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ING Bank Slaski S.A.WSE:ING Stock Report

Market Cap zł51.2b
Share Price
zł393.50
n/a
1Y27.6%
7D-3.6%
Portfolio Value
​
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ING Bank Slaski S.A.

WSE:ING Stock Report

Market Cap: zł51.2b

ING Bank Slaski (ING) Stock Overview

Provides various banking products and services for retail clients and businesses in Poland. More details

ING fundamental analysis
Snowflake Score
Valuation1/6
Future Growth1/6
Past Performance3/6
Financial Health4/6
Dividends4/6

Rewards

Trading at 15.3% below our estimate of its fair value

Revenue is forecast to grow 6.89% per year

Earnings have grown 23.8% per year over the past 5 years

Risk Analysis

Unstable dividend track record


ING Community Fair Values

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ING Bank Slaski

Analysts Maintain ING Bank Slaski Price Target as Growth Outlook and Margins Hold Steady

Key Takeaways Structural demographic and competitive pressures threaten long-term revenue growth and profitability despite current customer, loan, and fee growth momentum. Rising technology, compliance, and restructuring costs may outpace future client growth, putting sustained margin and earnings performance at risk.
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zł365.72
FV
7.6% overvalued intrinsic discount
7.82%
Revenue growth p.a.
94
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ING Bank Slaski

Rising Costs And Stable Rates Will Pressure Margins Yet Long Term Earnings Remain Resilient

Catalysts About ING Bank Slaski ING Bank Slaski is a universal bank in Poland focused on stable, predictable growth in retail and corporate banking, supported by strong digital and risk management capabilities. What are the underlying business or industry changes driving this perspective?
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zł321.95
FV
22.2% overvalued intrinsic discount
5.06%
Revenue growth p.a.
0
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ING Bank Slaski

Mortgage Momentum And Expanding Customer Base Will Drive A Stronger Long Term Outlook

Catalysts About ING Bank Slaski ING Bank Slaski is a universal bank in Poland focused on retail and corporate clients, offering banking, lending, investment and transaction services. What are the underlying business or industry changes driving this perspective?
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zł470
FV
16.3% undervalued intrinsic discount
8.45%
Revenue growth p.a.
1
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ING Bank Slaski S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for ING Bank Slaski
Historical stock prices
Current Share Pricezł393.50
52 Week Highzł422.50
52 Week Lowzł272.00
Beta0.47
1 Month Change-4.26%
3 Month Change16.94%
1 Year Change27.55%
3 Year Change124.86%
5 Year Change113.86%
Change since IPO482.96%

Recent News & Updates

Recent updates

User avatar

Balancing Growth And Risk In The Mortgage Sector Amid Economic Challenges And Rising Costs

Strategic process improvements and focus on client security could enhance trust, leading to potentially higher revenue and better net margins.

Shareholder Returns

INGPL BanksPL Market
7D-3.6%-5.4%-3.1%
1Y27.6%21.3%24.6%

Return vs Industry: ING exceeded the Polish Banks industry which returned 24.1% over the past year.

Return vs Market: ING exceeded the Polish Market which returned 26.4% over the past year.

Price Volatility

Is ING's price volatile compared to industry and market?
ING volatility
ING Average Weekly Movement3.6%
Banks Industry Average Movement4.0%
Market Average Movement5.1%
10% most volatile stocks in PL Market11.0%
10% least volatile stocks in PL Market3.4%

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
19897,700Michal Boleslawskiwww.ing.pl

ING Bank Slaski S.A., together with its 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 capzł51.19b
Earnings (TTM)zł4.63b
Revenue (TTM)zł11.01b
11.0x
P/E Ratio
2.4x
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)
Revenuezł11.01b
Cost of Revenuezł0
Gross Profitzł11.01b
Other Expenseszł6.38b
Earningszł4.63b

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

Apr 30, 2026

Earnings per share (EPS)35.61
Gross Margin100.00%
Net Profit Margin42.07%
Debt/Equity Ratio94.2%

How did ING perform over the long term?

See historical performance and comparison

Dividends

6.4%
Current Dividend Yield
72%
Payout Ratio

Does ING pay a reliable dividends?

See ING dividend history and benchmarks
When do you need to buy ING by to receive an upcoming dividend?
ING Bank Slaski dividend dates
Ex Dividend DateApr 21 2026
Dividend Pay DateApr 27 2026
Days until Ex dividend46 days
Days until Dividend pay date52 days

Does ING pay a reliable dividends?

See ING dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/03/05 06:47
End of Day Share Price 2026/03/05 00:00
Earnings2025/12/31
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
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.

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 Bank Slaski S.A. is covered by 15 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
Michal KonarskiBiuro maklerskie mBanku
Maciej SzczesnyBofA Global Research
Andrzej PowierzaCitigroup Inc