ING GROEP N.V.-SPONSORED ADR(NYSE:ING) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, ING scores 3 out of 10 in our fundamental rating. ING was compared to 398 industry peers in the Banks industry. ING has a bad profitability rating. Also its financial health evaluation is rather negative. ING has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally ING also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year ING was profitable.

In the past year ING has reported a negative cash flow from operations.

In the past 5 years ING has always been profitable.

In the past 5 years ING reported 4 times negative operating cash flow.

1.2 Ratios

ING's Return On Assets of 0.97% is fine compared to the rest of the industry. ING outperforms 63.32% of its industry peers.

ING's Return On Equity of 19.58% is amongst the best of the industry. ING outperforms 97.49% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.97%
ROE	19.58%
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

ING has a Profit Margin of 27.59%. This is in the better half of the industry: ING outperforms 73.62% of its industry peers.

In the last couple of years the Profit Margin of ING has grown nicely.

ING does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.59%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ING does not have a ROIC to compare to the WACC, probably because it is not profitable.

ING has less shares outstanding than it did 1 year ago.

ING has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, ING has a worse debt to assets ratio.

2.2 Solvency

ING has a Debt/Equity ratio of 2.08. This is a high value indicating a heavy dependency on external financing.

ING has a worse Debt to Equity ratio (2.08) than 90.95% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.08
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC16.95%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ING shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.44%.

ING shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.03% yearly.

The Revenue has been growing slightly by 0.58% in the past year.

ING shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.03% yearly.

EPS 1Y (TTM)-2.44%

EPS 3Y17.91%

EPS 5Y10.03%

EPS Q2Q%-13.33%

Revenue 1Y (TTM)0.58%

Revenue growth 3Y6.62%

Revenue growth 5Y4.03%

Sales Q2Q%-0.02%

3.2 Future

Based on estimates for the next years, ING will show a decrease in Earnings Per Share. The EPS will decrease by -0.18% on average per year.

Based on estimates for the next years, ING will show a decrease in Revenue. The Revenue will decrease by -0.65% on average per year.

EPS Next Y-1.22%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

EPS Next 5Y-0.18%

Revenue Next Year-1.27%

Revenue Next 2Y1.88%

Revenue Next 3Y2.89%

Revenue Next 5Y-0.65%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.17, which indicates a very decent valuation of ING.

Based on the Price/Earnings ratio, ING is valued cheaper than 90.20% of the companies in the same industry.

ING's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.78.

With a Price/Forward Earnings ratio of 8.26, the valuation of ING can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ING indicates a somewhat cheap valuation: ING is cheaper than 74.62% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of ING to the average of the S&P500 Index (21.32), we can say ING is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.17
Fwd PE	8.26

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.81

EPS Next 2Y6.95%

EPS Next 3Y9.11%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.37%, ING is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.52, ING pays a better dividend. On top of this ING pays more dividend than 93.97% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.46, ING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.37%

5.2 History

On average, the dividend of ING grows each year by 12.43%, which is quite nice.

ING has been paying a dividend for at least 10 years, so it has a reliable track record.

ING has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)12.43%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

ING pays out 39.38% of its income as dividend. This is a sustainable payout ratio.

DP39.38%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

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ING GROEP N.V.-SPONSORED ADR

NYSE:ING (4/28/2025, 2:25:14 PM)

19.368

+0.19 (+0.98%)

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 Change0.34%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap58.63B

Analysts74.62

Price Target22.48 (16.07%)

Short Float %0.17%

Short Ratio1.45

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.37%

Yearly Dividend1.43

Dividend Growth(5Y)12.43%

DP39.38%

Div Incr Years3

Div Non Decr Years3

Ex-Date04-25 2025-04-25 (0.767794)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.53%

Min EPS beat(2)-4.62%

Max EPS beat(2)9.69%

EPS beat(4)3

Avg EPS beat(4)5.02%

Min EPS beat(4)-4.62%

Max EPS beat(4)9.69%

EPS beat(8)7

Avg EPS beat(8)10.18%

EPS beat(12)9

Avg EPS beat(12)7.96%

EPS beat(16)12

Avg EPS beat(16)9%

Revenue beat(2)1

Avg Revenue beat(2)-0.62%

Min Revenue beat(2)-2.65%

Max Revenue beat(2)1.41%

Revenue beat(4)3

Avg Revenue beat(4)0.27%

Min Revenue beat(4)-2.65%

Max Revenue beat(4)2%

Revenue beat(8)5

Avg Revenue beat(8)0.16%

Revenue beat(12)7

Avg Revenue beat(12)18.1%

Revenue beat(16)11

Avg Revenue beat(16)28.85%

PT rev (1m)16.88%

PT rev (3m)17.51%

EPS NQ rev (1m)4.71%

EPS NQ rev (3m)5.27%

EPS NY rev (1m)-0.37%

EPS NY rev (3m)-4.7%

Revenue NQ rev (1m)0.62%

Revenue NQ rev (3m)0.65%

Revenue NY rev (1m)-0.35%

Revenue NY rev (3m)-0.44%

Valuation

		Industry Rank	Sector Rank
PE	8.17
Fwd PE	8.26
P/S	1.45
P/FCF	N/A
P/OCF	N/A
P/B	1.03
P/tB	1.05
EV/EBITDA	N/A

EPS(TTM)2.37

EY12.24%

EPS(NY)2.35

Fwd EY12.11%

FCF(TTM)-8.58

FCFYN/A

OCF(TTM)-8.46

OCFYN/A

SpS13.39

BVpS18.88

TBVpS18.37

PEG (NY)N/A

PEG (5Y)0.81

Profitability

		Industry Rank	Sector Rank
ROA	0.97%
ROE	19.58%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.59%
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

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 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	2.08
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	49.33%
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-Score2

WACC16.95%

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)-2.44%

EPS 3Y17.91%

EPS 5Y10.03%

EPS Q2Q%-13.33%

EPS Next Y-1.22%

EPS Next 2Y6.95%

EPS Next 3Y9.11%

EPS Next 5Y-0.18%

Revenue 1Y (TTM)0.58%

Revenue growth 3Y6.62%

Revenue growth 5Y4.03%

Sales Q2Q%-0.02%

Revenue Next Year-1.27%

Revenue Next 2Y1.88%

Revenue Next 3Y2.89%

Revenue Next 5Y-0.65%

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 1Y-97.45%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-98.8%

OCF growth 3YN/A

OCF growth 5YN/A

ING GROEP N.V.-SPONSORED ADR (ING) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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