ING GROEP NV (1INGA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1INGA - NL0011821202 - Common Stock
22.705 EUR
-0.08 (-0.33%)
Overall 1INGA gets a fundamental rating of 3 out of 10. We evaluated 1INGA against 114 industry peers in the Banks industry. 1INGA may be in some trouble as it scores bad on both profitability and health. 1INGA is valued correctly, but it does not seem to be growing. Finally 1INGA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year 1INGA was profitable.
1INGA had a negative operating cash flow in the past year.
In the past 5 years 1INGA has always been profitable.
1INGA had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of 1INGA (0.87%) is comparable to the rest of the industry.
With an excellent Return On Equity value of 19.34%, 1INGA belongs to the best of the industry, outperforming 90.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 19.34% | ||
| ROIC | N/A |
ROA(3y)0.58%
ROA(5y)0.5%
ROE(3y)11.43%
ROE(5y)9.54%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
1INGA has a better Profit Margin (26.45%) than 69.91% of its industry peers.
1INGA's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for 1INGA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.45% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.36%
PM growth 5Y1.88%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1INGA does not have a ROIC to compare to the WACC, probably because it is not profitable.
1INGA has less shares outstanding than it did 1 year ago.
1INGA has less shares outstanding than it did 5 years ago.
1INGA has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 3.41 is on the high side and indicates that 1INGA has dependencies on debt financing.
1INGA's Debt to Equity ratio of 3.41 is on the low side compared to the rest of the industry. 1INGA is outperformed by 75.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1INGA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.94%.
Measured over the past years, 1INGA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.03% on average per year.
1INGA shows a small growth in Revenue. In the last year, the Revenue has grown by 0.93%.
1INGA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.03% yearly.
EPS 1Y (TTM)-1.94%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%1.69%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
3.2 Future
The Earnings Per Share is expected to grow by 6.94% on average over the next years.
1INGA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.47% yearly.
EPS Next Y2.32%
EPS Next 2Y8.48%
EPS Next 3Y10.46%
EPS Next 5Y6.94%
Revenue Next Year0.03%
Revenue Next 2Y3.07%
Revenue Next 3Y3.99%
Revenue Next 5Y3.47%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.24 indicates a reasonable valuation of 1INGA.
1INGA's Price/Earnings ratio is in line with the industry average.
1INGA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.57.
With a Price/Forward Earnings ratio of 9.65, the valuation of 1INGA can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1INGA indicates a somewhat cheap valuation: 1INGA is cheaper than 79.65% of the companies listed in the same industry.
1INGA is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.84
PEG (5Y)1.12
EPS Next 2Y8.48%
EPS Next 3Y10.46%
5. Dividend
5.1 Amount
1INGA has a Yearly Dividend Yield of 4.51%, which is a nice return.
1INGA's Dividend Yield is a higher than the industry average which is at 4.17.
Compared to an average S&P500 Dividend Yield of 2.00, 1INGA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
5.2 History
On average, the dividend of 1INGA grows each year by 12.43%, which is quite nice.
Dividend Growth(5Y)12.43%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
42.45% of the earnings are spent on dividend by 1INGA. This is a bit on the high side, but may be sustainable.
The dividend of 1INGA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.45%
EPS Next 2Y8.48%
EPS Next 3Y10.46%
BIT:1INGA (12/4/2025, 7:00:00 PM)
22.705
-0.08 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners50.03%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap66.00B
Revenue(TTM)35.90B
Net Income(TTM)9.50B
Analysts77.69
Price Target23.81 (4.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
Yearly Dividend1.2
Dividend Growth(5Y)12.43%
DP42.45%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.28%
Min EPS beat(2)-0.07%
Max EPS beat(2)6.63%
EPS beat(4)2
Avg EPS beat(4)2.91%
Min EPS beat(4)-4.62%
Max EPS beat(4)9.69%
EPS beat(8)6
Avg EPS beat(8)3.78%
EPS beat(12)8
Avg EPS beat(12)5.41%
EPS beat(16)11
Avg EPS beat(16)5.9%
Revenue beat(2)0
Avg Revenue beat(2)-1.07%
Min Revenue beat(2)-1.31%
Max Revenue beat(2)-0.83%
Revenue beat(4)1
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-2.65%
Max Revenue beat(4)1.41%
Revenue beat(8)3
Avg Revenue beat(8)-0.71%
Revenue beat(12)6
Avg Revenue beat(12)17.47%
Revenue beat(16)9
Avg Revenue beat(16)27.87%
PT rev (1m)5.12%
PT rev (3m)7.49%
EPS NQ rev (1m)14.87%
EPS NQ rev (3m)32.02%
EPS NY rev (1m)0.54%
EPS NY rev (3m)3.31%
Revenue NQ rev (1m)2.16%
Revenue NQ rev (3m)2.14%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)0.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 9.65 | ||
| P/S | 1.84 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.34 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.02
EY8.9%
EPS(NY)2.35
Fwd EY10.37%
FCF(TTM)-6.29
FCFYN/A
OCF(TTM)-6.19
OCFYN/A
SpS12.35
BVpS16.9
TBVpS16.41
PEG (NY)4.84
PEG (5Y)1.12
Graham Number27.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 19.34% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.45% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.58%
ROA(5y)0.5%
ROE(3y)11.43%
ROE(5y)9.54%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.36%
PM growth 5Y1.88%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 42.26% | ||
| Cap/Sales | 0.79% | ||
| 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-Score2
WACC16.34%
ROIC/WACCN/A
Cap/Depr(3y)39.44%
Cap/Depr(5y)35%
Cap/Sales(3y)1.18%
Cap/Sales(5y)1.19%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1.94%
EPS 3Y17.91%
EPS 5Y10.03%
EPS Q2Q%1.69%
EPS Next Y2.32%
EPS Next 2Y8.48%
EPS Next 3Y10.46%
EPS Next 5Y6.94%
Revenue 1Y (TTM)0.93%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-0.19%
Revenue Next Year0.03%
Revenue Next 2Y3.07%
Revenue Next 3Y3.99%
Revenue Next 5Y3.47%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.79%
OCF growth 3YN/A
OCF growth 5YN/A
ING GROEP NV / 1INGA.MI FAQ
What is the fundamental rating for 1INGA stock?
ChartMill assigns a fundamental rating of 3 / 10 to 1INGA.MI.
What is the valuation status of ING GROEP NV (1INGA.MI) stock?
ChartMill assigns a valuation rating of 4 / 10 to ING GROEP NV (1INGA.MI). This can be considered as Fairly Valued.
Can you provide the profitability details for ING GROEP NV?
ING GROEP NV (1INGA.MI) has a profitability rating of 3 / 10.
What is the valuation of ING GROEP NV based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ING GROEP NV (1INGA.MI) is 11.24 and the Price/Book (PB) ratio is 1.34.
Is the dividend of ING GROEP NV sustainable?
The dividend rating of ING GROEP NV (1INGA.MI) is 7 / 10 and the dividend payout ratio is 42.45%.