Ing Group Nv Stock Analysis

ING Stock  USD 30.91  0.56  1.85%   
Below is the normalized historical share price chart for ING Group NV extending back to May 18, 1994. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of ING Group stands at 30.91, as last reported on the 5th of February, with the highest price reaching 31.14 and the lowest price hitting 30.56 during the day.
IPO Date
18th of November 1996
200 Day MA
24.262
50 Day MA
27.7152
Beta
0.886
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
ING Group NV has over 169.33 Billion in debt which may indicate that it relies heavily on debt financing. At this time, ING Group's Debt To Equity is most likely to slightly decrease in the upcoming years. The ING Group's current Interest Debt Per Share is estimated to increase to 70.86, while Short Term Debt is projected to decrease to roughly 73 B. ING Group's financial risk is the risk to ING Group stockholders that is caused by an increase in debt.

Asset vs Debt

Equity vs Debt

ING Group's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. ING Group's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps ING Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect ING Group's stakeholders.
For many companies, including ING Group, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for ING Group NV, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, ING Group's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.5259
Price Sales
4.1209
Shares Float
2.9 B
Dividend Share
1.086
Wall Street Target Price
28.95
At this time, ING Group's Stock Based Compensation To Revenue is most likely to slightly decrease in the upcoming years. . At this time, ING Group's Price Sales Ratio is most likely to increase slightly in the upcoming years.
ING Group NV is undervalued with Real Value of 34.78 and Target Price of 28.95. The main objective of ING Group stock analysis is to determine its intrinsic value, which is an estimate of what ING Group NV is worth, separate from its market price. There are two main types of ING Group's stock analysis: fundamental analysis and technical analysis.
The ING Group stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and ING Group's ongoing operational relationships across important fundamental and technical indicators.
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in ING Group NV. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

ING Stock Analysis Notes

The company has price-to-book (P/B) ratio of 1.53. Some equities with similar Price to Book (P/B) outperform the market in the long run. ING Group NV has Price/Earnings To Growth (PEG) ratio of 1.73. The entity last dividend was issued on the 17th of April 2026. The firm had 2:1 split on the 13th of July 2001. ING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, Germany, Poland, Rest of Europe, North America, Latin America, Asia, and Australia. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands. ING Groep operates under BanksDiversified classification in the United States and is traded on New York Stock Exchange. It employs 57000 people. To learn more about ING Group NV call Steven Rijswijk at 31 20 563 9111 or check out https://www.ing.com.

ING Group NV Investment Alerts

ING Group NV has about 259.31 B in cash with (22.54 B) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 68.96, which can makes it an attractive takeover target, given it will continue generating positive cash flow.
On 23rd of January 2026 ING Group paid $ 0.201 per share dividend to its current shareholders
Latest headline from thelincolnianonline.com: Bank of Montreal Reaches New 1-Year High Heres What Happened

ING Largest EPS Surprises

Earnings surprises can significantly impact ING Group's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2024-10-31
2024-09-300.280.310.0310 
2020-11-05
2020-09-300.27020.2365-0.033712 
2018-05-07
2018-03-310.330.36380.033810 
View All Earnings Estimates

ING Group Environmental, Social, and Governance (ESG) Scores

ING Group's ESG score is a quantitative measure that evaluates ING Group's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of ING Group's operations that may have significant financial implications and affect ING Group's stock price as well as guide investors towards more socially responsible investments.

ING Group Thematic Classifications

In addition to having ING Group stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Power Assets Idea
Power Assets
High potential, large capitalization stocks theme

ING Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Lazard Asset Management Llc2025-06-30
3.8 M
Todd Asset Management2025-06-30
2.8 M
T. Rowe Price Associates, Inc.2025-06-30
2.2 M
Envestnet Asset Management Inc2025-06-30
1.9 M
Teachers Retirement System Of The State Of Kentucky2025-06-30
1.8 M
Wells Fargo & Co2025-06-30
1.7 M
Millennium Management Llc2025-06-30
1.6 M
Causeway Capital Management Llc2025-06-30
1.5 M
American Century Companies Inc2025-06-30
1.4 M
Fisher Asset Management, Llc2025-06-30
60.9 M
Arrowstreet Capital Limited Partnership2025-06-30
9.8 M
Note, although ING Group's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

ING Market Capitalization

The company currently falls under 'Large-Cap' category with a total capitalization of 89.55 B.

