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Updated 1d ago
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ING Groep N.V.DB:INN Stock Report

Market Cap €90.1b
Updated 1d ago
Share Price
n/a
1Y54.5%
7D3.8%
1D-2.2%
Portfolio Value
​
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ING Groep N.V.

DB:INN Stock Report

Market Cap: €90.1b

  • Company Overview
  • Valuation
  • Future Growth
  • Past Performance
  • Financial Health
  • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

ING Groep (INN) Stock Overview

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

INN fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance4/6
Financial Health4/6
Dividends4/6

Rewards

Trading at 48.9% below our estimate of its fair value

Earnings grew by 117% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record


INN Community Fair Values

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€
Current Price
€27.2027.7% undervalued intrinsic discount
%/yr
Decrease
Increase
PastFuture031b2016201920222025202620282031Revenue €31.1bEarnings €10.7b
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ING Groep N.V. Competitors

Commerzbank

Symbol: XTRA:CBK
Market cap: €45.5b

ProCredit Holding

Symbol: XTRA:PCZ
Market cap: €520.1m

Postal Savings Bank of China

Symbol: SEHK:1658
Market cap: HK$738.4b

U.S. Bancorp

Symbol: NYSE:USB
Market cap: US$97.4b

Price History & Performance

Summary of share price highs, lows and changes for ING Groep
Historical stock prices
Current Share Price€27.20
52 Week High€27.80
52 Week Low€17.30
Beta0.90
1 Month Change3.82%
3 Month Change28.30%
1 Year Change54.55%
3 Year Changen/a
5 Year Changen/a
Change since IPO75.01%

Recent News & Updates

Recent updates

Shareholder Returns

INNDE BanksDE Market
7D3.8%0.5%-0.5%
1Y54.5%38.6%4.6%

Return vs Industry: INN exceeded the German Banks industry which returned 41.2% over the past year.

Return vs Market: INN exceeded the German Market which returned 5.5% over the past year.

Price Volatility

Is INN's price volatile compared to industry and market?
INN volatility
INN Average Weekly Movement3.3%
Banks Industry Average Movement3.2%
Market Average Movement5.0%
10% most volatile stocks in DE Market12.4%
10% least volatile stocks in DE Market2.5%

Stable Share Price: INN has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: INN's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
176260,000Steven J. van Rijswijkwww.ing.com

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

ING Groep N.V. Fundamentals Summary

How do ING Groep's earnings and revenue compare to its market cap?
INN fundamental statistics
Market cap€90.14b
Earnings (TTM)€8.70b
Revenue (TTM)€25.21b
10.4x
P/E Ratio
1.8x
P/B Ratio

Is INN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
INN income statement (TTM)
Revenue€25.21b
Cost of Revenue€0
Gross Profit€25.21b
Other Expenses€16.52b
Earnings€8.70b

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

Oct 29, 2026

Earnings per share (EPS)3.05
Gross Margin100.00%
Net Profit Margin34.49%
Debt/Equity Ratio510.0%

How did INN perform over the long term?

See historical performance and comparison

Dividends

4.1%
Current Dividend Yield
38%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/09 12:54
End of Day Share Price 2026/09/09 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 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 Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 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 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 35 analysts. 17 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullBanco de Sabadell. S.A.
Juan Lopez CoboBanco Santander
Flora Benhakoun BocahutBarclays

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