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

Equities

ING

US4568371037

Banks

Real-time Estimate Cboe BZX
Other stock markets
 11:44:12 2024-05-03 EDT 		5-day change 1st Jan Change
17.14 USD +0.56% Intraday chart for ING Groep N.V. +7.31% +13.88%
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 52,153 - -
Enterprise Value (EV) 1 41,642 29,801 46,613 40,803 45,542 52,153 52,153 52,153
P/E ratio 8.69 x 11.9 x 9.95 x 11.5 x 6.6 x 8.07 x 7.7 x 7.19 x
Yield 6.46% 1.57% 7.27% 4.91% 8.18% 6.4% 6.64% 7.09%
Capitalization / Revenue 2.27 x 1.69 x 2.52 x 2.2 x 2.02 x 2.37 x 2.34 x 2.3 x
EV / Revenue 2.27 x 1.69 x 2.52 x 2.2 x 2.02 x 2.37 x 2.34 x 2.3 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 0.97 x 0.9 x 0.85 x
Nbr of stocks (in thousands) 3,896,134 3,900,168 3,807,624 3,583,002 3,367,006 3,299,159 - -
Reference price 2 10.69 7.641 12.24 11.39 13.53 15.81 15.81 15.81
Announcement Date 20-02-06 21-02-12 22-02-03 23-02-02 24-02-01 - - -
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 22,035 22,259 22,630
EBITDA - - - - - - - -
EBIT 1 7,954 6,484 7,299 7,363 11,011 10,116 9,774 10,097
Operating Margin 43.45% 36.76% 39.48% 39.67% 48.78% 45.91% 43.91% 44.62%
Earnings before Tax (EBT) 1 6,834 3,809 6,782 5,502 10,492 9,059 8,639 8,598
Net income 1 4,781 2,485 4,776 3,674 7,287 6,224 5,877 5,901
Net margin 26.12% 14.09% 25.83% 19.79% 32.28% 28.25% 26.4% 26.08%
EPS 2 1.230 0.6400 1.230 0.9900 2.050 1.958 2.054 2.199
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 1.012 1.050 1.121
Announcement Date 20-02-06 21-02-12 22-02-03 23-02-02 24-02-01 - - -
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 5,608 5,666 5,538 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 2,606 2,596 2,203 -
Operating Margin 42.21% 36.27% 35.98% 41.54% 40.41% 40.67% 55.16% 54.4% 52.19% 43.14% 45.69% 46.47% 45.82% 39.78% -
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 2,545 2,459 1,938 2,038
Net income 1 1,367 945 429 1,177 979 1,089 1,591 2,155 1,982 1,558 1,578 1,750 1,690 1,330 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% 31.2% 29.83% 24.02% 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 0.5351 0.5295 0.4282 0.4630
Dividend per Share 2 0.4800 0.4100 - 0.1700 - 0.3890 - 0.3500 - 0.7560 - 0.2280 - 0.5981 -
Announcement Date 21-11-04 22-02-03 22-05-06 22-08-04 22-11-03 23-02-02 23-05-11 23-08-03 23-11-02 24-02-01 24-05-02 - - - -
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% 12.5% 12.2% 12.2%
ROA (Net income/ Total Assets) 0.54% 0.27% 0.51% 0.38% 0.75% 0.6% 0.56% 0.56%
Assets 1 889,389 914,612 944,247 959,519 971,730 1,030,438 1,052,687 1,050,060
Book Value Per Share 2 13.80 14.00 14.30 13.80 15.30 16.30 17.60 18.60
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 20-02-06 21-02-12 22-02-03 23-02-02 24-02-01 - - -
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
15.81 EUR
Average target price
16.71 EUR
Spread / Average Target
+5.71%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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