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ING Groep N.V. ING

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Price alert · ING

All alert types
31.46 USD -0.78 -2.42%

At close

31.81 +0.35 +1.11%

Pre-market · Nov 2, 4:17 AM ET

Bid
31.43 × 1,600
Ask
31.47 × 3,000
31.18 Day range 31.69
24.35 52-week range 37.52
YTD
+12.36%
1 year
+23.52%
Open
31.69
Prev close
32.24
Mkt cap
89.38B
Vol
2.80M
Avg vol
2.21M
EPS
2.72
P/E
11.57
Div yield
4.10%
More statistics
Low
31.18
High
31.69
Forward P/E
9.72
Beta
0.00
Short ratio
1.07
Inst. own
4.69%
Dividend
1.32
Ex-div date
Aug 9, 2026
Earnings
Jan 28, 2027
50-d avg
34.96
200-d avg
31.26
1y target
36.50

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Financial health

Altman Z-Score

0.17 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 2

Valuation

P/E 11.2×
FY 2016: 11.2×FY 2017: 12.2×FY 2018: 7.7×FY 2019: 8.7×FY 2020: 12.1×FY 2021: 10.0×FY 2022: 11.1×FY 2023: 11.5×FY 2024: 9.2×FY 2025: 11.2×
FY 2016 5y median 11.1× FY 2025
P/S 3.1×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.3×FY 2020: 1.1×FY 2021: 1.8×FY 2022: 1.2×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 3.1×
FY 2016 5y median 1.2× FY 2025
P/B 1.4×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.4×
FY 2016 5y median 0.9× FY 2025
P/FCF 0.0×
FY 2016: 6.3×FY 2017: -10.8×FY 2018: 5.5×FY 2019: 3.3×FY 2020: 0.3×FY 2021: -3.1×FY 2022: -3.6×FY 2023: -4.1×FY 2024: -2.1×FY 2025: 0.0×
FY 2016 5y median -3.1× FY 2025
EV/EBITDA 20.5×
FY 2016: 25.5×FY 2017: 18.9×FY 2018: 16.0×FY 2019: 16.0×FY 2020: -0.7×FY 2021: 7.6×FY 2022: 11.8×FY 2023: 9.6×FY 2024: 15.0×FY 2025: 20.5×
FY 2016 5y median 11.8× FY 2025
EV/Sales 8.1×
FY 2016: 3.4×FY 2017: 3.1×FY 2018: 3.6×FY 2019: 3.8×FY 2020: -0.1×FY 2021: 2.2×FY 2022: 2.2×FY 2023: 1.8×FY 2024: 2.2×FY 2025: 8.1×
FY 2016 5y median 2.2× FY 2025
FCF Yield 0.0%
FY 2016: 15.8%FY 2017: -9.2%FY 2018: 18.3%FY 2019: 30.3%FY 2020: 341.7%FY 2021: -31.8%FY 2022: -27.6%FY 2023: -24.3%FY 2024: -47.8%FY 2025: 0.0%
FY 2016 5y median -27.6% FY 2025

