ING Groep (ING) Stock Overview

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

ING fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	0/6
Past Performance	5/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 49.9% below our estimate of its fair value

Earnings grew by 56.1% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 0.8% per year for the next 3 years

Unstable dividend track record

ING Community Fair Values

Create Narrative

See what 16 others think this stock is worth. Follow their fair value or set your own to get alerts.

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ING Groep N.V. Competitors

Price History & Performance

Summary of share price highs, lows and changes for ING Groep
Historical stock prices
Current Share Price	€26.41
52 Week High	€31.18
52 Week Low	€16.47
Beta	0.85
1 Month Change	-13.81%
3 Month Change	0.49%
1 Year Change	27.34%
3 Year Change	103.47%
5 Year Change	119.35%
Change since IPO	125.73%

Recent updates

ING Groep: Executing Well, But No Longer Undervalued (Rating Downgrade)

Feb 02

ING Groep: An Ambitious ROE Target Of Over 14% For 2027

Feb 19

ING Groep: So-So Q4 Results, But Shares Still Offer An Attractive Total Yield

Feb 07

ING Groep: Big Shareholder Yield, Sluggish EPS Growth, Downbeat P/E

Nov 28

ING Groep: Mixed Q3 But Welcome Progress On Capital Returns

Oct 31

ING Groep: There Are Better Income Alternatives In The European Banking Sector

Aug 21

With Rate Cycle Benefits In The Rearview Mirror, Further Progress At ING Groep Will Be Harder

Jul 15

ING Groep: Strong Capital Returns Ahead

May 03

ING: Still Too Cheap Despite Disappointing Results

Feb 02

ING Groep: Options Can Boost Your Returns As The ECB Is Set To Cut Rates

Jan 24

ING Groep: A European Dividend Standout, Buying Back Stock

Dec 24

Dutch Bank ING Groep Roars With Strong Buy Rating And 5.4% Dividend Yield

Nov 21

ING Groep: The Market Is Skeptical Of Its Earnings Power

Sep 01

ING Groep Is Another Buy Opportunity

Jun 22

ING Groep: High-Dividend Yield Stock For Income Investors

May 26

ING Group reports Q4 results

Feb 02

Shareholder Returns

	ING	US Banks	US Market
7D	-8.2%	-2.9%	-2.3%
1Y	27.3%	18.9%	17.1%

Return vs Industry: ING exceeded the US Banks industry which returned 20.5% over the past year.

Return vs Market: ING exceeded the US Market which returned 19.2% over the past year.

Price Volatility

Is ING's price volatile compared to industry and market?
ING volatility
ING Average Weekly Movement	3.9%
Banks Industry Average Movement	3.9%
Market Average Movement	6.7%
10% most volatile stocks in US Market	16.2%
10% least volatile stocks in US Market	3.2%

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

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

About the Company

Founded	Employees	CEO	Website
1762	60,000	Steven J. van Rijswijk	www.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?
ING fundamental statistics
Market cap	US$75.93b
Earnings (TTM)	US$9.66b
Revenue (TTM)	US$28.39b

7.9x

P/E Ratio

1.2x

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)
Revenue	€24.46b
Cost of Revenue	€0
Gross Profit	€24.46b
Other Expenses	€16.14b
Earnings	€8.32b

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

Apr 30, 2026

Earnings per share (EPS)	2.89
Gross Margin	100.00%
Net Profit Margin	34.03%
Debt/Equity Ratio	445.3%

How did ING perform over the long term?

See historical performance and comparison

Dividends

5.5%

Current Dividend Yield

39%

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 Groep dividend dates
Ex Dividend Date	Apr 17 2026
Dividend Pay Date	May 01 2026
Days until Ex dividend	41 days
Days until Dividend pay date	55 days

Does ING pay a reliable dividends?

See ING dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/03/06 05:47
End of Day Share Price	2026/03/06 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	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 Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 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 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 Groep N.V. is covered by 33 analysts. 16 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
null null	Banco de Sabadell. S.A.
Javier Esteban Lario	Banco de Sabadell. S.A.
Juan Lopez Cobo	Banco Santander

ING Groep (ING) Stock Overview

Rewards

Risk Analysis

ING Groep N.V. Competitors

PNC Financial Services Group

U.S. Bancorp

Fifth Third Bancorp

Citigroup

Price History & Performance

Recent News & Updates

ING Groep N.V. Announces Executive Changes

ING Groep: Executing Well, But No Longer Undervalued (Rating Downgrade)

ING Groep N.V. Provides Earnings Guidance for the Year 2026 and 2027

Ing Groep N.V. Proposes Final Dividend for the Year 2025

ING Groep N.V. Announces Resignation of Herna Verhagen from Supervisory Board

ING Groep N.V. to Report Q3, 2026 Results on Oct 29, 2026

Recent updates

ING Groep N.V. Announces Executive Changes

ING Groep: Executing Well, But No Longer Undervalued (Rating Downgrade)

