/ING
ING Groep N.V.
ING • NYSEING • NYSE • Financial Services
$26.41-1.64%-0.44
$26.41-1.64%(-0.44)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
20Bearish
Risk
86Low Risk
Momentum
43Neutral
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
94.3%▲62.1pp
Revenue after COGS
Operating
39.7%▲25.7pp
After operating expenses
Net
27.5%▲17.8pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
11.2
Price vs earnings
EV/EBITDA
20.5
Enterprise value
FCF Yield
N/A
Cash generation
Earnings Yield
8.9%
Inverse of P/E
Capital Efficiency
5
GoAI Quality ScoreWeak
ROEReturn on Equity
12.7%Fair
ROAReturn on Assets
0.6%Fair
ROICReturn on Invested Capital
2.8%Fair
Financial Health
Current RatioWeak
0.13
Short-term solvency (>1.5)
Net Debt / EBITDAHigh
12.73x
Debt repayment capacity (<3x)
Income QualityWeak
0.00
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $23.04B | $66.41B | $58.90B | $33.61B | $25.78B |
| Gross Profit | $21.73B | $21.41B | $22.15B | $17.06B | $17.79B |
| Gross Margin | 94.3% | 32.2% | 37.6% | 50.8% | 69.0% |
| Operating Income | $9.15B | $9.30B | $10.49B | $5.50B | $6.78B |
| Net Income | $6.33B | $6.39B | $7.29B | $3.67B | $4.78B |
| Net Margin | 27.5% | 9.6% | 12.4% | 10.9% | 18.5% |
| EPS | $2.12 | $1.65 | $1.16 | $1.02 | $1.23 |
Average Price Target
$22.50▼ 14.8% Downside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for ING Groep N.V., the average price target is $22.50, with a high forecast of $22.50 and a low forecast of $22.50. The average price target represents a 14.8% decrease from the current price of $26.41.
Highest
$22.50
Average
$22.50
Lowest
$22.50
Rating Distribution
Strong Buy
1
6%
Buy
10
59%
Hold
6
35%
Sell
0
0%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Barclays▲ Upgrade
Equal Weight→Overweight
2025-07-15Barclays▲ Upgrade
Equal Weight→Overweight
2024-06-07Barclays▲ Upgrade
Underweight→Equal Weight
2022-03-23Barclays▲ Upgrade
Underweight→Equal Weight
2022-03-22RBC Capital▼ Downgrade
Outperform→Sector Perform
2021-12-02RBC Capital▼ Downgrade
Outperform→Sector Perform
2021-12-01Goldman Sachs▼ Downgrade
Buy→Neutral
2021-11-26Goldman Sachs▼ Downgrade
Buy→Neutral
2021-11-25CFRA● Maintain
Strong Buy
2020-05-11CFRA● Maintain
Strong Buy
2020-05-10Earnings History & Surprises
BEAT RATE
65%
Last 17 quarters
AVG SURPRISE
+39.6%
EPS vs Estimate
BEATS / MISSES
11/5
1 met exactly
LATEST EPS
$0.56
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
+12.0%
$0.56 vs $0.50
Q4 '25
+9.4%
$0.70 vs $0.64
Q3 '25
+8.5%
$0.64 vs $0.59
Q2 '25
-12.5%
$0.49 vs $0.56
Q1 '25
-4.9%
$0.39 vs $0.41
Q4 '24
+114.2%
$0.65 vs $0.30
Q3 '24
+7.6%
$0.58 vs $0.54
Q2 '24
+12.3%
$0.52 vs $0.46
Q1 '24
-2.0%
$0.48 vs $0.49
Q4 '23
+7.0%
$0.61 vs $0.57
Q3 '23
+18.2%
$0.65 vs $0.55
Q2 '23
+27.0%
$0.47 vs $0.37
No investor questions available.
Latest News
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