ING Groep N.V.
ING | NYSE
$31.25
-$0.21 (-0.67%)
Nov 2, 2026, 9:51 AM ET · Market open
Market Data
Market Cap $88.85B
Enterprise Value $236.06B
Beta 0.93
Average Volume 2.37M
Shares Outstanding (Diluted) 2.85B
Shares Change YoY -3.66%
Institutional Ownership 4.72%
Exchange NYSE
ISIN US4568371037
Price Performance
Price Change 1M -10.2%
Price Change 3M -11.6%
Price Change 6M 12.4%
Price Change YTD 11.6%
Price Change 1Y 23.7%
Price Change 3Y 135.7%
Price Change 5Y 99.9%
1M CAGR (ann.) -13.6%
1Y CAGR (ann.) 35.1%
5Y CAGR (ann.) 23.5%
All-Time CAGR 15.5%
Valuation
PE Ratio 11.57
Forward PE 8.99
PEG Ratio 0.69
Forward PEG 0.59
PS Ratio 1.88
Forward PS 3.00
PB Ratio 1.55
P/FCF Ratio N/A
P/Adj. FCF Ratio N/A
P/OCF Ratio N/A
EV/Sales 5.77
EV/EBIT 23.70
EV/EBITDA 23.70
EV/FCF N/A
Earnings Yield 8.3%
FCF Yield 0.0%
Adj. FCF Yield 0.0%
Financial Health
Net Debt €157.17B
Total Debt €228.12B
Cash & Short-Term Investments €70.95B
Total Assets €1.2T
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 4.49
Debt / EBITDA 22.90
Debt / FCF N/A
OCF / Debt 0.00
Interest Coverage 0.00
Altman Z-Score 0.17
Piotroski F-Score 3
Margins & Profitability
Gross Profit Margin 94.2%
Operating Profit Margin 24.4%
EBITDA Margin 41.4%
Net Profit Margin 28.0%
FCF Margin 0.0%
Adj. FCF Margin 0.0%
SBC / Revenue 0.2%
SBC Impact (per share) N/A
Returns
Return on Assets 0.6%
Return on Equity 13.5%
Return on Invested Capital 0.6%
Return on Capital Employed 0.8%
Return on Tangible Assets 0.6%
Historical Growth (CAGR)
Revenue CAGR 3Y 1.3%
Revenue CAGR 5Y 13.3%
Revenue CAGR 10Y 5.5%
EPS CAGR 3Y 7.2%
EPS CAGR 5Y 14.9%
EPS CAGR 10Y 10.8%
FCF CAGR 3Y 50.4%
FCF CAGR 5Y 15.4%
FCF CAGR 10Y -45.1%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y 18.2%
Revenue Growth Next 3Y -9.7%
Earnings Date Jan 28, 2027
EPS Estimate (next Q) $0.73
EPS Growth Est (next Q) 16.1%
Revenue Est (next Q) $8.06B
Revenue Growth Est (next Q) 3.7%
Fair Value Estimates
Graham Number $34.78
Graham Upside 10.6%
Lynch Fair Value $40.43
Lynch Upside 28.5%
Price Target $22.50
Price Target Upside -28.5%
Cash Flow
Operating Cash Flow €0
Free Cash Flow €0
Adj. Free Cash Flow €0
FCF Per Share $0.00
OCF Per Share $0.00
OCF/S Ratio 0.0%
Income Statement
Revenue €40.88B
Gross Profit €39.49B
Operating Income €9.96B
EBITDA €9.96B
Net Income €6.75B
EPS (Diluted) $2.34
Revenue / Employee $651.25K
Profit / Employee $107.6K
Employees 62,770
Dividends
Annual Dividend $1.98
Dividend Yield 6.29%
Payout Ratio 84.7%
FCF Payout Ratio N/A
Adj. FCF Payout Ratio N/A
Dividend Growth (YoY) 13.0%
Pay Frequency Quarterly
Ex-Dividend Date Aug 10, 2026
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