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ING Groep (DE:INNA)
FRANKFURT:INNA

ING Groep (INNA) Price & Analysis

7 Followers

INNA Stock Chart & Stats

€28.20
-€1.20(-4.08%)
At close: 4:00 PM EDT
€28.20
-€1.20(-4.08%)

Bulls Say, Bears Say

Bulls Say
Strong Retail Customer AcquisitionSustained 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 IncomeHigher 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 DistributionsA 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 FlowPersistently 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 LeverageMaterial 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 DeteriorationRising 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.

ING Groep News

INNA FAQ

What was ING Groep’s price range in the past 12 months?
ING Groep lowest stock price was €19.10 and its highest was €30.60 in the past 12 months.
    What is ING Groep’s market cap?
    ING Groep’s market cap is €84.86B.
      When is ING Groep’s upcoming earnings report date?
      ING Groep’s upcoming earnings report date is Oct 29, 2026 which is in 88 days.
        How were ING Groep’s earnings last quarter?
        ING Groep released its earnings results on Jul 30, 2026. The company reported €0.678 earnings per share for the quarter, beating the consensus estimate of €0.637 by €0.041.
          Is ING Groep overvalued?
          According to Wall Street analysts ING Groep’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does ING Groep pay dividends?
            ING Groep does not currently pay dividends.
            What is ING Groep’s EPS estimate?
            ING Groep’s EPS estimate is 0.67.
              How many shares outstanding does ING Groep have?
              ING Groep has 2,873,308,800 shares outstanding.
                What happened to ING Groep’s price movement after its last earnings report?
                ING Groep reported an EPS of €0.678 in its last earnings report, beating expectations of €0.637. Following the earnings report the stock price went down -0.69%.
                  Which hedge fund is a major shareholder of ING Groep?
                  Currently, no hedge funds are holding shares in DE:INNA
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    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.

                    ING Groep (INNA) Earnings & Revenues

                    INNA Company Deck

                    INNA Earnings Call

                    Q2 2026
                    0:00 / 0:00
                    Earnings Call Sentiment|Positive
                    The call communicated multiple strong operational and financial achievements — including robust customer acquisition (>1 million annually), double‑digit fee growth (15% FY, 22% Q4 YoY), record total income for the third consecutive year, solid NII (EUR 15.3 billion) and upgraded 2026–2027 guidance — underpinning upgraded profitability and continued shareholder distributions. At the same time, management disclosed several risks and challenges: notable Stage‑3 provisioning and elevated risk costs in Q4, a quarter‑on‑quarter decline in CET1 driven by distributions and RWA increases, deposit‑to‑loan mix pressure (loan growth outpacing deposits), cost/inflationary headwinds and uncertainty around liability margin pass‑through and treasury hedging income. Overall, the positive momentum, upgraded outlook and strong capital and shareholder return actions outweigh the listed headwinds, while the bank acknowledges and is taking steps to manage the highlighted risks.View all DE:INNA earnings summaries
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