Profitability

Gross Margin 94.3%
FY 2016: 34.0%FY 2017: 35.3%FY 2018: 54.0%FY 2019: 52.2%FY 2020: 56.4%FY 2021: 69.0%FY 2022: 50.8%FY 2023: 37.6%FY 2024: 32.2%FY 2025: 94.3%
FY 2016 5y median 50.8% FY 2025
Operating Margin 39.7%
FY 2016: 12.2%FY 2017: 15.2%FY 2018: 20.9%FY 2019: 21.1%FY 2020: 14.1%FY 2021: 26.3%FY 2022: 16.4%FY 2023: 17.8%FY 2024: 14.0%FY 2025: 39.7%
FY 2016 5y median 17.8% FY 2025
Net Margin 27.5%
FY 2016: 9.6%FY 2017: 10.2%FY 2018: 14.3%FY 2019: 14.7%FY 2020: 9.2%FY 2021: 18.5%FY 2022: 10.9%FY 2023: 12.4%FY 2024: 9.6%FY 2025: 27.5%
FY 2016 5y median 12.4% FY 2025
ROE 12.7%
FY 2016: 9.3%FY 2017: 9.7%FY 2018: 9.0%FY 2019: 8.9%FY 2020: 4.5%FY 2021: 8.9%FY 2022: 7.4%FY 2023: 14.2%FY 2024: 12.7%FY 2025: 12.7%
FY 2016 5y median 12.7% FY 2025
ROIC 2.8%
FY 2016: 1.8%FY 2017: 2.3%FY 2018: 2.6%FY 2019: 3.0%FY 2020: 1.3%FY 2021: 2.4%FY 2022: 1.7%FY 2023: 3.1%FY 2024: 2.5%FY 2025: 2.8%
FY 2016 5y median 2.5% FY 2025
ROA 0.6%
FY 2016: 0.6%FY 2017: 0.6%FY 2018: 0.5%FY 2019: 0.5%FY 2020: 0.3%FY 2021: 0.5%FY 2022: 0.4%FY 2023: 0.7%FY 2024: 0.6%FY 2025: 0.6%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue -65.3%
FY 2016: -3.6%FY 2017: -0.8%FY 2018: -32.6%FY 2019: 0.3%FY 2020: -17.0%FY 2021: -4.3%FY 2022: 30.3%FY 2023: 75.3%FY 2024: 12.7%FY 2025: -65.3%
FY 2016 FY 2025
Operating Income -1.6%
FY 2016: -4.4%FY 2017: 23.1%FY 2018: -7.1%FY 2019: 1.2%FY 2020: -44.3%FY 2021: 78.1%FY 2022: -18.9%FY 2023: 90.7%FY 2024: -11.4%FY 2025: -1.6%
FY 2016 FY 2025
EPS (diluted) 28.5%
FY 2016: 15.4%FY 2017: 5.0%FY 2018: -4.0%FY 2019: 1.7%FY 2020: -48.0%FY 2021: 92.2%FY 2022: -17.9%FY 2023: 14.9%FY 2024: 42.2%FY 2025: 28.5%
FY 2016 FY 2025
Free Cash Flow 100.0%
FY 2016: -19.8%FY 2017: -167.3%FY 2018: 220.2%FY 2019: 91.6%FY 2020: 710.2%FY 2021: -114.7%FY 2022: 25.0%FY 2023: -2.1%FY 2024: -97.4%FY 2025: 100.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 3.4×
FY 2016: 2.6×FY 2017: 2.2×FY 2018: 2.6×FY 2019: 2.5×FY 2020: 1.4×FY 2021: 2.2×FY 2022: 2.4×FY 2023: 2.9×FY 2024: 3.4×FY 2025: 3.4×
FY 2016 5y median 2.9× FY 2025
Net Debt / EBITDA 12.7×
FY 2016: 17.4×FY 2017: 11.2×FY 2018: 11.0×FY 2019: 10.5×FY 2020: -7.2×FY 2021: 1.3×FY 2022: 5.2×FY 2023: 5.4×FY 2024: 10.2×FY 2025: 12.7×
FY 2016 5y median 5.4× FY 2025
Interest Coverage 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.9×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 4.9%
FY 2016: 4.9%FY 2017: 4.3%FY 2018: 7.2%FY 2019: 6.4%FY 2020: 0.0%FY 2021: 5.0%FY 2022: 7.5%FY 2023: 6.2%FY 2024: 8.1%FY 2025: 4.9%
FY 2016 5y median 6.2% FY 2025
Payout Ratio 55.1%
FY 2016: 54.2%FY 2017: 52.3%FY 2018: 56.6%FY 2019: 56.0%FY 2020: 0.1%FY 2021: 49.9%FY 2022: 84.2%FY 2023: 40.7%FY 2024: 60.7%FY 2025: 55.1%
FY 2016 5y median 55.1% FY 2025

Annual · latest fiscal year ends 2025-12-31