ING Groep N.V.

$ 27.96 1.58 %

Operating as a prominent global financial services group, ING Groep N.V. delivers a comprehensive suite of banking solutions and offerings across a vast international footprint. Its reach extends throughout the Netherlands, Belgium, Germany, and Poland, encompassing the wider European continent, North and Latin America, Asia, and Australia. The company's operations are structured into six distinct divisions: Retail banking for the Netherlands, Belgium, and Germany, alongside a broader 'Retail Other' category, in addition to its Wholesale Banking and Corporate Line Banking operations. Its product portfolio includes diverse deposit options like checking and savings accounts. ING also extends credit facilities, ranging from business loans to various consumer financing products, including home mortgages, fixed-term loans, revolving credit, and personal unsecured loans. Beyond traditional lending, ING delivers specialized financial services such as debt capital market access, working capital management, export financing, routine transactional banking, treasury and risk management, and corporate finance advisory. Furthermore, it offers specialized lending, equity market services, broader financial solutions, payment processing and cash management, and international trade services. The group also caters to individual needs through savings, investment, insurance, and mortgage services, complemented by advanced digital banking capabilities. Its client base is extensive, serving individual consumers, corporate entities of varying sizes—from small and medium-sized enterprises (SMEs) to larger mid-corporate clients—and other financial institutions. Established in 1762, ING Groep N.V. maintains its corporate headquarters in Amsterdam, the Netherlands.

CEO: Steven J. A. van Rijswijk - https://www.ing.com

Price objectif

-

Recommandation

Buy

DCF

$ -67.83

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INGA.AS vs S&P500

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Quick ratio

0.08

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

12.77

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

2.19

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

12.71 %

reflects reasonable profitability, showing good use of equity.

ROIC

2.65 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

4.33

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

4.23

means it relies more on debt, which can increase financial risk.

Free cash flow per share

0.00

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

0.00 %

the dividend payout ratio is the measure of dividends paid out to shareholders relative to the company's net income.

Earnings per share

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Financials

Piotroski score
3 indicates worrying financial health
Altman score
-0.75 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.08 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.19 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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