ING Groep N.V. INGA.AS
Composite 64/100; the shares have moved about 26% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 45/100 — a slight mark against it.
Momentum ranks 93/100 — a strong point in its favour. Income ranks 81/100 — a strong point in its favour. Quality ranks 65/100 — a moderate point in its favour.
Balance-sheet strength ranks 45/100 — a slight mark against it.
What the company does ING Groep N.V. (INGA.AS) is a diversified European bank offering retail and wholesale banking, insurance, and investment services across the Netherlands, Belgium, Germany, and other markets. Its segments include Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking, serving individuals, SMEs, and corporate clients.
Key financials ING reports ROE 16.6%, ROA 0.8%, and net margin 34.2%. Revenue grew 2.9% while EPS rose 13.7%. Gross margin is 100.0% and operating margin 41.7%. The dividend yield is 0.0% with a payout ratio of 48.4%.
Stock health Momentum is strong: +16.14% over 3m, +20.25% over 6m, and +55.15% over 12m. RSI(14) is 55.40. Sideravia scores ING 56.9 overall, with Valuation 71.9 and Momentum 78.3, but Quality 56.1 and Strength 35.2 lag.
Price vs fair value ING trades at a discount of 10.10% to our fair-value estimate of 31.64 and a discount of 5.37% to the 12-month target of 30.29. - CEO signals defense loan book could double in next couple of years (The Wall Street Journal) - Plans $10B in credit risk transfer deals to expand lending capacity (MT Newswires) - Q2 earnings call highlights positive outlook (MarketBeat) - European ADRs tracking higher amid broad equity strength (MT Newswires)
Looking forward Forward P/E is 12.08 and PEG 1.24, suggesting moderate valuation relative to growth. Analysts (20.0) see upside to 30.29, while the fair value estimate of 31.64 implies ~10% upside. Momentum and valuation metrics support a constructive view, though quality and strength scores remain mixed.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.