debt 167.58b - CCE 123.94b)
Interest Coverage Ratio = -0.00 (Ebit TTM -1.00m / Interest Expense TTM 43.88b)
FCF Yield = -21.75% (FCF TTM -22.88b / Enterprise Value 105.17b)
FCF Margin = -26.91% (FCF TTM -22.88b / Revenue TTM 85.00b)
Net Margin = 7.25% (Net Income TTM 6.16b / Revenue TTM 85.00b)
Gross Margin = 98.53% ((Revenue TTM 85.00b - Cost of Revenue TTM 1.25b) / Revenue TTM)
Gross Margin QoQ = 98.77% (prev 94.45%)
Tobins Q-Ratio = 0.10 (Enterprise Value 105.17b / Total Assets 1086.76b)
Interest Expense / Debt = 26.19% (Interest Expense 43.88b / Debt 167.58b)
Taxrate = 26.72% (633.0m / 2.37b)
NOPAT = -732.8k (EBIT -1.00m * (1 - 26.72%)) [loss with tax shield]
Current Ratio = 0.15 (Total Current Assets 124.42b / Total Current Liabilities 849.99b)
Debt / Equity = 3.41 (Debt 167.58b / totalStockholderEquity, last quarter 49.12b)
Debt / EBITDA = 10.30 (Net Debt 92.02b / EBITDA 8.93b)
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 = -0.00% (EBIT -1.00m / Capital Employed (Equity 50.60b + L.T.Debt 167.58b))
RoIC = -0.00% (negative operating profit) (NOPAT -732.8k / Invested Capital 216.74b)
WACC = 16.92% (E(61.53b)/V(229.11b) * Re(10.73%) + D(167.58b)/V(229.11b) * Rd(26.19%) * (1-Tc(0.27)))
Discount Rate = 10.73% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.78%
Fair Price DCF = unknown (Cash Flow -22.88b)
EPS Correlation: 21.20 | EPS CAGR: 40.75% | SUE: 0.14 | # QB: 0
Revenue Correlation: 48.97 | Revenue CAGR: 85.85% | SUE: 0.91 | # QB: 1
Additional Sources for ING Stock
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Fund Manager Positions: Dataroma | Stockcircle