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ING

NEUTRAL
$28.1 Live
ING Groep N.V. · NYSE
Target $30.8 (+9.6%)
$19.14 52W Range $31.18

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 29, 2026
Market cap
$80.74B
P/E
11.33
ROE
15.8%
Profit margin
34.0%
Debt/Equity
N/A
Dividend yield
4.5%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
ING presents a stark contrast between deep value and deteriorating fundamental health. While the stock trades significantly below its Graham Number ($34.91) and Intrinsic Value ($73.16), the Piotroski F-Score of 2/9 indicates weak financial health and operational deterioration. Despite anomalous YoY growth figures and a strong dividend profile, the bearish technical trend (0/100) and low insider sentiment suggest caution. The valuation is attractive, but the fundamental health score acts as a significant drag on a bullish rating.

Key Strengths

Trading at a discount to Graham Number ($34.91) and Intrinsic Value ($73.16)
Strong dividend yield of 4.50% with a sustainable payout ratio of 49.56%
Low Forward P/E of 9.06 suggesting attractive earnings pricing
Consistent recent earnings performance with 3 out of 4 quarters beating estimates
Strong long-term price appreciation (5Y Change: +206%)

Key Risks

Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Bearish technical trend (0/100) suggesting strong downward momentum
Low insider sentiment (40/100) indicating lack of internal confidence
Extreme volatility in historical earnings growth (YoY 3977% is an outlier/anomaly)
Low analyst coverage (only 3 analysts) reducing the reliability of the consensus
AI Fair Value Estimate
Based on comprehensive analysis
$32.5
+15.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
61
Strong
Value
85
Future
50
Past
70
Health
20
Dividend
80
AI Verdict
Value Trap Risk
Key drivers: Deep valuation discount, Poor Piotroski health score, Bearish technicals, Sustainable dividends
Confidence
80%
Value
85/100

Ref P/E, PEG, Graham Number

Positives
  • P/E 11.33 is low
  • Price is below Graham Number
  • Forward P/E suggests growth
Watchpoints
  • Price/Book of 1.29 is moderate
Future
50/100

Ref Growth rates

Positives
  • Recent quarterly beats
  • Strong YoY revenue growth
Watchpoints
  • Growth numbers appear anomalous/unsustainable
  • Bearish technical trend
Past
70/100

Ref Historical trends

Positives
  • Strong 5Y and 3Y price performance
  • Positive 1Y return of 49.4%
Watchpoints
  • Highly volatile historical EPS surprises
Health
20/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Positive ROE of 15.77%
Watchpoints
  • Piotroski F-Score of 2/9 is very weak
  • Lack of Altman Z-Score data
Dividend
80/100

Ref Yield, Payout

Positives
  • 4.5% yield
  • Payout ratio under 50%
Watchpoints
  • No 5-year average yield for trend analysis

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$28.1
Analyst Target
$30.8
Upside/Downside
+9.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for ING and closest competitors.

Updated 2026-04-28
ING
ING Groep N.V.
Primary
5Y
+206.0%
3Y
+172.3%
1Y
+49.4%
6M
+19.5%
1M
+17.0%
1W
-1.4%
BAM
Brookfield Asset Management Ltd.
Peer
5Y
+77.9%
3Y
+76.8%
1Y
-9.3%
6M
-17.4%
1M
-4.2%
1W
-2.9%
PNC
The PNC Financial Services Group, Inc.
Peer
5Y
+41.8%
3Y
+89.3%
1Y
+24.6%
6M
+7.5%
1M
-2.0%
1W
+1.9%
KKR
KKR & Co. Inc.
Peer
5Y
+90.0%
3Y
+80.5%
1Y
-21.7%
6M
-27.9%
1M
+1.2%
1W
+3.1%
ICE
Intercontinental Exchange, Inc.
Peer
5Y
+62.6%
3Y
+50.6%
1Y
-1.7%
6M
-13.2%
1M
-3.4%
1W
+2.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
11.33
Forward P/E
9.06
PEG Ratio
1.58
P/B Ratio
1.29
P/S Ratio
3.3
EV/Revenue
7.63
EV/EBITDA
N/A
Market Cap
$80.74B

Profitability

Profit margins and return metrics

Profit Margin 34.03%
Operating Margin 62.82%
Gross Margin N/A
ROE 15.77%
ROA 0.83%

Growth

Revenue and earnings growth rates

Revenue Growth +118.2%
Earnings Growth +3977.7%
Q/Q Revenue Growth +7.23%
Q/Q Earnings Growth +3449.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$49.51

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$5.8B
Net Margin
24.3%
Total Assets
$1054.4B
Liabilities
$1003.5B
Equity
$49.7B
Debt/Equity
20.19x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-30
$N/A
2026-01-28
$0.57
+18.4% surprise
2025-10-29
$0.7
+7.5% surprise
2025-07-31
$0.64
+6.2% surprise

Financial Services Sector Comparison

Comparing ING against 853 companies in the Financial Services sector (144 bullish, 363 neutral, 346 bearish)
P/E Ratio
11.33
This Stock
vs
35.08
Sector Avg
-67.7% (Discount)
Return on Equity (ROE)
15.77%
This Stock
vs
-0.46%
Sector Avg
-3502.3% (Below Avg)
Profit Margin
34.03%
This Stock
vs
93.89%
Sector Avg
-63.8% (Weaker)
Revenue Growth
118.2%
This Stock
vs
36.58%
Sector Avg
+223.1% (Fast Growth)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
20-F
2026-02-26

ING submitted its 20-F annual report on February 26, 2026, providing a comprehensive overview of its yearly financial performance and operational results. The filing details the company's current financial position and outlines the primary risk factors associated with its global banking and insurance operations.

20-F
20-F
2025-03-06

ING filed its annual 20-F report on March 6, 2025. Specific financial highlights and risk factors were not provided in the available metadata.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning ING from our newsroom.

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