ING Bank Slaski S.A. (ING) AI Stock Analysis

• Market Cap: €40.01B
• Dividend Yield: 8.19%
• Average Volume (3M): 11.32K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 1.07
• Revenue Growth: 7.35%
• EPS Growth: 3.83%
• Country: PL
• Employees: 8,001
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 130,100,000
• 10 Day Avg. Volume: 10,645
• 30 Day Avg. Volume: 11,322
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €345.00
• Price Target Upside: 13.67% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• Price Target: zł345.00 ▲(13.67% Upside)

The overall stock score of 75 reflects ING Bank Slaski S.A.'s strong financial performance and attractive valuation, which are offset by bearish technical indicators. The bank's robust profitability and efficient operations are significant strengths, while the current market momentum suggests caution. The high dividend yield adds to the stock's appeal, but investors should monitor technical trends closely.

ING Bank Slaski S.A. Business Overview & Revenue Model

Company Description

ING Bank Slaski S.A., together with its subsidiaries, provides various banking products and services in Poland. The company operates in two segments, Retail Banking and Corporate Banking. The Retail Banking segment offers various credit products, such as overdraft facilities, loans related to cards, installment loans, and mortgage loans; deposit products, including current accounts, term deposits, and savings accounts; structured products; ING fund units; brokerage services; and bank cards to individual customers. The Corporate Banking segment provides deposit products, such as current accounts, term deposits and negotiated deposits, and savings accounts; loan products, including working and investment loans; and financial markets products, trust services, and capital market operations to institutional clients and individual entrepreneurs. It is also involved in operation and leasing of real estate properties; and the provision of financial intermediary and advisory services. In addition, the company offers leasing and factoring; accountancy and payroll services; education and promotion for the financial market and TURBO certificates; and holiday and training courses. It operates 312 branches. The company was founded in 1989 and is headquartered in Katowice, Poland. ING Bank Slaski S.A. is a subsidiary of ING Bank NV.

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 revenue. Additionally, ING Bank Slaski receives fees and commissions from various banking services, including account management, transaction processing, and advisory services for corporate clients. The bank also makes money through its investment products, which may generate management fees. Strategic partnerships with fintech companies and other financial institutions further enhance its service offerings and attract more customers, contributing to its overall earnings.

ING Bank Slaski S.A. Financial Statement Overview

Summary

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Balance Sheet

Cash Flow

Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
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ING Bank Slaski S.A. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 303.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:ING, the sentiment is Negative. The current price of 303.5 is below the 20-day moving average (MA) of 307.27, below the 50-day MA of 322.07, and above the 200-day MA of 295.44, indicating a neutral trend. The MACD of -4.09 indicates Negative momentum. The RSI at 39.88 is Neutral, neither overbought nor oversold. The STOCH value of 43.16 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PL:ING.

ING Bank Slaski S.A. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ING	75 Outperform	€40.01B	8.78	28.73%	8.19%	7.35%	3.83%
PKO	63 Neutral	zł88.15B	8.78	17.76%	7.77%	6.34%	27.79%
MIL	63 Neutral	zł17.94B	20.55	9.25%	―	9.01%	51.90%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%