Stock · INGA.AS · Financial Services
Netherlands · Large Cap · Revenue 12 mo. €23.8B
Price as of 11/06/2026
ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally.
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. The company also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, it provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. The company serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.
Original text from the data provider
Summary
46.6 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €47.5B, market value €81.9B (P/B 1.7). At a 9% discount rate, the premium over book value only pays off with a lasting 15.5% return on equity.
Required return on equity per year
15.5%
no perpetual growth
Price to book 1.72×, above its usual range.
Middle half of 20 quarters: 0.85× to 1.07×, median 0.91×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
2 more unchanged: Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 12.73% | 12.46% | Rank 52 |
| Return on capital (Greenblatt) | 369.17% | 59.04% | Rank 87 |
| EBIT margin | 39.71% | 23.06% | Rank 82 |
| FCF margin | −0.83% | 19.82% | Rank 14 |
| Gross margin | 94.34% | 65.53% | Rank 80 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 1.85% | 7.39% | Rank 30 |
| Earnings growth, 3 years per year | 27.89% | 15.20% | Rank 72 |
| Earnings growth, 5 years per year | 27.19% | 15.17% | Rank 77 |
| Sustainable growth (ROE × retained earnings) | 1.52% | 1.25% | Rank 56 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 7.38% | 6.47% | Rank 63 |
| FCF yield | −0.23% | 7.16% | Rank 14 |
| EV/saleslower is better | 9.56 | 2.82 | Rank 14 |
| EV/EBITlower is better | 24.08 | 14.24 | Rank 25 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 19.76% | 7.80% | Rank 70 |
| Share price, 6 months | 12.89% | 8.71% | Rank 68 |
| Share price, 3 months | −0.67% | 0.45% | Rank 45 |
| Distance from 52-week high | −11.11% | −10.68% | Rank 48 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 7.30% | 1.23% | Rank 13 |
| Change in share countlower is better | −7.57% | −0.60% | Rank 96 |
| Dividend streak in years | 4 | 5 | Rank 48 |
| Price reaction to results, market-adjusted | −0.46% | 0.00% | Rank 42 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 4.71% | 9.21% | Rank 14 |
| Net debt/EBITDAlower is better | 15.12 | 0.12 | Rank 8 |
| Debt to equitylower is better | 4.92 | 0.90 | Rank 8 |
| Volatility, 1 yearlower is better | 25.25% | 25.95% | Rank 56 |
Ten years in figures
| Year | Revenue, €B | Net income, €B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 17.4 | 4.7 | 9.3% | 3.88B |
| 2017 | 17.6 | 4.9 | 9.7% | 3.89B |
| 2018 | 17.5 | 4.7 | 9.2% | 3.89B |
| 2019 | 18.1 | 4.8 | 8.9% | 3.90B |
| 2020 | 17.8 | 2.5 | 4.6% | 3.90B |
| 2021 | 25.8 | 4.8 | 8.9% | 3.89B |
| 2022 | 33.6 | 3.7 | 7.4% | 3.62B |
| 2023 | 17.6 | 7.3 | 14.2% | 3.57B |
| 2024 | 22.6 | 6.4 | 12.7% | 3.23B |
| 2025 | 23.0 | 6.3 | 12.7% | 2.98B |
3 of 7 StockScorer Score rules met · How the score is built
ING Groep NV mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for ING Groep NV. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
3 of 7 rules met
4 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for ING Groep NV.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 13.5 | 15.2 |
| P/B ratio | 1.7 | 1.8 |
| Return on equity (ROE) | 12.7% | 12.5% |
| Equity ratio | 4.7% | 9.2% |
| Debt-to-equity (D/E) | 4.92 | 0.90 |
| Dividend yield | 4.6% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| INGA.AS | ING Groep NVthis page | |
| ABN.AS | ABN Amro Group NV | locked |
| WBC.AX | Westpac Banking Corporation | locked |
| NAB.AX | National Australia Bank Ltd | locked |
| 3328.HK | Bank of Communications Co Ltd | locked |
| BNY | The Bank of New York Mellon Corporation | locked |
Signed up in 30 seconds, free.
Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
How StockScorer rates every stock is explained on the methodology page.