ING$29.01
Chart
Performance
Key Stats
AI ING Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuyING Groep N.V. presents a compelling investment case with strong fundamental performance, particularly in profitability and dividends, supported by a solid balance sheet. Thematic alignment is moderate, while technical indicators suggest a cautiously optimistic outlook with potential for short-term volatility. Overall, it is suitable for investors seeking income and stable growth.
Thematic
ING Groep N.V. operates in the traditional banking sector, with moderate exposure to emerging themes such as digital banking transformation and ESG initiatives. Its positioning in core financial services is stable but lacks significant disruptive thematic growth potential.
Fundamental
ING Groep N.V. demonstrates strong profitability and a robust balance sheet. Its significant dividend yield is a key attraction for income-seeking investors. Revenue and earnings have shown stability, and the company maintains healthy capital levels.
Technical
The stock is trading within its 52-week range and shows mixed signals across different timeframes. While the long-term trend appears upward, short-term oscillators indicate potential consolidation or a mild pullback.
| Factor | Score |
|---|---|
| Digital Banking Transformation | 70 |
| ESG & Sustainability | 65 |
| Fintech Integration | 50 |
| Geopolitical & Economic Sensitivity | 40 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 88 |
| Growth | 60 |
| Balance Sheet Health | 85 |
| Cash Flow | 50 |
| Dividends | 95 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 60 |
| Volume Confirmation | 65 |
| Support & Resistance | 65 |
| Moving Averages | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Positive Earnings Momentum
The company has consistently beaten EPS estimates in recent quarters, with a positive surprise of 9.29% in Q1 2023, indicating strong operational execution.
Attractive Dividend Yield
The dividend yield is 12.2%, offering a substantial income stream to investors, which is considerably higher than the industry average.
Bearish Points (7)
Increasing Debt Load
Total debt has increased significantly from $116 billion in Q4 2021 to $171 billion in Q4 2024, potentially increasing financial risk.
Negative Free Cash Flow
The company has reported negative free cash flow for the past few years, including -$22.87 billion in 2024Q4, which could limit future investments and dividend sustainability.
Calendar
April 2025
25
Ex-Dividend Date
May 2025
9
Next Dividend Date
July 2025
31
Next Earnings Date
H: $0.61
A: $0.61
L: $0.61
H: 5.70B
A: 5.63B
L: 5.54B
Profile
ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. It accepts current and savings accounts, as well as time deposits. The company also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, it provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. The company serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.
Seasonals
Price Target
22.65 USD
The 39 analysts offering 1 year price forecasts for ING have a max estimate of 24.00 and a min estimate of 21.30.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Major European Bank, Direct Competitor in Retail and Corporate Banking.
Weight: 92
Global Bank with Strong European and Latin American Presence, Direct Competitor.
Weight: 91
Global Bank with Strong European and Latin American Presence, Direct Competitor.
Weight: 90
Major German Bank, Diversified Financial Services, Key European Peer.