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

Equities

INGA

NL0011821202

Banks

Market Closed - Euronext Amsterdam
Other stock markets
 11:35:23 2024-04-26 am EDT 		5-day change 1st Jan Change
14.91 EUR +1.47% Intraday chart for ING Groep N.V. -2.10% +10.23%
Apr. 23 Indices: Euro Stoxx 50 on top, Kospi in slow motion Our Logo
Apr. 22 Asia Week Ahead: BoJ Decision, Korea Q1 GDP Plus Regional Inflation Data MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 41,642 29,801 46,613 40,803 45,542 49,190 - -
Enterprise Value (EV) 1 41,642 29,801 46,613 40,803 45,542 49,190 49,190 49,190
P/E ratio 8.69 x 11.9 x 9.95 x 11.5 x 6.6 x 8.09 x 7.35 x 6.91 x
Yield 6.46% 1.57% 7.27% 4.91% 8.18% 6.33% 6.95% 7.33%
Capitalization / Revenue 2.27 x 1.69 x 2.52 x 2.2 x 2.02 x 2.25 x 2.21 x 2.18 x
EV / Revenue 2.27 x 1.69 x 2.52 x 2.2 x 2.02 x 2.25 x 2.21 x 2.18 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 0.93 x 0.85 x 0.81 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 14.91 14.91 14.91
Announcement Date 2/6/20 2/12/21 2/3/22 2/2/23 2/1/24 - - -
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 21,891 22,213 22,559
EBITDA - - - - - - - -
EBIT 1 7,954 6,484 7,299 7,363 11,011 9,925 9,792 10,081
Operating Margin 43.45% 36.76% 39.48% 39.67% 48.78% 45.34% 44.08% 44.68%
Earnings before Tax (EBT) 1 6,834 3,809 6,782 5,502 10,492 8,689 8,601 8,559
Net income 1 4,781 2,485 4,776 3,674 7,287 5,922 5,871 5,886
Net margin 26.12% 14.09% 25.83% 19.79% 32.28% 27.05% 26.43% 26.09%
EPS 2 1.230 0.6400 1.230 0.9900 2.050 1.843 2.029 2.159
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 0.9434 1.036 1.093
Announcement Date 2/6/20 2/12/21 2/3/22 2/2/23 2/1/24 - - -
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 5,472 5,462 5,587 5,455 5,575
EBITDA - - - - - - - - - - - - - - -
EBIT 1 1,962 1,677 1,655 1,945 1,783 1,980 3,071 3,133 3,049 2,333 2,386 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% 43.6% 47.71% 46.47% 40.39% -
Earnings before Tax (EBT) 1 1,924 1,331 668 1,743 1,380 1,711 2,344 3,035 2,866 2,247 2,061 2,339 2,240 1,763 1,981
Net income 1 1,367 945 429 1,177 979 1,089 1,591 2,155 1,982 1,558 1,469 1,602 1,558 1,205 1,373
Net margin 29.41% 20.44% 9.33% 25.14% 22.19% 22.37% 28.58% 37.42% 33.93% 28.81% 26.85% 29.34% 27.89% 22.1% 24.62%
EPS 2 0.3500 0.2500 0.1100 0.3200 0.2600 0.3000 0.4400 0.6000 0.5600 0.4500 0.4247 0.4927 0.4940 0.3957 0.4540
Dividend per Share 2 0.4800 0.4100 - 0.1700 - 0.3890 - 0.3500 - 0.7560 - 0.2191 - 0.5807 -
Announcement Date 11/4/21 2/3/22 5/6/22 8/4/22 11/3/22 2/2/23 5/11/23 8/3/23 11/2/23 2/1/24 - - - - -
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% 11.8% 11.8% 11.7%
ROA (Net income/ Total Assets) 0.54% 0.27% 0.51% 0.38% 0.75% 0.6% 0.56% 0.56%
Assets 1 889,389 914,612 944,247 959,519 971,730 990,534 1,053,419 1,051,366
Book Value Per Share 2 13.80 14.00 14.30 13.80 15.30 16.00 17.50 18.50
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/6/20 2/12/21 2/3/22 2/2/23 2/1/24 - - -
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
A-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
20
Last Close Price
14.91 EUR
Average target price
16.38 EUR
Spread / Average Target
+9.84%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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