Stock ING ING GROEP N.V.
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Financials ING Groep N.V. Nyse

Equities

ING

US4568371037

Banks

Market Closed - Nyse
Other stock markets
 01:30:02 04/05/2024 am IST 		5-day change 1st Jan Change
17.18 USD +0.76% Intraday chart for ING Groep N.V. +7.78% +14.38%
01:22pm ING GROEP N.V. : Deutsche Bank reiterates its Buy rating ZD
11:50am ING GROEP N.V. : Berenberg keeps its Buy rating ZD

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 41,642 29,801 46,613 40,803 45,542 52,450 - -
Enterprise Value (EV) 1 41,642 29,801 46,613 40,803 45,542 52,450 52,450 52,450
P/E ratio 8.69 x 11.9 x 9.95 x 11.5 x 6.6 x 8.12 x 7.66 x 7.16 x
Yield 6.46% 1.57% 7.27% 4.91% 8.18% 6.35% 6.67% 7.14%
Capitalization / Revenue 2.27 x 1.69 x 2.52 x 2.2 x 2.02 x 2.38 x 2.35 x 2.31 x
EV / Revenue 2.27 x 1.69 x 2.52 x 2.2 x 2.02 x 2.38 x 2.35 x 2.31 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.77 x 0.55 x 0.86 x 0.83 x 0.88 x 0.99 x 0.9 x 0.85 x
Nbr of stocks (in thousands) 38,96,134 39,00,168 38,07,624 35,83,002 33,67,006 32,99,159 - -
Reference price 2 10.69 7.641 12.24 11.39 13.53 15.81 15.81 15.81
Announcement Date 06/02/20 12/02/21 03/02/22 02/02/23 01/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 18,306 17,637 18,490 18,561 22,575 22,044 22,306 22,688
EBITDA - - - - - - - -
EBIT 1 7,954 6,484 7,299 7,363 11,011 10,128 9,887 10,188
Operating Margin 43.45% 36.76% 39.48% 39.67% 48.78% 45.94% 44.33% 44.9%
Earnings before Tax (EBT) 1 6,834 3,809 6,782 5,502 10,492 8,995 8,691 8,676
Net income 1 4,781 2,485 4,776 3,674 7,287 6,189 5,911 5,954
Net margin 26.12% 14.09% 25.83% 19.79% 32.28% 28.07% 26.5% 26.24%
EPS 2 1.230 0.6400 1.230 0.9900 2.050 1.948 2.062 2.209
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.6900 0.1200 0.8900 0.5590 1.106 1.004 1.054 1.128
Announcement Date 06/02/20 12/02/21 03/02/22 02/02/23 01/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 4,648 4,624 4,600 4,682 4,412 4,868 5,567 5,759 5,842 5,408 5,583 5,523 5,629 5,471 5,637
EBITDA - - - - - - - - - - - - - - -
EBIT 1 1,962 1,677 1,655 1,945 1,783 1,980 3,071 3,133 3,049 2,333 2,551 2,620 2,644 2,192 -
Operating Margin 42.21% 36.27% 35.98% 41.54% 40.41% 40.67% 55.16% 54.4% 52.19% 43.14% 45.69% 47.44% 46.97% 40.07% -
Earnings before Tax (EBT) 1 1,924 1,331 668 1,743 1,380 1,711 2,344 3,035 2,866 2,247 2,293 2,426 2,382 1,807 2,038
Net income 1 1,367 945 429 1,177 979 1,089 1,591 2,155 1,982 1,558 1,578 1,690 1,620 1,224 1,404
Net margin 29.41% 20.44% 9.33% 25.14% 22.19% 22.37% 28.58% 37.42% 33.93% 28.81% 28.26% 30.59% 28.78% 22.37% 24.91%
EPS 2 0.3500 0.2500 0.1100 0.3200 0.2600 0.3000 0.4400 0.6000 0.5600 0.4500 0.4800 0.5130 0.5098 0.3941 0.4630
Dividend per Share 2 0.4800 0.4100 - 0.1700 - 0.3890 - 0.3500 - 0.7560 - 0.3370 - 0.6131 -
Announcement Date 04/11/21 03/02/22 06/05/22 04/08/22 03/11/22 02/02/23 11/05/23 03/08/23 02/11/23 01/02/24 02/05/24 - - - -
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 9.4% 4.8% 9.2% 7.2% 14.8% 12.4% 12.1% 12.2%
ROA (Net income/ Total Assets) 0.54% 0.27% 0.51% 0.38% 0.75% 0.6% 0.56% 0.57%
Assets 1 8,89,389 9,14,612 9,44,247 9,59,519 9,71,730 10,28,556 10,49,338 10,51,965
Book Value Per Share 2 13.80 14.00 14.30 13.80 15.30 16.00 17.60 18.70
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 06/02/20 12/02/21 03/02/22 02/02/23 01/02/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for ING Groep N.V.

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
20
Last Close Price
15.9 EUR
Average target price
16.89 EUR
Spread / Average Target
+6.24%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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