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ING Bank Slaski S.A. (ING) AI Stock Analysis
ING Bank Slaski S.A.
(Warsaw:ING)
The overall score is driven by excellent financial resilience and income, highlighted by robust margins, high return on equity, and an outstanding dividend yield at an undemanding valuation. The absence of technical momentum data and modest recent revenue growth temper the score, but the core fundamentals remain very strong for a regional bank.
ING Bank Slaski S.A. (ING) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- PLN 59.04B
- Dividend Yield
- 5.89%
- Average Volume (3M)
- 20.04K
- Price to Earnings (P/E)
- 13.1
- Beta (1Y)
- 1.08
- Revenue Growth
- 3.62%
- EPS Growth
- -1.09%
- Country
- PL
- Employees
- 7,710
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
ING Bank Slaski S.A. Business Overview & Revenue Model
Company Description
ING Bank Slaski S.A., along with its affiliated companies, offers a broad spectrum of banking solutions and services across Poland. Its operations are structured into two distinct divisions: Retail Banking and Corporate Banking. The Retail Banking se...
How the Company Makes Money
ING Bank Slaski generates revenue primarily through interest income from lending activities, such as personal loans, mortgages, and business loans. The bank earns interest on the loans it provides to customers, which is a significant portion of its r...
ING Bank Slaski S.A. Financial Statement Overview
Summary
ING Bank ÅšlÄ…ski S.A. demonstrates robust financial health: high profit margins (gross 71.5%, net 29.7%), strong EBIT/EBITDA, high return on equity (26.1%), prudent leverage (D/E 0.92 down YoY), and surging free cash flow. The only concerns are slowing revenue growth (2.8% TTM vs. prior years) and occasional volatility in bank cash flows. Stability and profitability are standout strengths.
Income Statement
82Very PositiveBalance Sheet
77PositiveCash Flow
79Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.50B | 17.27B | 15.64B | 14.87B | 10.21B | 7.34B |
| Gross Profit | 12.51B | 11.55B | 11.25B | 10.63B | 7.71B | 6.88B |
| EBITDA | 6.85B | 5.88B | 5.88B | 6.05B | 2.68B | 3.30B |
| Net Income | 4.52B | 4.63B | 4.37B | 4.44B | 1.71B | 2.31B |
Balance Sheet | ||||||
| Total Assets | 321.60B | 282.02B | 260.36B | 245.36B | 217.27B | 201.65B |
| Cash, Cash Equivalents and Short-Term Investments | 19.87B | 7.31B | 9.12B | 7.71B | 3.43B | 4.03B |
| Total Debt | 19.92B | 19.11B | 16.27B | 14.95B | 2.05B | 6.79B |
| Total Liabilities | 302.61B | 260.68B | 243.19B | 228.63B | 207.92B | 188.12B |
| Stockholders Equity | 18.99B | 21.34B | 17.17B | 16.74B | 9.34B | 13.53B |
Cash Flow | ||||||
| Free Cash Flow | 10.78B | 5.00B | 3.28B | -2.69B | 2.69B | 314.10M |
| Operating Cash Flow | 11.03B | 5.09B | 3.40B | -2.37B | 2.96B | 437.00M |
| Investing Cash Flow | -30.42B | -19.84B | -14.45B | -795.00M | -976.20M | 1.25B |
| Financing Cash Flow | 26.74B | 13.70B | 12.36B | 7.16B | -306.80M | -1.54B |
ING Bank Slaski S.A. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:ING, the sentiment is Neutral. The current price of 453.80 is below the 20-day moving average (MA) of 457.52, below the 50-day MA of 455.08, and above the 200-day MA of 425.44, indicating a neutral trend. The MACD of -0.44 indicates Negative momentum. The RSI at 48.55 is Neutral, neither overbought nor oversold. The STOCH value of 70.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PL:ING.
ING Bank Slaski S.A. Peers Comparison
Overall Rating
- PL:ING74Outperform
PL:MIL61Neutral
Financial Indicators
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PL:ING | ING Bank Slaski S.A. | 453.80 | 155.57 | 52.17% | |
| PL:PEO | BANK POLSKA KASA OPIEKI SA | 262.50 | 87.44 | 49.95% | |
| PL:BNP | BNP Paribas Bank Polska Spolka Akcyjna | 169.40 | 63.61 | 60.13% | |
| PL:ALR | Alior Bank SA | 133.35 | 36.20 | 37.27% | |
| PL:MIL | Bank Millennium SA | 22.95 | 7.31 | 46.74% | |
| PL:MBK | mBank SA | 1632.00 | 617.50 | 60.87% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Sep 16, 2025