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ING GROEP NV (1INGA.MI) Stock Fundamental Analysis

BIT:1INGA - Euronext Milan - NL0011821202 - Common Stock - Currency: EUR

17.77  +2.42 (+15.75%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1INGA. 1INGA was compared to 99 industry peers in the Banks industry. 1INGA has a bad profitability rating. Also its financial health evaluation is rather negative. 1INGA has a decent growth rate and is not valued too expensively. Finally 1INGA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year 1INGA was profitable.
In the past year 1INGA has reported a negative cash flow from operations.
In the past 5 years 1INGA has always been profitable.
In the past 5 years 1INGA reported 4 times negative operating cash flow.
1INGA.MI Yearly Net Income VS EBIT VS OCF VS FCF1INGA.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B 80B 100B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.00%, 1INGA is in the better half of the industry, outperforming 63.95% of the companies in the same industry.
1INGA has a Return On Equity of 20.86%. This is amongst the best in the industry. 1INGA outperforms 94.19% of its industry peers.
Industry RankSector Rank
ROA 1%
ROE 20.86%
ROIC N/A
ROA(3y)0.54%
ROA(5y)0.49%
ROE(3y)10.15%
ROE(5y)8.78%
ROIC(3y)N/A
ROIC(5y)N/A
1INGA.MI Yearly ROA, ROE, ROIC1INGA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

1INGA has a Profit Margin of 29.46%. This is in the better half of the industry: 1INGA outperforms 76.74% of its industry peers.
In the last couple of years the Profit Margin of 1INGA has grown nicely.
1INGA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y32.57%
PM growth 5Y4.76%
GM growth 3YN/A
GM growth 5YN/A
1INGA.MI Yearly Profit, Operating, Gross Margins1INGA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

1INGA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1INGA has been reduced compared to 1 year ago.
The number of shares outstanding for 1INGA has been reduced compared to 5 years ago.
Compared to 1 year ago, 1INGA has a worse debt to assets ratio.
1INGA.MI Yearly Shares Outstanding1INGA.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
1INGA.MI Yearly Total Debt VS Total Assets1INGA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

2.2 Solvency

A Debt/Equity ratio of 3.13 is on the high side and indicates that 1INGA has dependencies on debt financing.
1INGA has a Debt to Equity ratio of 3.13. This is in the lower half of the industry: 1INGA underperforms 76.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.13
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.52%
1INGA.MI Yearly LT Debt VS Equity VS FCF1INGA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B 150B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1INGA.MI Yearly Current Assets VS Current Liabilites1INGA.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B 50B

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4

3. Growth

3.1 Past

1INGA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.42%, which is quite good.
Measured over the past years, 1INGA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.08% on average per year.
The Revenue has been growing slightly by 6.23% in the past year.
The Revenue has been growing slightly by 4.19% on average over the past years.
EPS 1Y (TTM)8.42%
EPS 3Y48.19%
EPS 5Y8.08%
EPS Q2Q%5.36%
Revenue 1Y (TTM)6.23%
Revenue growth 3Y7.97%
Revenue growth 5Y4.19%
Sales Q2Q%1.15%

3.2 Future

The Earnings Per Share is expected to grow by 1.18% on average over the next years.
Based on estimates for the next years, 1INGA will show a small growth in Revenue. The Revenue will grow by 1.13% on average per year.
EPS Next Y-1.27%
EPS Next 2Y1.12%
EPS Next 3Y5.06%
EPS Next 5Y1.18%
Revenue Next Year0.02%
Revenue Next 2Y-0.59%
Revenue Next 3Y1.01%
Revenue Next 5Y1.13%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1INGA.MI Yearly Revenue VS Estimates1INGA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
1INGA.MI Yearly EPS VS Estimates1INGA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.63, which indicates a very decent valuation of 1INGA.
Based on the Price/Earnings ratio, 1INGA is valued a bit cheaper than 65.12% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1INGA to the average of the S&P500 Index (29.35), we can say 1INGA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.48, the valuation of 1INGA can be described as reasonable.
76.74% of the companies in the same industry are more expensive than 1INGA, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of 1INGA to the average of the S&P500 Index (22.10), we can say 1INGA is valued rather cheaply.
Industry RankSector Rank
PE 8.63
Fwd PE 8.48
1INGA.MI Price Earnings VS Forward Price Earnings1INGA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1INGA.MI Per share data1INGA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.07
EPS Next 2Y1.12%
EPS Next 3Y5.06%