ING Profitablity

The company has Net Profit Margin of 0.29 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.4 %, which entails that for every 100 dollars of revenue, it generated $0.4 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.02  0.02 
Return On Assets 0.01  0.01 
Return On Equity 0.12  0.13 

Management Efficiency

The ING Group's current Return On Equity is estimated to increase to 0.13, while Return On Tangible Assets are projected to decrease to 0.01. At this time, ING Group's Intangible Assets are most likely to decrease significantly in the upcoming years. The ING Group's current Intangibles To Total Assets is estimated to increase to 0, while Other Assets are projected to decrease to roughly 615.1 B. ING Group's management efficiency ratios could be used to measure how well ING Group manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 17.07  15.62 
Tangible Book Value Per Share 16.57  14.92 
Enterprise Value Over EBITDA 22.59  24.95 
Price Book Value Ratio 1.41  1.18 
Enterprise Value Multiple 22.59  24.95 
Price Fair Value 1.41  1.18 
Enterprise Value138.1 B160.5 B
Leadership effectiveness at ING Group NV is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.
Dividend Yield
0.0358
Operating Margin
0.3974
Profit Margin
0.2912
Forward Dividend Yield
0.0416
Beta
0.886

Technical Drivers

As of the 5th of February, ING Group retains the Semi Deviation of 0.9304, market risk adjusted performance of 2.62, and Risk Adjusted Performance of 0.2009. ING Group technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices. Please check out ING Group NV variance, as well as the relationship between the maximum drawdown and semi variance to decide if ING Group is priced fairly, providing market reflects its last-minute price of 30.91 per share. Given that ING Group NV has jensen alpha of 0.3768, we strongly advise you to confirm ING Group NV's regular market performance to make sure the company can sustain itself in the future.

ING Group NV Price Movement Analysis

The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Moving Average is predictive technique used to analyze ING Group NV price data points by creating a series of averages of different subsets of ING Group entire price series.

ING Group Outstanding Bonds

ING Group issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. ING Group NV uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most ING bonds can be classified according to their maturity, which is the date when ING Group NV has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

ING Group Predictive Daily Indicators

ING Group intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of ING Group stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

ING Group Corporate Filings

6K
3rd of February 2026
A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.
ViewVerify
6K
29th of January 2026
A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.
ViewVerify
6K
27th of January 2026
A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.
ViewVerify
6K
20th of January 2026
A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.
ViewVerify
6K
13th of January 2026
A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.
ViewVerify
6K
6th of January 2026
A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.
ViewVerify
6K
30th of December 2025
A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.
ViewVerify
6K
23rd of December 2025
A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.
ViewVerify

ING Group Forecast Models

ING Group's time-series forecasting models are one of many ING Group's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary ING Group's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

ING Group NV Debt to Cash Allocation

Many companies such as ING Group, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
ING Group NV has 169.33 B in debt with debt to equity (D/E) ratio of 3.09, meaning that the company heavily relies on borrowing funds for operations. ING Group NV has a current ratio of 1.18, demonstrating that it may not be capable to disburse its financial commitments when the payables are due. Note however, debt could still be an excellent tool for ING to invest in growth at high rates of return.

ING Group Total Assets Over Time

ING Group Assets Financed by Debt

The debt-to-assets ratio shows the degree to which ING Group uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

ING Group Debt Ratio

    
  20.0   
It seems as most of the ING Group's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the ING Group's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of ING Group, which in turn will lower the firm's financial flexibility.

ING Group Corporate Bonds Issued

Most ING bonds can be classified according to their maturity, which is the date when ING Group NV has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

ING Short Long Term Debt Total

Short Long Term Debt Total

171.12 Billion

At this time, ING Group's Short and Long Term Debt Total is most likely to increase significantly in the upcoming years.

About ING Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how ING Group prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling ING shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as ING Group. By using and applying ING Stock analysis, traders can create a robust methodology for identifying ING entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.40  0.42 
Operating Profit Margin 0.40  0.26 
Net Profit Margin 0.27  0.29 
Gross Profit Margin 0.94  1.60 

Current ING Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. ING analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. ING analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
28.95Hold2Odds
ING Group NV current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most ING analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand ING stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of ING Group NV, talking to its executives and customers, or listening to ING conference calls.
ING Analyst Advice Details

ING Stock Analysis Indicators

ING Group NV stock analysis indicators help investors evaluate how ING Group stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading ING Group shares will generate the highest return on investment. By understating and applying ING Group stock analysis, traders can identify ING Group position entry and exit signals to maximize returns.
Begin Period Cash Flow69.1 B
Long Term Debt169.3 B
Common Stock Shares OutstandingB
Total Stockholder Equity49.7 B
Tax Provision2.5 B
Quarterly Earnings Growth Y O Y15.95
Property Plant And Equipment Net2.5 B
Cash And Short Term Investments106.3 B
Cash52.9 B
Net Debt116.4 B
50 Day M A27.7152
Total Current Liabilities819.1 B
Other Operating Expenses13.9 B
Non Current Assets Total948.1 B
Forward Price Earnings10.8932
Non Currrent Assets Other64.9 B

Complementary Tools for ING Stock analysis

When running ING Group's price analysis, check to measure ING Group's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ING Group is operating at the current time. Most of ING Group's value examination focuses on studying past and present price action to predict the probability of ING Group's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ING Group's price. Additionally, you may evaluate how the addition of ING Group to your portfolios can decrease your overall portfolio volatility.
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