ING GROEP (INN1) Stock Price & Analysis
INN1 Stock Chart & Stats
- Day’s Range
- EUR 28.19 - EUR 28.61
- 52-Week Range
- EUR 20.99 - EUR 32.38
- Previous Close
- EUR 28.85
- Volume
- 35.38K
- Average Volume (3M)
- 38.15K
- Market Cap
- EUR 78.77B
- Enterprise Value
- EUR 245.44B
- Total Cash (Recent Filing)
- EUR 64.95B
- Total Debt (Recent Filing)
- EUR 216.77B
- Price to Earnings (P/E)
- 12.0
- Beta
- 1.04
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 0.61
- Last Dividend Ex-Date
- Aug 03, 2026
- Dividend Yield
- 4.62%
Bulls Say, Bears Say
Bulls Say
Strong Profitability And ROE
ING’s solid margins and low-to-mid teen returns on equity indicate durable earnings power across business cycles. Sustained ROE supports internally generated capital, dividend capacity and reinvestment, enabling long-term shareholder returns and funding for strategic initiatives.
Diversified Retail And Wholesale Model, Digital Emphasis
A combined retail and wholesale franchise with scale in digital distribution lowers distribution costs and broadens customer reach. This diversification across products and channels enhances resilience, scale economics and the ability to cross-sell products over the medium term.
Mixed Revenue Streams (NII + Fees)
A balance of net interest income and recurring fee/commission revenue from payments, cash management and transaction banking reduces single-source dependency. This mixed income base smooths revenue across rate and transaction cycles and supports recurring cash generation.
Bears Say
Elevated Leverage
A persistently high debt-to-equity profile amplifies sensitivity to funding-cost increases and credit stress. Elevated leverage constrains capital flexibility, raises regulatory capital risk and limits the bank’s ability to absorb shocks or pursue material organic growth without external funding.
Volatile, Often Negative Cash Flow
Repeated large swings and episodes of negative operating/free cash flow reduce confidence in cash conversion and internal funding for dividends, buybacks or investments. This volatility increases reliance on external financing and limits strategic flexibility over the medium term.
Top-line Volatility And 2025 Revenue Decline
Material revenue swings and the pronounced 2025 decline weaken earnings predictability and complicate cost allocation. Even with solid margins, sustained top-line instability risks margin compression, lower capital generation and more conservative strategic planning over coming quarters.
ING GROEP News
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Company Description
ING GROEP
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.
- Sector
- General
- Industry
- Banks - Diversified
- CEO
- Steven J. A. van Rijswijk
- Employees
- 62,109
- Website
- www.ing.com
- Address
- Bijlmerdreef 106, Amsterdam, NH, 1102 CT, NL
ING GROEP (INN1) Earnings & Revenues
INN1 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 5 | 12 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 2 | 0 | 10 |