ING Groep (0A2K) Share Price & Analysis
0A2K Stock Chart & Stats
- Day’s Range
- $31.54 - $31.54
- 52-Week Range
- $24.75 - $37.50
- Previous Close
- $32.21
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- $88.26B
- Enterprise Value
- $278.03B
- Total Cash (Recent Filing)
- $189.09B
- Total Debt (Recent Filing)
- $185.08B
- Price to Earnings (P/E)
- 12.0
- Beta
- 1.20
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 0.69
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.85%
Bulls Say, Bears Say
Bulls Say
Strong Retail Customer Acquisition
Sustained digital customer additions expand low-cost deposit funding and deepen cross-sell opportunities across banking products. Persistent growth in mobile primary customers supports durable deposit stability, higher lifetime revenue per client, and a scalable channel for product adoption over the next several quarters.
Rising, Diversified Fee Income
Higher recurring fee income reduces reliance on net interest margins and smooths revenue volatility from rates. Structural fee growth across Retail and Wholesale strengthens revenue mix, supports margin durability, and provides a steadier earnings base for reinvestment and shareholder returns over the medium term.
Improved Capital Buffer And Active Distributions
A stronger CET1 position plus completed and ongoing buybacks and dividends signal capital generation and management confidence. Maintaining a ~13% CET1 target provides regulatory headroom while disciplined distributions indicate durable capital management and shareholder-aligned capital allocation policy.
Bears Say
Negative Free Cash Flow
Persistently negative free cash flow suggests the bank struggles to convert accounting profits into cash, limiting internal funding for growth, buybacks or buffers. Over months this raises reliance on external funding and constrains flexibility to absorb shocks or opportunistic investments.
Relatively High Leverage
Material leverage increases sensitivity to credit and market stress, raises regulatory capital consumption and reduces shock-absorption capacity. Over the medium term, elevated leverage can limit growth flexibility and necessitate tighter risk controls or higher capital targets, constraining strategic actions.
Wholesale Credit Deterioration
Rising Stage 3 provisions in Wholesale indicate emerging asset-quality pressure that can persist into future quarters. Increased defaults require higher provisioning, depress net income and ROE, and may force more conservative lending or higher pricing, affecting long-term earnings quality.
0A2K FAQ
What was ING Groep’s price range in the past 12 months?
What is ING Groep’s market cap?
When is ING Groep’s upcoming earnings report date?
How were ING Groep’s earnings last quarter?
Is ING Groep overvalued?
Does ING Groep pay dividends?
What is ING Groep’s EPS estimate?
How many shares outstanding does ING Groep have?
What happened to ING Groep’s price movement after its last earnings report?
Which hedge fund is a major shareholder of ING Groep?
What is the TipRanks Smart Score and how is it calculated?
ING Groep Stock Smart Score
Company Description
ING Groep
ING Groep N.V. functions as a prominent global financial services institution, offering a comprehensive suite of banking products and solutions across a vast international footprint. Its operations extend throughout the Netherlands, Belgium, Germany, Poland, other European countries, North America, Latin America, Asia, and Australia. The company organizes its business into six distinct segments: Retail Banking focused on the Netherlands, Belgium, Germany, and other regions, in addition to its Wholesale Banking and Corporate Line Banking divisions. ING facilitates various client deposits, including checking and savings accounts, and extends credit options to both businesses and individual consumers. These lending products encompass residential mortgage loans, term loans, revolving credit facilities, and personal loans. Furthermore, its extensive offerings include debt and equity capital market services, working capital solutions, export finance, and daily banking conveniences. The firm also provides expertise in treasury and risk management, corporate finance advisory, specialized lending, and general financing. Customers can also utilize payment and cash management systems, international trade services, and a full array of digital banking experiences, alongside its savings, investment, insurance, and mortgage product lines. ING serves a diverse clientele, including individual customers, a broad spectrum of corporate entities—from small and medium-sized enterprises to mid-market corporations—and other financial institutions. The organization, founded in 1762, is headquartered in Amsterdam, the Netherlands.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Steven J. A. van Rijswijk
- Employees
- 62,770
- Website
- www.ing.com
- Address
- Bijlmerdreef 106, Amsterdam, NH, 1102 CT, NL
ING Groep (0A2K) Earnings & Revenues
0A2K Company Deck
0A2K Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. ING reported broad-based customer, loan, deposit, fee income and profitability growth; improved capital efficiency; a 13.3% CET1 ratio; and a EUR 1.9 billion additional distribution. Management also raised or exceeded several medium-term targets and described continued strategic momentum. The main negatives were higher restructuring charges and planned redundancies, elevated reported risk costs driven by an IFRS model update, persistent deposit competition, a slight lending-margin decline and some volatility-related pressure on other income. These challenges were presented as either largely one-off, manageable or linked to investments and restructuring intended to support future efficiency.
View all GB:0A2K earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 4 | 13 |
| Technical Analysis | 3 | 4 | 3 |
| Moving Averages | 2 | 0 | 10 |










