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ING Bank Slaski WSE:ING Stock Report

Last Price

zł243.00

Market Cap

zł31.6b

7D

-5.3%

1Y

-8.3%

Updated

18 Dec, 2024

Data

Company Financials +

ING Bank Slaski S.A.

WSE:ING Stock Report

Market Cap: zł31.6b

ING Stock Overview

Together with our subsidiaries, provides various banking products and services for retail clients and businesses in Poland. More details

ING fundamental analysis
Snowflake Score
Valuation6/6
Future Growth0/6
Past Performance4/6
Financial Health4/6
Dividends4/6

Rewards

Trading at 51% below our estimate of its fair value

Earnings grew by 12.9% over the past year

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 27.1%

Risk Analysis

Earnings are forecast to decline by an average of 1.6% per year for the next 3 years

Dividend of 13.72% is either not well covered by earnings currently or not forecast to be covered


My Notes

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Community Narratives

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WA
Analyst Price Target
Consensus Narrative from 6 Analysts

Streamlined Processes May Increase Client Trust, But Rising Costs Could Pressure Future Margins

Key Takeaways Strategic process improvements and focus on client security could enhance trust, leading to potentially higher revenue and better net margins. Strong mortgage sector positioning and conservative risk provisioning enhance stability, potentially boosting future revenue and safeguarding profitability.
View narrative
zł308.83
FV
21.3% undervalued intrinsic discount
4.70%
Revenue growth p.a.
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Updated narrative

ING Bank Slaski S.A. Competitors

Bank Polska Kasa Opieki

WSE:PEO

zł37.3b

mBank

WSE:MBK

zł23.0b

Santander Bank Polska

WSE:SPL

zł47.9b

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

WSE:PKO

zł75.4b

Price History & Performance

Summary of share price highs, lows and changes for ING Bank Slaski
Historical stock prices
Current Share Pricezł243.00
52 Week Highzł357.50
52 Week Lowzł223.50
Beta0.73
1 Month Change-2.99%
3 Month Change-5.26%
1 Year Change-8.30%
3 Year Change-8.30%
5 Year Change20.60%
Change since IPO260.00%

Recent News & Updates

With EPS Growth And More, ING Bank Slaski (WSE:ING) Makes An Interesting Case

Oct 02
With EPS Growth And More, ING Bank Slaski (WSE:ING) Makes An Interesting Case

Recent updates

With EPS Growth And More, ING Bank Slaski (WSE:ING) Makes An Interesting Case

Oct 02
With EPS Growth And More, ING Bank Slaski (WSE:ING) Makes An Interesting Case

Here's Why We Think ING Bank Slaski (WSE:ING) Is Well Worth Watching

Jun 29
Here's Why We Think ING Bank Slaski (WSE:ING) Is Well Worth Watching

We Discuss Whether ING Bank Slaski S.A.'s (WSE:ING) CEO Is Due For A Pay Rise

Apr 05
We Discuss Whether ING Bank Slaski S.A.'s (WSE:ING) CEO Is Due For A Pay Rise

Shareholder Returns

INGPL BanksPL Market
7D-5.3%-1.5%-2.5%
1Y-8.3%1.2%-4.5%

Return vs Industry: ING underperformed the Polish Banks industry which returned -0.9% over the past year.

Return vs Market: ING underperformed the Polish Market which returned -5.2% over the past year.

Price Volatility

Is ING's price volatile compared to industry and market?
ING volatility
ING Average Weekly Movement4.4%
Banks Industry Average Movement4.7%
Market Average Movement4.9%
10% most volatile stocks in PL Market8.6%
10% least volatile stocks in PL Market3.3%

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

Volatility Over Time: ING's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19898,066Brunon Bartkiewiczwww.ing.pl

ING Bank Slaski S.A., together with our subsidiaries, provides various banking products and services for retail clients and businesses in Poland. It operates in two segments, Retail Banking and Corporate Banking. The company accepts personal and business accounts.

ING Bank Slaski S.A. Fundamentals Summary

How do ING Bank Slaski's earnings and revenue compare to its market cap?
ING fundamental statistics
Market capzł31.61b
Earnings (TTM)zł4.33b
Revenue (TTM)zł10.22b

7.3x

P/E Ratio

1.9x

P/B Ratio

Is ING overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ING income statement (TTM)
Revenuezł10.22b
Cost of Revenuezł0
Gross Profitzł10.22b
Other Expenseszł5.89b
Earningszł4.33b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 06, 2025

Earnings per share (EPS)33.29
Gross Margin100.00%
Net Profit Margin42.38%
Debt/Equity Ratio124.8%

How did ING perform over the long term?

See historical performance and comparison

Dividends

13.7%

Current Dividend Yield

100%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 08:42
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

ING Bank Slaski S.A. is covered by 23 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kamil KliszczBiuro maklerskie mBanku
Maciej SzczesnyBofA Global Research
Andrzej PowierzaCitigroup Inc