ING GROEP (0RIC) Share Price & Analysis
0RIC Stock Chart & Stats
- Day’s Range
- EUR 27.93 - EUR 29.28
- 52-Week Range
- EUR 20.81 - EUR 32.39
- Previous Close
- EUR 27.82
- Volume
- N/A
- Average Volume (3M)
- 1.48M
- Market Cap
- EUR 77.26B
- Enterprise Value
- EUR 245.44B
- Total Cash (Recent Filing)
- EUR 64.95B
- Total Debt (Recent Filing)
- EUR 216.77B
- Price to Earnings (P/E)
- 12.4
- Beta
- 1.16
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 0.61
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.47%
Bulls Say, Bears Say
Bulls Say
Strong Profitability
Strong margins and healthy returns on equity indicate that ING is converting its banking activities into substantial earnings. This profitability provides capacity to absorb credit-cycle pressure, invest in digital and transaction platforms, and support shareholder distributions over the next several quarters.
Capital Resilience
A 13.3% CET1 ratio provides an important capital buffer for a large bank facing geopolitical and confidence-related uncertainty. Maintaining capital near its target supports regulatory resilience, continued lending capacity, and flexibility to return excess capital without weakening the franchise.
Diversified Banking Franchise
ING’s broad customer and product mix spreads earnings across consumer banking, mortgages, business lending, transaction services, and institutional activities. This diversified universal-bank model can deepen client relationships and reduce reliance on a single market, product, or income stream.
Bears Say
High Leverage
Persistently high leverage leaves ING more sensitive to funding costs, credit deterioration, and changes in financial-market conditions. Although common for banks, this balance-sheet structure can amplify earnings pressure during a downturn and constrain flexibility when capital must be preserved.
Volatile Cash Generation
Repeated swings in operating and free cash flow reduce confidence that reported earnings consistently translate into internally available cash. This volatility can complicate the funding of dividends, buybacks, and balance-sheet growth, particularly if credit or market conditions weaken.
Unstable Revenue Trend
Sharp revenue changes make ING’s top-line earnings base less predictable, even though profitability remains strong. Greater volatility can complicate planning and capital allocation, while weaker revenue momentum may limit operating leverage and reduce resilience if expenses or credit costs rise.
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
- 60,000
- Website
- www.ing.com
- Address
- Bijlmerdreef 106, Amsterdam, NH, 1102 CT, NL
ING GROEP (0RIC) Earnings & Revenues
0RIC Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 6 | 8 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 6 | 0 | 6 |