ING Groep N.V. Provides Earnings Guidance for the Year 2026 and 2027

Ing Groep N.V. Proposes Final Dividend for the Year 2025

ING Groep N.V. Announces Resignation of Herna Verhagen from Supervisory Board

ING Groep N.V. to Report Q3, 2026 Results on Oct 29, 2026

ING Announces Cash Distribution, Payable on 15 January 2026

ING Groep N.V. to Report Q1, 2026 Results on Apr 30, 2026

Ida Lerner to Become as Member of the Management Board of ING, Effective April 1, 2026

Ing Groep N.V. Announces Management Changes

ING Groep N.V., Annual General Meeting, Apr 13, 2026

ING Groep N.V. to Report Q4, 2025 Results on Jan 29, 2026

ING Groep N.V. (ENXTAM:INGA) completed the acquisition of additional 17.6% stake in Van Lanschot Kempen NV (ENXTAM:VLK) from Reggeborgh Groep.

ING Groep N.V. Announces Tanate Phutrakul to Step Down as CFO in April 2026

ING Groep N.V. to Report Q3, 2025 Results on Oct 30, 2025

Ing Groep N.V. Appoints Stuart Graham and Petri Hofsté to the Supervisory Board

ING Groep N.V. (ENXTAM:INGA) agreed to acquire an additional 17.6% stake in Van Lanschot Kempen NV (ENXTAM:VLK) from Reggeborgh Groep.

ING Groep: An Ambitious ROE Target Of Over 14% For 2027

ING Groep: So-So Q4 Results, But Shares Still Offer An Attractive Total Yield

ING Groep N.V. to Report Q2, 2025 Results on Jul 31, 2025

ING Groep: Big Shareholder Yield, Sluggish EPS Growth, Downbeat P/E

ING Announces Additional Shareholder Distribution, Payable on 16 January 2025

ING Groep: Mixed Q3 But Welcome Progress On Capital Returns

ING Appoints Uday Sareen as Head for Wholesale Banking in the APAC Region

ING Groep: There Are Better Income Alternatives In The European Banking Sector

ING Groep N.V., Annual General Meeting, Apr 22, 2025

ING Groep N.V. to Report Q4, 2024 Results on Feb 06, 2025

ING Announces Executive Changes

With Rate Cycle Benefits In The Rearview Mirror, Further Progress At ING Groep Will Be Harder

ING Americas Announces Executive Changes

ING Groep: Strong Capital Returns Ahead

ING Americas Appoints Keith Tamayo as Managing Director, Head of North America Credit Sales to support Larger Expansion into ABS market

ING Groep N.V. Proposes to Pay Final Dividend for the Year Ended December 31, 2023, Euronext Amsterdam Payable on 3 May 2024 and Nyse Payable on 10 May 2024

ING: Still Too Cheap Despite Disappointing Results

ING Groep: Options Can Boost Your Returns As The ECB Is Set To Cut Rates

ING Groep N.V. to Report Q2, 2024 Results on Aug 01, 2024

ING Groep: A European Dividend Standout, Buying Back Stock

Dutch Bank ING Groep Roars With Strong Buy Rating And 5.4% Dividend Yield

ING Groep N.V. to Report Q1, 2024 Results on May 02, 2024

Ing Groep N.V. Announces Management Changes

ING Groep N.V. Announces Executive Changes

ING Americas Announces Executive Appointments

ING Groep: The Market Is Skeptical Of Its Earnings Power

ING Groep N.V. to Report Fiscal Year 2023 Final Results on Mar 07, 2024

ING Announces Executive Changes

Chow Tai Fook Enterprises Limited made an offer to acquire additional 96.955655% stake in NWS Holdings Limited (SEHK:659) from New World Development Company Limited (SEHK:17) and others for HKD 34.6 billion.

ING Groep N.V. Appoints Bahadir Yilmaz as Chief Analytics Officer, Effective 1 July 2023

ING Groep Is Another Buy Opportunity

ING Groep: High-Dividend Yield Stock For Income Investors

ING Groep N.V. Provides Earnings Guidance for the Years 2023

ING Announces Retirement of Hans Wijers as Chairman

ING Group reports Q4 results

ING Reportedly Weighs Buying IDBI Bank for India Return

ING Groep N.V. to Report Q2, 2023 Results on Aug 03, 2023

Shareholder Returns

Price Volatility

About the Company

ING Groep N.V. Fundamentals Summary

Earnings & Revenue

Dividends

Company Analysis and Financial Data Status

Data Sources

Analysis Model and Snowflake