How Will New Leadership and Steady Earnings Shape ING's Strategy (ENXTAM:INGA)?

• In recent developments, ING Groep announced several executive appointments, including Ida Lerner as incoming Chief Financial Officer and Andrea Diamanti as the next CEO of ING Italy, alongside the release of its third quarter 2025 earnings report.
• These leadership transitions coincide with stable quarterly results, reflecting ING’s continued focus on operational continuity and business growth across key European markets.
• We'll explore how the appointment of Ida Lerner as CFO may influence ING's investment narrative and its future financial direction.

Find companies with promising cash flow potential yet trading below their fair value.

ING Groep Investment Narrative Recap

For investors in ING Groep, the core belief centers on the bank’s ability to leverage digital expansion, sustainable finance, and customer growth to deliver stable returns despite cyclical pressures. The recent executive changes, while not a material near-term catalyst, fit into continuity rather than altering the most pressing risk, persistent margin compression in key lending products remains the biggest concern as it continues to constrain profitability and earnings quality.

Among the recent developments, the appointment of Ida Lerner as incoming CFO is particularly relevant for investors watching for changes in ING's financial direction. While her leadership is unlikely to shift near-term results, this transition reinforces ING's commitment to experienced oversight and operational rigor, important factors given the ongoing challenges from margin and revenue headwinds.

In contrast, investors should be alert to the potential for sustained lower net interest margins in ING’s largest retail and mortgage businesses as...

Read the full narrative on ING Groep (it's free!)

ING Groep's projections indicate €24.9 billion in revenue and €6.6 billion in earnings by 2028. This outlook assumes an 8.3% annual revenue growth rate and a €1.8 billion increase in earnings from the current €4.8 billion.

Uncover how ING Groep's forecasts yield a €22.92 fair value, in line with its current price.

Exploring Other Perspectives

Simply Wall St Community members have offered 11 fair value estimates for ING Groep, ranging from €18.19 to €46.23 per share. While opinions span widely, remember that ongoing margin pressures in core lending products may continue to challenge future profitability, be sure to review alternative viewpoints from other investors.

Explore 11 other fair value estimates on ING Groep - why the stock might be worth 21% less than the current price!

Build Your Own ING Groep Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your ING Groep research is our analysis highlighting 3 key rewards and 2 important warning signs that could impact your investment decision.
• Our free ING Groep research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate ING Groep's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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