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7

5. Dividend

5.1 Amount

1INGA has a Yearly Dividend Yield of 6.20%, which is a nice return.
1INGA's Dividend Yield is rather good when compared to the industry average which is at 5.06. 1INGA pays more dividend than 81.40% of the companies in the same industry.
1INGA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 6.2%

5.2 History

The dividend of 1INGA has a limited annual growth rate of 5.21%.
Dividend Growth(5Y)5.21%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1INGA pays out 35.91% of its income as dividend. This is a sustainable payout ratio.
The dividend of 1INGA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP35.91%
EPS Next 2Y1.12%
EPS Next 3Y5.06%
1INGA.MI Yearly Income VS Free CF VS Dividend1INGA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B 80B 100B
1INGA.MI Dividend Payout.1INGA.MI Dividend Payout, showing the Payout Ratio.1INGA.MI Dividend Payout.PayoutRetained Earnings

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ING GROEP NV

BIT:1INGA (3/3/2025, 7:00:00 PM)

17.77

+2.42 (+15.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06 2025-02-06/bmo
Earnings (Next)05-02 2025-05-02/bmo
Inst Owners49.1%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap54.57B
Analysts73.57
Price Target18.59 (4.61%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.2%
Yearly Dividend0.85
Dividend Growth(5Y)5.21%
DP35.91%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.5%
Min EPS beat(2)5.92%
Max EPS beat(2)9.08%
EPS beat(4)4
Avg EPS beat(4)4.66%
Min EPS beat(4)0.27%
Max EPS beat(4)9.08%
EPS beat(8)6
Avg EPS beat(8)6.67%
EPS beat(12)9
Avg EPS beat(12)6.89%
EPS beat(16)12
Avg EPS beat(16)10.96%
Revenue beat(2)2
Avg Revenue beat(2)1.16%
Min Revenue beat(2)0.32%
Max Revenue beat(2)2%
Revenue beat(4)2
Avg Revenue beat(4)-0.58%
Min Revenue beat(4)-4.49%
Max Revenue beat(4)2%
Revenue beat(8)5
Avg Revenue beat(8)26.63%
Revenue beat(12)8
Avg Revenue beat(12)29.04%
Revenue beat(16)11
Avg Revenue beat(16)23.45%
PT rev (1m)-2.71%
PT rev (3m)-2.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.68%
EPS NY rev (1m)0%
EPS NY rev (3m)0.01%
Revenue NQ rev (1m)0.57%
Revenue NQ rev (3m)-0.34%
Revenue NY rev (1m)1.19%
Revenue NY rev (3m)0.85%
Valuation
Industry RankSector Rank
PE 8.63
Fwd PE 8.48
P/S 1.55
P/FCF N/A
P/OCF N/A
P/B 1.1
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)2.06
EY11.59%
EPS(NY)2.1
Fwd EY11.8%
FCF(TTM)-3.3
FCFYN/A
OCF(TTM)-3.19
OCFYN/A
SpS11.47
BVpS16.2
TBVpS15.8
PEG (NY)N/A
PEG (5Y)1.07
Profitability
Industry RankSector Rank
ROA 1%
ROE 20.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.46%
GM N/A
FCFM N/A
ROA(3y)0.54%
ROA(5y)0.49%
ROE(3y)10.15%
ROE(5y)8.78%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y32.57%
PM growth 5Y4.76%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.13
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 48.6%
Cap/Sales 0.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.52%
ROIC/WACCN/A
Cap/Depr(3y)30.35%
Cap/Depr(5y)34.13%
Cap/Sales(3y)1.03%
Cap/Sales(5y)1.3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.42%
EPS 3Y48.19%
EPS 5Y8.08%
EPS Q2Q%5.36%
EPS Next Y-1.27%
EPS Next 2Y1.12%
EPS Next 3Y5.06%
EPS Next 5Y1.18%
Revenue 1Y (TTM)6.23%
Revenue growth 3Y7.97%
Revenue growth 5Y4.19%
Sales Q2Q%1.15%
Revenue Next Year0.02%
Revenue Next 2Y-0.59%
Revenue Next 3Y1.01%
Revenue Next 5Y1.13%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-17.21%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-194.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-189.55%
OCF growth 3YN/A
OCF growth 5YN/A