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ING Groep N.V. (INGA.AS)

EUR28.91 +0.49 (+1.71%)
NL AMS Financial Services Banks - Diversified
Address Bijlmerdreef 106 1102 CT
Amsterdam, NL
CEO Steven J. A. van Rijswijk
Website ing.com
IPO 1995-03-29
ISIN NL0011821202

Explore sections of this company profile

Also trades on Deutsche Börse · INN1.DE (EUR) Euronext Amsterdam · INGA.AS (EUR) New York Stock Exchange · ING (USD) Other OTC · INGVF (USD) Swiss Exchange · INGA.SW (CHF)
Description

Operating as a prominent global financial services group, ING Groep N.V. delivers a comprehensive suite of banking solutions and offerings across a vast international footprint. Its reach extends throughout the Netherlands, Belgium, Germany, and Poland, encompassing the wider European continent, North and Latin America, Asia, and Australia. The company's operations are structured into six distinct divisions: Retail banking for the Netherlands, Belgium, and Germany, alongside a broader 'Retail Other' category, in addition to its Wholesale Banking and Corporate Line Banking operations. Its product portfolio includes diverse deposit options like checking and savings accounts. ING also extends credit facilities, ranging from business loans to various consumer financing products, including home mortgages, fixed-term loans, revolving credit, and personal unsecured loans. Beyond traditional lending, ING delivers specialized financial services such as debt capital market access, working capital management, export financing, routine transactional banking, treasury and risk management, and corporate finance advisory. Furthermore, it offers specialized lending, equity market services, broader financial solutions, payment processing and cash management, and international trade services. The group also caters to individual needs through savings, investment, insurance, and mortgage services, complemented by advanced digital banking capabilities. Its client base is extensive, serving individual consumers, corporate entities of varying sizes—from small and medium-sized enterprises (SMEs) to larger mid-corporate clients—and other financial institutions. Established in 1762, ING Groep N.V. maintains its corporate headquarters in Amsterdam, the Netherlands.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR28.91 +0.49 (+1.71%)
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Volume Profile
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Liquidity & share structure
Average Volume
8M
Beta
0.90
Float Shares
2.84B
Free Float %
98.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.20% -1.04% +1.84% +5.60% +10.47% +4.77% +35.02% +115.37% +137.09% +141.18% +368.44%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (17 ratings, all time) Buy
Price Targets & DCF
Current price
28.91
Ratings Trend (MoM) 58% Bullish
Rating 2026-05 Change
Strong Buy 4 0
Buy 7 0
Hold 7 0
Sell 0 0
Strong Sell 1 0
Quality scores
Altman Z-Score
-0.76
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +1.9% Q1'26: +3.3% (vs Q1'25)
  • EPS growth
    +7.1% Q1'26: +14.9% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +38.8% (vs Q1'25)
  • ROIC
    Q1'26: +3.2% (vs Q1'25)
  • Share dilution
    -7.6% Q1'26: -6.6% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 23.84× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.02) × ERP
WACC = 24% × Ke + 76% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 28.91
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2011
actual
Dec 2012
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
15 Rev. Ana.
12 EPS Ana.
Dec 2027
15 Rev. Ana.
12 EPS Ana.
Dec 2028
12 Rev. Ana.
10 EPS Ana.
Dec 2029
11 Rev. Ana.
4 EPS Ana.
Dec 2030
6 Rev. Ana.
4 EPS Ana.
Revenue
7.76B
est: 56.40B (-86.2%)
13.89B
est: 43.39B (-68.0%)
13.00B
est: 15.71B (-17.3%)
15.30B
est: 15.70B (-2.6%)
15.59B
est: 16.49B (-5.4%)
17.39B
est: 17.18B (+1.2%)
17.59B
est: 17.71B (-0.7%)
17.52B
est: 18.05B (-2.9%)
18.06B
est: 18.34B (-1.5%)
17.82B
est: 17.72B (+0.5%)
25.78B
est: 18.37B (+40.4%)
33.61B
est: 18.54B (+81.3%)
17.63B
est: 19.58B (-10.0%)
22.62B
est: 22.58B (+0.2%)
23.04B
est: 22.89B (+0.6%)
24.23B
23.85B – 24.62B
+5.9% YoY
26.06B
24.99B – 26.73B
+7.5% YoY
27.64B
27.55B – 27.73B
+6.1% YoY
28.57B
27.75B – 29.17B
+3.4% YoY
29.85B
28.99B – 30.48B
+4.5% YoY
EBITDA
50.16B
est: 17.25B (+190.8%)
3.62B
est: 13.27B (-72.7%)
6.13B
est: 4.81B (+27.5%)
3.93B
est: 4.80B (-18.2%)
6.00B
est: 5.04B (+19.1%)
7.12B
est: 5.25B (+35.5%)
7.10B
est: 5.42B (+31.1%)
6.84B
est: 5.52B (+23.9%)
7.57B
est: 5.61B (+35.0%)
4.57B
est: 5.42B (-15.6%)
7.84B
est: 5.62B (+39.6%)
6.21B
