INGVF

ING Groep N.V.

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Price alert · INGVF

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31.45 USD 0.00 0.00%
As of Oct 30, 2026
32.20 Day range 32.20
24.10 52-week range 37.49
YTD
+14.57%
1 year
+31.37%
Open
32.20
Prev close
31.45
Mkt cap
89.35B
Vol
94
Avg vol
9.77K
EPS
2.72
P/E
11.56
More statistics
Low
32.20
High
32.20
Earnings
Oct 29, 2026

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Financial health

Altman Z-Score

0.16 Distress zone

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

Piotroski F-Score

2 / 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 2
  • P/B 2

Valuation

P/E 11.1×
FY 2016: 11.1×FY 2017: 12.2×FY 2018: 7.6×FY 2019: 8.8×FY 2020: 12.1×FY 2021: 10.1×FY 2022: 3.4×FY 2023: 6.7×FY 2024: 7.4×FY 2025: 11.1×
FY 2016 5y median 7.4× FY 2025
P/S 1.2×
FY 2016: 3.0×FY 2017: 3.4×FY 2018: 2.0×FY 2019: 2.3×FY 2020: 2.1×FY 2021: 1.9×FY 2022: 1.4×FY 2023: 0.8×FY 2024: 2.1×FY 2025: 1.2×
FY 2016 5y median 1.4× 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: 0.7×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 1.4×
FY 2016 5y median 0.9× FY 2025
P/FCF -368×
FY 2016: 6.3×FY 2017: -10.7×FY 2018: 5.4×FY 2019: 3.3×FY 2020: 0.3×FY 2021: -3.2×FY 2022: -3.7×FY 2023: 4.1×FY 2024: -2.1×FY 2025: -368×
FY 2016 5y median -3.2× FY 2025
EV/EBITDA 21.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 7.4×FY 2022: 11.9×FY 2023: 9.7×FY 2024: 14.9×FY 2025: 21.5×
FY 2016 5y median 11.9× FY 2025
EV/Sales 3.3×
FY 2016: 9.4×FY 2017: 8.4×FY 2018: 6.6×FY 2019: 5.8×FY 2020: -0.2×FY 2021: 2.3×FY 2022: 2.5×FY 2023: 1.8×FY 2024: 6.6×FY 2025: 3.3×
FY 2016 5y median 2.5× FY 2025
FCF Yield -0.3%
FY 2016: 15.8%FY 2017: -9.3%FY 2018: 18.5%FY 2019: 30.2%FY 2020: 335.2%FY 2021: -31.3%FY 2022: -27.2%FY 2023: 24.1%FY 2024: -48.3%FY 2025: -0.3%
FY 2016 5y median -27.2% FY 2025

Profitability

Gross Margin 36.4%
FY 2016: 100.0%FY 2017: 99.9%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 50.5%FY 2022: 100.0%FY 2023: 37.6%FY 2024: 74.8%FY 2025: 36.4%
FY 2016 5y median 50.5% FY 2025
Operating Margin 15.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 64.4%FY 2019: 36.8%FY 2020: 57.9%FY 2021: 27.2%FY 2022: 20.9%FY 2023: 17.8%FY 2024: 41.8%FY 2025: 15.4%
FY 2016 5y median 20.9% FY 2025
Net Margin 10.7%
FY 2016: 26.8%FY 2017: 27.6%FY 2018: 25.9%FY 2019: 26.1%FY 2020: 17.0%FY 2021: 18.5%FY 2022: 41.2%FY 2023: 12.4%FY 2024: 28.3%FY 2025: 10.7%
FY 2016 5y median 18.5% FY 2025
ROE 12.7%
FY 2016: 9.3%FY 2017: 9.7%FY 2018: 9.2%FY 2019: 8.9%FY 2020: 4.5%FY 2021: 8.9%FY 2022: 21.5%FY 2023: 14.2%FY 2024: 12.7%FY 2025: 12.7%
FY 2016 5y median 12.7% FY 2025
ROIC 0.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.8%FY 2019: 0.8%FY 2020: 0.7%FY 2021: 0.6%FY 2022: 0.1%FY 2023: 3.1%FY 2024: 2.6%FY 2025: 0.7%
FY 2016 5y median 0.7% 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: 1.3%FY 2023: 0.7%FY 2024: 0.6%FY 2025: 0.6%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue 162.1%
FY 2016: 6.2%FY 2017: 2.3%FY 2018: 2.2%FY 2019: 0.7%FY 2020: -20.2%FY 2021: 76.5%FY 2022: 14.1%FY 2023: 100.2%FY 2024: -61.6%FY 2025: 162.1%
FY 2016 FY 2025
Operating Income -3.3%
FY 2016: -100.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: -42.4%FY 2020: 25.6%FY 2021: -17.0%FY 2022: -12.5%FY 2023: 70.7%FY 2024: -9.8%FY 2025: -3.3%
FY 2016 FY 2025
EPS (diluted) 6.1%
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: 102.0%FY 2024: -2.9%FY 2025: 6.1%
FY 2016 FY 2025
Free Cash Flow 99.2%
FY 2016: -20.4%FY 2017: -168.3%FY 2018: 219.3%FY 2019: 91.6%FY 2020: 694.9%FY 2021: -115.0%FY 2022: 25.0%FY 2023: 203.2%FY 2024: -295.4%FY 2025: 99.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.9×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.9×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 3.6×
FY 2016: 2.6×FY 2017: 2.2×FY 2018: 2.6×FY 2019: 2.2×FY 2020: 1.4×FY 2021: 2.2×FY 2022: 2.1×FY 2023: 2.9×FY 2024: 3.4×FY 2025: 3.6×
FY 2016 5y median 2.9× FY 2025
Net Debt / EBITDA 13.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 5.2×FY 2023: 5.4×FY 2024: 10.1×FY 2025: 13.8×
FY 2016 5y median 5.4× FY 2025
Interest Coverage 0.3×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.8×FY 2019: 0.5×FY 2020: 0.9×FY 2021: 0.9×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 5.5%
FY 2016: 4.9%FY 2017: 4.3%FY 2018: 7.0%FY 2019: 6.4%FY 2020: 0.0%FY 2021: 4.9%FY 2022: 7.4%FY 2023: 6.1%FY 2024: 8.2%FY 2025: 5.5%
FY 2016 5y median 6.1% FY 2025
Payout Ratio 61.4%
FY 2016: 54.2%FY 2017: 52.3%FY 2018: 53.5%FY 2019: 56.0%FY 2020: 0.1%FY 2021: 49.9%FY 2022: 25.5%FY 2023: 40.7%FY 2024: 60.7%FY 2025: 61.4%
FY 2016 5y median 49.9% FY 2025

Annual · latest fiscal year ends 2025-12-31