-0.58%
6.12%
2.46%
-4.14%
21.73%
22.94%
63.50%
AI Spotlight on INGA
Company Description
ING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, Germany, Poland, Rest of Europe, North America, Latin America, Asia, and Australia.It operates in six segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, Wholesale Banking, and Corporate Line Banking.The company accepts various deposits, such as current and savings accounts; and offers business lending products, as well as consumer lending products, such as residential mortgage loans, term loans, and revolver and personal loans.
It also provides debt capital market, working capital, export finance, daily banking, treasury and risk, and corporate finance solutions; and specialized lending, equity market, finance, payments and cash management, and trade services and solutions, as well as savings, investment, insurance, mortgage, and digital banking services.The company serves customers, corporate clients, and financial institutions, including small and medium-sized, and mid-corporates.ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.
Market Data
| Last Price | 16.06 |
| Change Percentage | -0.58% |
| Open | 16.15 |
| Previous Close | 16.15 |
| Market Cap ( Millions) | 48259 |
| Volume | 7375967 |
| Year High | 17.24 |
| Year Low | 11.9 |
| M A 50 | 15.16 |
| M A 200 | 15.78 |
Financial Ratios
| FCF Yield | 0.00% |
| Dividend Yield | 7.89% |
| ROE | 12.99% |
| Debt / Equity | 328.36% |
| Net Debt / EBIDTA | 6684.15% |
| Price To Book | 1.0 |
| Price Earnings Ratio | 7.56 |
| Price To FCF | 0 |
| Price To sales | 2.13 |
| EV / EBITDA | 114.06 |
News
- Jan -28 - Progress on share buyback programme
- Jan -28 - ING to sell its business in Russia to Global Development JSC
- Jan -27 - Is ING Groep N.V. (ING) the Best European Bank Stock to Buy According to Analysts?
- Jan -24 - Oil Posts First Weekly Drop of 2025 as Trump Rattles Market
- Jan -24 - Oil Heads for First Weekly Drop of 2025 as Trump Rattles Market
- Jan -24 - Oil Set for First Weekly Drop This Year as Trump Rattles Market
- Jan -24 - Oil Set for First Weekly Drop This Year as Trump Rattles Market
- Jan -22 - Oil Holds Drop as Trump’s Tariff Threats Raise Trade War Fears
- Jan -21 - Commodities Retreat as Trump Pushes Ahead With Tariff Threats
- Jan -21 - Commodities Retreat as Trump Pushes Ahead With Tariffs Threat
- Jan -21 - Progress on share buyback programme
- Jan -17 - Oil Notches Fourth Weekly Advance as Sanctions Threaten Supplies
- Jan -17 - Oil Heads for Fourth Weekly Advance as Sanctions Threaten Supply
- Jan -17 - Oil Heads for Fourth Weekly Advance on Sanctions Risk to Supply
- Jan -14 - Oil Swings Near Five-Month High as Gaza Ceasefire Draws Closer
- Jan -14 - Progress on share buyback programme
- Jan -14 - Oil Holds Near Five-Month High as Global Supply Risks Intensify
- Jan -08 - ING Groep Advances €2 Billion Share Buyback Programme
- Jan -07 - ING Announces Cash Payment and Share Buyback in €2.5 Billion Distribution Plan
- Jan -07 - Progress on share buyback programme
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Wholesale Banking
Expected Growth : 8 %
What the company do ?
Wholesale Banking from ING Groep N.V. provides financial services to corporate clients, including cash management, trade finance, and lending solutions.
Why we expect these perspectives ?
ING Wholesale Banking's 8% growth driven by increasing demand for transaction services, trade finance, and working capital solutions. Strong growth in lending, particularly in Europe and Asia, also contributed to the segment's performance. Additionally, the bank's digital transformation efforts and investments in innovation have improved operational efficiency and enhanced customer experience, further supporting growth.
Segment n°2 -> Retail Netherlands
Expected Growth : 9 %
What the company do ?
Retail Netherlands is the Dutch retail banking division of ING Groep N.V., providing personal and business banking services to individuals and small businesses in the Netherlands.
Why we expect these perspectives ?
ING Groep N.V.'s Retail Netherlands segment growth of 9% is driven by increasing digital adoption, rising e-commerce penetration, and a strong mortgage market. Additionally, the segment benefits from the Dutch economy's steady growth, low unemployment, and increasing consumer confidence, leading to higher spending and borrowing activities.
Segment n°3 -> Retail Other
Expected Growth : 8 %
What the company do ?
Retail Other from ING Groep N.V. refers to the bank's non-core retail banking activities, including private banking, real estate, and other miscellaneous operations.
Why we expect these perspectives ?
