INGS Stock Overview

Provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. More details

INGS fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 57.3% below our estimate of its fair value

Earnings grew by 54.4% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

Community vs My Fair Value

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ING Groep N.V. Competitors

Bank of Nova Scotia

TSX:BNS

CA$89.0b

Canadian Imperial Bank of Commerce

TSX:CM

CA$82.9b

Bank of Montreal

TSX:BMO

CA$104.9b

National Bank of Canada

TSX:NA

CA$48.5b

Price History & Performance

Summary of share price highs, lows and changes for ING Groep
Historical stock prices
Current Share Price	€23.32
52 Week High	€23.32
52 Week Low	€23.19
Beta	1.55
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0.95%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	INGS	CA Banks	CA Market
7D	n/a	-0.1%	-0.5%
1Y	n/a	18.7%	16.2%

Return vs Industry: Insufficient data to determine how INGS performed against the Canadian Banks industry.

Return vs Market: Insufficient data to determine how INGS performed against the Canadian Market.

Price Volatility

Is INGS's price volatile compared to industry and market?
INGS volatility
INGS Average Weekly Movement	n/a
Banks Industry Average Movement	2.5%
Market Average Movement	8.5%
10% most volatile stocks in CA Market	18.1%
10% least volatile stocks in CA Market	3.0%

Stable Share Price: INGS's share price has been volatile over the past 3 months compared to the Canadian market.

Volatility Over Time: Insufficient data to determine INGS's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1762	60,000	Michal Boleslawski	www.ing.com

ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. It operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. The company accepts current and savings accounts.

ING Groep N.V. Fundamentals Summary

How do ING Groep's earnings and revenue compare to its market cap?
INGS fundamental statistics
Market cap	CA$75.36b
Earnings (TTM)	CA$9.51b
Revenue (TTM)	CA$31.88b

7.9x

P/E Ratio

1.0x

P/B Ratio

Is INGS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
INGS income statement (TTM)
Revenue	€21.42b
Cost of Revenue	€0
Gross Profit	€21.42b
Other Expenses	€15.03b
Earnings	€6.39b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Mar 06, 2025

Earnings per share (EPS)	2.08
Gross Margin	100.00%
Net Profit Margin	29.84%
Debt/Equity Ratio	413.0%

How did INGS perform over the long term?

See historical performance and comparison

Dividends

6.4%

Current Dividend Yield

54%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/20 15:44
End of Day Share Price	2025/02/20 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

ING Groep N.V. is covered by 56 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Wim Gille	ABN AMRO Bank N.V.
Maria del Paz Ojeda Fernandez	Ahorro Corporación
Pierre-Yves Gauthier	AlphaValue