ING GROEP NV(AMS:INGA) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, INGA scores 3 out of 10 in our fundamental rating. INGA was compared to 93 industry peers in the Banks industry. INGA may be in some trouble as it scores bad on both profitability and health. INGA has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

INGA had positive earnings in the past year.

INGA had positive earnings in each of the past 5 years.

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

1.2 Ratios

The Return On Assets of INGA (0.97%) is better than 65.59% of its industry peers.

Looking at the Return On Equity, with a value of 19.58%, INGA belongs to the top of the industry, outperforming 91.40% of the companies in the same industry.

		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

With a decent Profit Margin value of 28.25%, INGA is doing good in the industry, outperforming 75.27% of the companies in the same industry.

INGA's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for INGA so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.25%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y5.74%

PM growth 5Y2.19%

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

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

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

Compared to 5 years ago, INGA has less shares outstanding

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

2.2 Solvency

A Debt/Equity ratio of 3.18 is on the high side and indicates that INGA has dependencies on debt financing.

INGA's Debt to Equity ratio of 3.18 is on the low side compared to the rest of the industry. INGA is outperformed by 68.82% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.18
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC15.1%

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

INGA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.10%.

The Earnings Per Share has been growing by 9.88% on average over the past years. This is quite good.

The Revenue has decreased by -1.78% in the past year.

Measured over the past years, INGA shows a small growth in Revenue. The Revenue has been growing by 3.70% on average per year.

EPS 1Y (TTM)-3.1%

EPS 3Y17.64%

EPS 5Y9.88%

EPS Q2Q%-16.35%

Revenue 1Y (TTM)-1.78%

Revenue growth 3Y4.22%

Revenue growth 5Y3.7%

Sales Q2Q%2.95%

3.2 Future

INGA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.97% yearly.

The Revenue is expected to grow by 1.12% on average over the next years.

EPS Next Y2.98%

EPS Next 2Y8.64%

EPS Next 3Y10.28%

EPS Next 5Y1.97%

Revenue Next Year-0.92%

Revenue Next 2Y1.89%

Revenue Next 3Y2.85%

Revenue Next 5Y1.12%

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 decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.48, the valuation of INGA can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of INGA is on the same level as its industry peers.

INGA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.

INGA is valuated reasonably with a Price/Forward Earnings ratio of 9.22.

64.52% of the companies in the same industry are more expensive than INGA, based on the Price/Forward Earnings ratio.

INGA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	9.48
Fwd PE	9.22

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 INGA does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)3.19

PEG (5Y)0.96

EPS Next 2Y8.64%

EPS Next 3Y10.28%

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5. Dividend

5.1 Amount

INGA has a Yearly Dividend Yield of 5.65%, which is a nice return.

INGA's Dividend Yield is a higher than the industry average which is at 5.02.

Compared to an average S&P500 Dividend Yield of 2.33, INGA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.65%

5.2 History

The dividend of INGA has a limited annual growth rate of 5.21%.

Dividend Growth(5Y)5.21%

Div Incr Years4

Div Non Decr Years4

5.3 Sustainability

INGA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y8.64%

EPS Next 3Y10.28%

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ING GROEP NV

AMS:INGA (3/7/2025, 7:00:00 PM)

18.87

+0.12 (+0.66%)

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 Cap57.62B

Analysts71.11

Price Target18.6 (-1.43%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.65%

Yearly Dividend0.85

Dividend Growth(5Y)5.21%

DP0%

Div Incr Years4

Div Non Decr Years4

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.87%

Min EPS beat(2)-7.94%

Max EPS beat(2)9.69%

EPS beat(4)3

Avg EPS beat(4)4.19%

Min EPS beat(4)-7.94%

Max EPS beat(4)9.69%

EPS beat(8)7

Avg EPS beat(8)9.77%

EPS beat(12)9

Avg EPS beat(12)7.68%

EPS beat(16)12

Avg EPS beat(16)8.79%

Revenue beat(2)2

Avg Revenue beat(2)0.79%

Min Revenue beat(2)0.17%

Max Revenue beat(2)1.41%

Revenue beat(4)4

Avg Revenue beat(4)0.97%

Min Revenue beat(4)0.17%

Max Revenue beat(4)2%

Revenue beat(8)6

Avg Revenue beat(8)0.51%

Revenue beat(12)8

Avg Revenue beat(12)18.34%

Revenue beat(16)12

Avg Revenue beat(16)16.18%

PT rev (1m)0.43%

PT rev (3m)0.41%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-2.35%

EPS NY rev (1m)0.8%

EPS NY rev (3m)-2.42%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.11%

Revenue NY rev (1m)-0.09%

Revenue NY rev (3m)-0.52%

Valuation

		Industry Rank	Sector Rank
PE	9.48
Fwd PE	9.22
P/S	1.65
P/FCF	N/A
P/OCF	N/A
P/B	1.15
P/tB	1.18
EV/EBITDA	N/A

EPS(TTM)1.99

EY10.55%

EPS(NY)2.05

Fwd EY10.84%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS11.42

BVpS16.48

TBVpS16.04

PEG (NY)3.19

PEG (5Y)0.96

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)	28.25%
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 3Y5.74%

PM growth 5Y2.19%

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.18
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
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-ScoreN/A

WACC15.1%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-3.1%

EPS 3Y17.64%

EPS 5Y9.88%

EPS Q2Q%-16.35%

EPS Next Y2.98%

EPS Next 2Y8.64%

EPS Next 3Y10.28%

EPS Next 5Y1.97%

Revenue 1Y (TTM)-1.78%

Revenue growth 3Y4.22%

Revenue growth 5Y3.7%

Sales Q2Q%2.95%

Revenue Next Year-0.92%

Revenue Next 2Y1.89%

Revenue Next 3Y2.85%

Revenue Next 5Y1.12%

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 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

ING GROEP NV (INGA.AS) 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

More info and screens