ING Groep N.V.'s Retail Other segment growth of 8% is driven by increasing demand for digital banking services, expansion into new markets, and strategic partnerships. Additionally, investments in customer experience, mobile banking apps, and online platforms have improved customer engagement and retention, contributing to the segment's growth.
Segment n°4 -> Retail Germany
Expected Growth : 7 %
What the company do ?
Retail Germany is a division of ING Groep N.V. that provides consumer and commercial banking services to individuals and businesses in Germany.
Why we expect these perspectives ?
ING Germany's 7% retail growth driven by increasing online banking adoption, rising e-commerce penetration, and a growing middle class. Strong brand recognition, digital transformation, and strategic partnerships also contribute to growth. Additionally, Germany's stable economy, low unemployment, and increasing consumer confidence support retail banking growth.
Segment n°5 -> Retail Belgium
Expected Growth : 8 %
What the company do ?
Retail Belgium is the Belgian retail banking division of ING Groep N.V., providing personal and business banking services to individuals and SMEs in Belgium.
Why we expect these perspectives ?
ING Groep N.V.'s Retail Belgium segment growth of 8% is driven by increasing digital adoption, rising e-commerce penetration, and a growing demand for online banking services. Additionally, the segment benefits from a strong brand presence, strategic partnerships, and a focus on customer experience, leading to increased customer loyalty and retention.
Segment n°6 -> Corporate Line
Expected Growth : 9 %
What the company do ?
The Corporate Line from ING Groep N.V. provides large corporations with tailored financial solutions, including cash management, trade finance, and risk management services.
Why we expect these perspectives ?
ING Groep N.V.'s Corporate Line growth of 9% is driven by increasing demand for cash management and trade finance services, expansion into emerging markets, and strategic partnerships. Additionally, investments in digitalization and innovation have improved operational efficiency, enabling the company to capitalize on market opportunities and drive revenue growth.
Ing Groep N.V. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | ING provides personal banking services to individuals, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Wholesale Banking | ING offers corporate banking services to large corporations, including cash management, trade finance, and lending. |
| Commercial Banking | ING provides banking services to small and medium-sized enterprises, including business loans, credit cards, and cash management. |
| Investment Management | ING offers investment management services to individuals and institutions, including mutual funds, exchange-traded funds, and institutional mandates. |
| Insurance | ING provides life insurance, non-life insurance, and pension products to individuals and companies. |
| Wealth Management | ING offers wealth management services to high net worth individuals, including investment advice, portfolio management, and estate planning. |
ING Groep N.V.'s Porter Forces
Threat Of Substitutes
ING Groep N.V. operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand recognition and diversified product offerings mitigate the threat of substitutes to some extent.
Bargaining Power Of Customers
ING Groep N.V. has a large customer base, and individual customers have limited bargaining power. However, the company operates in a highly competitive industry, and customers can easily switch to competitors, giving them significant bargaining power.
Bargaining Power Of Suppliers
ING Groep N.V. has a diversified supplier base, and no single supplier has significant bargaining power over the company. The company's large scale of operations also gives it negotiating power over its suppliers.
Threat Of New Entrants
The banking and financial services industry has high barriers to entry, including regulatory hurdles and significant capital requirements. This limits the threat of new entrants and gives ING Groep N.V. a competitive advantage.
Intensity Of Rivalry
The banking and financial services industry is highly competitive, with many established players competing for market share. ING Groep N.V. faces intense competition from both traditional banks and fintech companies, which can erode its market share and profitability.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 81.63% |
| Debt Cost | 12.08% |
| Equity Weight | 18.37% |
| Equity Cost | 12.08% |
| WACC | 12.08% |
| Leverage | 444.31% |
ING Groep N.V. : Quality Control
ING Groep N.V. passed 0 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| UBSG.SW | UBS Group AG provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and … |
| NWG.L | NatWest Group plc, together with its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers in the United Kingdom and internationally. It operates through … |
| HSBA.L | HSBC Holdings plc provides banking and financial services worldwide. The company operates through Wealth and Personal Banking, Commercial Banking, and Global Banking and Markets segments. The Wealth and Personal Banking … |
| SHB-A.ST | Svenska Handelsbanken AB (publ) provides various banking products and services for private and corporate customers primarily in Sweden, the United Kingdom, Norway, the Netherlands, the United States, Luxembourg, China, Germany, … |
| BARC.L | Barclays PLC, through its subsidiaries, provides various financial products and services in the United Kingdom, Europe, the Americas, Africa, the Middle East, and Asia. The company operates through Barclays UK … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Barclays
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HSBC
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NatWest
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Handelsbanken
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ING
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1-Year Total Return ->
6
