ING Bank Slaski (ING) Stock Overview
Provides various banking products and services for retail clients and businesses in Poland. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 1/6 |
| Past Performance | 3/6 |
| Financial Health | 4/6 |
| Dividends | 4/6 |
ING Community Fair Values
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Analyst Price Targets
ING Bank Slaski S.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | zł392.20 |
| 52 Week High | zł470.00 |
| 52 Week Low | zł283.00 |
| Beta | 0.43 |
| 1 Month Change | -3.40% |
| 3 Month Change | 1.08% |
| 1 Year Change | 19.76% |
| 3 Year Change | 150.45% |
| 5 Year Change | 122.34% |
| Change since IPO | 481.04% |
Recent News & Updates
ING: Elevated Dividend Payout Will Sustain Overvaluation Risk For Now
Analysts have made a marginal adjustment to their fair value estimate for ING Bank Slaski, trimming the price target by PLN0.06 to reflect slightly updated assumptions for the discount rate, revenue growth, profit margin and future P/E. What's in the News ING Bank Slaski S.A. declared an annual dividend of PLN 26.71 per share.ING: Dividend Outlook And Stable Earnings Profile Will Support Fair Value
Analysts have kept their PLN price target for ING Bank Slaski effectively unchanged, making only slight adjustments to the discount rate and to long term assumptions around revenue growth, profit margin and future P/E used to support the valuation framework. What's in the News ING Bank Slaski S.A. announced an annual dividend of PLN 26.71 per share, with an ex-dividend date on April 21, 2026, and a record date on April 22, 2026 (Key Developments).ING: Dividend Policy And Earnings Profile Will Support Fair Value
Analysts have adjusted their fair value estimate for ING Bank Slaski slightly higher, moving the price target from PLN 379.58 to PLN 381.44. This change reflects updated assumptions on revenue growth, profit margins and future P/E expectations.Recent updates
ING: Elevated Dividend Payout Will Sustain Overvaluation Risk For Now
Analysts have made a marginal adjustment to their fair value estimate for ING Bank Slaski, trimming the price target by PLN0.06 to reflect slightly updated assumptions for the discount rate, revenue growth, profit margin and future P/E. What's in the News ING Bank Slaski S.A. declared an annual dividend of PLN 26.71 per share.ING: Dividend Outlook And Stable Earnings Profile Will Support Fair Value
Analysts have kept their PLN price target for ING Bank Slaski effectively unchanged, making only slight adjustments to the discount rate and to long term assumptions around revenue growth, profit margin and future P/E used to support the valuation framework. What's in the News ING Bank Slaski S.A. announced an annual dividend of PLN 26.71 per share, with an ex-dividend date on April 21, 2026, and a record date on April 22, 2026 (Key Developments).ING: Dividend Policy And Earnings Profile Will Support Fair Value
Analysts have adjusted their fair value estimate for ING Bank Slaski slightly higher, moving the price target from PLN 379.58 to PLN 381.44. This change reflects updated assumptions on revenue growth, profit margins and future P/E expectations.ING: Higher Margin And Dividend Will Support Fairly Valued Shares
Analysts have nudged their price target for ING Bank Slaski higher to PLN 379.58 from PLN 365.72, citing updated assumptions around the discount rate, revenue growth, profit margin and future P/E as drivers of the revised view. What's in the News ING Bank Slaski S.A. announced an annual dividend of PLN 26.7100 per share, with an ex-dividend date on April 21, 2026, a record date on April 22, 2026, and payment scheduled for April 27, 2026 (Key Developments).ING: Lower Future P/E Will Limit Upside Despite Margin Shift
Analysts have made a marginal adjustment to their PLN price target for ING Bank Slaski to PLN 365.72, reflecting slightly updated assumptions for discount rate, revenue growth, profit margin and future P/E expectations. Valuation Changes Fair Value: PLN 365.73 to PLN 365.72, reflecting a very small downward adjustment to the model output.ING: Softer Margins And Richer P/E Will Restrain Future Upside
Analysts have slightly reduced their price target for ING Bank Slaski, trimming fair value from €369.52 to €365.73 as they now assume a modestly lower revenue growth rate, a softer profit margin, and a somewhat higher future P/E multiple. Valuation Changes Fair Value: Trimmed slightly from €369.52 to €365.73, reflecting a modest adjustment to the model.ING: Future Earnings Power Will Support Fair Outlook With Refined Assumptions
Analysts have kept their price target on ING Bank Slaski steady while slightly adjusting assumptions around discount rate, revenue growth, profit margin and future P/E. This reflects refreshed views on the bank's risk profile and earnings potential without changing their overall valuation stance.ING: Future Earnings Power Will Support Fair Outlook With Stable Assumptions