est: 5.67B (+9.6%)
11.17B
est: 7.68B (+45.5%)
9.97B
est: 8.85B (+12.6%)
9.15B
est: 8.98B (+1.9%)
9.50B
9.35B – 9.65B
+5.9% YoY
10.22B
9.80B – 10.48B
+7.5% YoY
10.84B
10.80B – 10.87B
+6.1% YoY
11.20B
10.88B – 11.44B
+3.4% YoY
11.70B
11.37B – 11.95B
+4.5% YoY
EBIT
49.75B
est: 4.57B (+989.5%)
3.62B
est: 4.70B (-23.0%)
6.13B
est: 1.41B (+334.4%)
3.93B
est: 4.11B (-4.2%)
6.00B
est: 3.95B (+52.0%)
7.12B
est: 6.44B (+10.6%)
7.10B
est: 6.07B (+17.0%)
6.84B
est: 7.42B (-7.9%)
6.79B
est: 6.95B (-2.4%)
3.74B
est: 6.72B (-44.3%)
7.01B
est: 6.68B (+5.0%)
5.50B
est: 6.86B (-19.8%)
10.49B
est: 7.20B (+45.7%)
9.30B
est: 7.00B (+32.9%)
9.15B
est: 8.42B (+8.6%)
8.91B
8.77B – 9.06B
+5.9% YoY
9.58B
9.19B – 9.83B
+7.5% YoY
10.17B
10.13B – 10.20B
+6.1% YoY
10.51B
10.21B – 10.73B
+3.4% YoY
10.98B
10.66B – 11.21B
+4.5% YoY
Net Income
4.74B
est: 2.60B (+82.5%)
2.77B
est: 4.44B (-37.6%)
3.55B
est: 1.41B (+151.4%)
1.25B
est: 3.23B (-61.3%)
4.01B
est: 1.33B (+200.9%)
4.65B
est: 4.18B (+11.2%)
4.91B
est: 4.78B (+2.6%)
4.70B
est: 5.01B (-6.1%)
4.78B
est: 4.78B (+0.0%)
2.49B
est: 4.70B (-47.1%)
4.78B
est: 4.67B (+2.3%)
3.67B
est: 4.80B (-23.4%)
7.29B
est: 4.71B (+54.8%)
6.39B
est: 5.93B (+7.7%)
6.33B
est: 6.18B (+2.3%)
7.12B
6.75B – 7.49B
+15.1% YoY
7.53B
7.42B – 9.24B
+5.8% YoY
8.23B
7.87B – 10.34B
+9.3% YoY
11.28B
10.86B – 11.59B
+37.0% YoY
12.71B
12.24B – 13.06B
+12.7% YoY
SGA
43.40B
est: 17.19B (+152.5%)
31.95B
est: 12.36B (+158.4%)
16.84B
est: 1.55B (+984.1%)
7.52B
est: 14.51B (-48.2%)
6.76B
est: 13.70B (-50.6%)
6.76B
est: 12.29B (-45.0%)
6.24B
est: 13.11B (-52.4%)
6.39B
est: 10.99B (-41.9%)
6.47B
est: 12.03B (-46.2%)
6.47B
est: 11.82B (-45.3%)
6.53B
est: 11.75B (-44.4%)
7.18B
est: 12.06B (-40.5%)
7.70B
est: 4.86B (+58.5%)
7.63B
est: 8.98B (-15.1%)
est: 5.68B (-100.0%)
6.01B
5.92B – 6.11B
+5.9% YoY
6.47B
6.20B – 6.64B
+7.5% YoY
6.86B
6.84B – 6.88B
+6.1% YoY
7.09B
6.89B – 7.24B
+3.4% YoY
7.41B
7.20B – 7.56B
+4.5% YoY
EPS
0.85
est: 1.30 (-34.6%)
0.73
est: 0.93 (-21.9%)
0.66
est: 0.89 (-25.6%)
0.32
est: 0.83 (-61.4%)
1.04
est: 1.16 (-10.5%)
1.17
est: 1.12 (+4.1%)
1.26
est: 1.32 (-4.4%)
1.21
est: 1.30 (-6.6%)
1.23
est: 1.28 (-4.0%)
0.64
est: 0.67 (-4.6%)
1.23
est: 1.28 (-3.8%)
1.02
est: 1.04 (-1.7%)
2.05
est: 1.58 (+29.3%)
1.98
est: 2.00 (-0.9%)
2.11
est: 2.08 (+1.3%)
2.39
2.26 – 2.51
+14.6% YoY
2.78
2.49 – 3.10
+16.6% YoY
3.20
2.64 – 3.46
+14.8% YoY
3.78
3.64 – 3.88
+18.3% YoY
4.26
4.10 – 4.38
+12.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-08 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-07 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-06 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-05 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-04 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-04-30 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-04-29 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-04-28 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-04-27 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-04-24 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-04-23 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-22 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-21 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-20 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-17 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-16 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-15 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-408.75M
OE per share TTM
-0.14
Owner's Yield
-0.55%
Maintenance CapEx ratio
24.86%
Maint CapEx / Avg PPE
11.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
152.5K
Shares Outstanding
2.87B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Tanate Phutrakul Chief Financial Officer and Member of the Executive Board & Management Board Banking 3M male
Steven J. A. van Rijswijk Chief Executive Officer and Chairman of the Executive Board & Management Board Banking 3M male
Ljiljana Cortan Head of ING Wholesale Banking 2M female
Ida Lerner CFO & Member of the Executive Board female
Andrew John Milton Bester Head of Wholesale Banking & Member of Management Board Banking male
Pinar Abay Head of Retail, Market Leaders, Challengers & Growth Markets and Member of Management Board Banking female
Rob Van Veldhuizen Head of Corporate Finance Benelux
Sjoerd Miltenburg Head of Investor Relations male
Marnix van Stiphout Chief Operating Officer & Member of Management Board Banking male
Daniele Tonella Chief Technology Officer & Management Board Member male
Erwin H. Olijslager Principal Accounting Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits