Netherlands€28.26-2.06%
Click any ratio for an explanation.
Revenue shrank -2.8% a year over the last 4 fiscal years, which caps the score no matter how profitable the company is. Profit per share grew faster (+14.4% a year), so margins are widening as it scales. Analysts expect further profit growth next year: the forward multiple is +27.8% below the trailing one.
| Ratio | Value | Weak → Strong | Score | Wt |
|---|---|---|---|---|
| +14.4% | -5% → +20% | 78 | 40% | |
| -2.8% | -2% → +15% | 0 | 35% | |
| +27.8% | -10% → +30% | 94 | 25% |
The windows point in different directions (-7.3% in 3 months against +32.9% over a year), so the trend has recently turned. A one-year gain of this size is what lifts the score toward the top of the range.
| Ratio | Value | Weak → Strong | Score | Wt |
|---|---|---|---|---|
| -7.3% | -20% → +20% | 32 | 35% | |
| +7.2% | -25% → +30% | 59 | 30% | |
| +32.9% | -30% → +45% | 84 | 35% |
net debt/EBITDA and debt/equity are not published for this company, so the score leans on the rest. Based on 50% of the inputs — the rest is not published for this instrument.
| Ratio | Value | Weak → Strong | Score | Wt |
|---|---|---|---|---|
| n/a | 3.5x → -1.0x | — | 30% | |
| n/a | 200% → 10% | — | 20% | |
| 0.8% | 0% → 15% | 5 | 15% | |
| 0.13 | 0.8x → 2.0x | 0 | 10% | |
| 5/9 | 3/9 → 8/9 | 40 | 10% | |
| -0.7 | 1.8 → 5.0 | 0 | 10% | |
| 0.3x | 2x → 20x | 0 | 5% |
Return on equity of 17.8% is respectable but not exceptional. About 34% of every euro of revenue survives as net profit, which points to real pricing power. ROIC of 3.5% is modest, so part of the equity return comes from leverage rather than operations.
| Ratio | Value | Weak → Strong | Score | Wt |
|---|---|---|---|---|
| 17.8% | 5% → 35% | 43 | 30% | |
| 47.5% | 3% → 30% | 100 | 25% | |
| 34.4% | 2% → 25% | 100 | 20% | |
| 3.5% | 4% → 20% | 0 | 15% | |
| 94.3% | 15% → 60% | 100 | 10% |
At 12.1x trailing earnings the share is priced around market average. The forward P/E of 9.5 is lower, so expected profit growth makes it look cheaper looking ahead. A dividend yield of 4.0% adds to the return while you wait. Based on 60% of the inputs — the rest is not published for this instrument.
| Ratio | Value | Weak → Strong | Score | Wt |
|---|---|---|---|---|
| 12.1x | 40x → 8x | 87 | 30% | |
| 9.5x | 32x → 7x | 90 | 20% | |
| n/a | 22x → 6x | — | 15% | |
| 4.02% | 0% → 6% | 67 | 10% | |
| n/a | 1.6x → 0.7x | — | 25% |
Annualised volatility of 22.6% is normal for a single share. The worst fall in the past year was -11.0%, a shallow setback. A beta of 0.91 means it broadly follows the market.
| Ratio | Value | Weak → Strong | Score | Wt |
|---|---|---|---|---|
| 22.6% | 55% → 15% | 81 | 40% | |
| -11.0% | -40% → -8% | 91 | 35% | |
| 0.91 | 1.8 → 0.7 | 81 | 25% |
Source: Yahoo Finance + EODHD
Last 5 fiscal years plus the current year. Click any row for an explanation.
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- Mean target
- €34.48
- Target range
- €26.00 – €42.40
- Implied upside
- +22.0%
- Consensus score
- 1.95
Quarterly results · 28 Jan 2027
Next reporting date published by the company
Dividend
Forward annual dividend 1.14 EUR; last ex-dividend 2026-08-03. Next date not yet published
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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.
ing.com