Analysts have nudged their price target for ING Bank Slaski to €369.52, a change they link to small adjustments in assumptions such as the discount rate and future P/E, while keeping forecast revenue growth and profit margin essentially unchanged. Valuation Changes Fair Value: Modelled fair value is unchanged at €369.52 per share.ING: Future Earnings Power Will Drive Upside Despite Slightly Lower Multiple
Analysts have slightly lowered their price target on ING Bank Slaski by approximately PLN 1.47. This reflects a marginally higher long term revenue growth outlook and profit margin, which are offset by a modestly reduced fair value and future P/E expectation.ING: Future Profitability And Modest Multiple Support Will Drive Upside
Analysts have slightly reduced their price target for ING Bank Slaski to 370.99 PLN from 374.83 PLN, reflecting updated assumptions that include marginally higher long-term revenue growth, a modestly lower profit margin outlook, and slightly compressed future valuation multiples. Valuation Changes Fair Value: reduced slightly to 370.99 PLN from 374.83 PLN.ING: Improved Margins And Discount Rate Will Guide Future Performance
Narrative Update on ING Bank Slaski Analysts have raised their price target for ING Bank Slaski from PLN 365.83 to PLN 374.83. They cite improved revenue growth and stronger profit margins as primary drivers for the optimistic outlook.ING: Stable Margins And Lower Discount Rate Will Support Future Upside
Analysts have raised their price target for ING Bank Slaski by approximately PLN 3, citing updated assumptions around profit margin stability and a modest reduction in the discount rate, even though projected revenue growth is lower. Valuation Changes Fair Value: Increased marginally from PLN 362.83 to PLN 365.83.Analysts Maintain ING Bank Slaski Price Target as Growth Outlook and Margins Hold Steady
Analysts have maintained their price target for ING Bank Śląski at PLN 362.83, citing sustained expectations for revenue growth and profit margins. They have made only minor adjustments to the discount rate and future price-to-earnings assumptions.Margin Compression And Demographic Headwinds Will Weaken Polish Banking
Analysts have raised their price target for ING Bank Slaski from PLN 344.50 to PLN 362.83, citing modest improvements in fair value metrics and a slightly lower discount rate. Valuation Changes The Fair Value Estimate has risen slightly from PLN 344.50 to PLN 362.83.Margin Compression And Demographic Headwinds Will Weaken Polish Banking
The consensus price target for ING Bank Slaski has been raised to PLN344.50, primarily reflecting modest improvements in revenue growth forecasts and future valuation multiples. Valuation Changes Summary of Valuation Changes for ING Bank Slaski The Consensus Analyst Price Target has risen slightly from PLN337.50 to PLN344.50.Margin Compression And Demographic Headwinds Will Weaken Polish Banking
With no change in either the discount rate or future P/E assumptions, analysts have left their consensus fair value estimate for ING Bank Slaski unchanged at PLN337.50. Valuation Changes Summary of Valuation Changes for ING Bank Slaski The Consensus Analyst Price Target remained effectively unchanged, at PLN337.50.
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
| ING | PL Banks | PL Market | |
|---|---|---|---|
| 7D | -7.4% | -3.2% | -2.0% |
| 1Y | 19.8% | 22.4% | 22.8% |
Return vs Industry: ING underperformed the Polish Banks industry which returned 24.6% over the past year.
Return vs Market: ING underperformed the Polish Market which returned 23.4% over the past year.
Price Volatility
| ING volatility | |
|---|---|
| ING Average Weekly Movement | 4.9% |
| Banks Industry Average Movement | 4.5% |
| Market Average Movement | 5.1% |
| 10% most volatile stocks in PL Market | 11.0% |
| 10% least volatile stocks in PL Market | 3.2% |
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 (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1989 | 7,624 | Michal Boleslawski | www.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
| ING fundamental statistics | |
|---|---|
| Market cap | zł51.03b |
| Earnings (TTM) | zł4.63b |
| Revenue (TTM) | zł11.02b |
11.0x
P/E Ratio2.4x
P/B RatioIs ING overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ING income statement (TTM) | |
|---|---|
| Revenue | zł11.02b |
| Cost of Revenue | zł0 |
| Gross Profit | zł11.02b |
| Other Expenses | zł6.39b |
| Earnings | zł4.63b |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Jul 30, 2026
| Earnings per share (EPS) | 35.61 |
| Gross Margin | 100.00% |
| Net Profit Margin | 42.03% |
| Debt/Equity Ratio | 87.6% |
How did ING perform over the long term?
See historical performance and comparisonDividends
6.8%
Current Dividend Yield75%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/30 15:01 |
| End of Day Share Price | 2026/04/30 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 16 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.
| Analyst | Institution |
|---|---|
| Michal Konarski | Biuro maklerskie mBanku |
| Maciej Szczesny | BofA Global Research |
| Andrzej Powierza | Citigroup Inc |