ING Groep N.V. - ADR

ING Groep N.V. - ADR

ING

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Market Cap$86.9B
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Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
ING Groep N.V. - ADRING Groep N.V. - ADR11.74.85%13%2.23.6

Earnings Call Q4 2025

January 29, 2026 - AI Summary

Strong Commercial Growth: ING reported over 1 million new mobile primary customers added in 2025, with 8.3% growth in loans year-over-year (YOY). Retail Banking contributed EUR 10.1 billion in net lending, primarily driven by residential mortgages, while Wholesale Banking added EUR 10.3 billion in lending, reflecting strong client demand for working capital solutions.
Record Financial Performance: Total income reached a record high, up 7% YoY, totaling EUR 24 billion for 2026. Commercial Net Interest Income (NII) was EUR 15.3 billion, supported by increased customer balances and a solid returns on equity of 13.2% in 2025.
Positive Cost Management: The bank achieved operational efficiencies through technology investments and effective cost discipline, maintaining a competitive cost-to-income ratio. Expenses excluding incidentals are projected to be between EUR 11.6 billion to EUR 11.8 billion, with a modest positive jaw expected for 2026 and 2027.

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$44.18

Current Fair Value

46.2% upside

Undervalued by 46.2% based on the discounted cash flow analysis.

Share Statistics

Market cap$86.90 Billion
Enterprise Value$201.21 Billion
Dividend Yield$1.47 (4.85%)
Earnings per Share$2.12
Beta0.9
Outstanding Shares2,890,200,000

Return

Return on Equity12.64%ROE
Return on Assets0.57%
Return on Invested Capital3.67%

Valuation & Multiples

P/E Ratio11.67P/E Ratio
PEG168.12PEG
Price to Sales2.16Price to Sales
Price to Book Ratio1.68Price to Book Ratio
Enterprise Value to Revenue4.87
Enterprise Value to EBIT21.72
Enterprise Value to Net Income31
Total Debt to Enterprise0.91
Debt to Equity3.6Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 1, 2026
EPS Estimate
$0.60
Average shareholder expectation
Revenue Estimate
$6.87 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 30, 2026
EPS Estimate
$0.74
Average shareholder expectation
Revenue Estimate
$7.13 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.3475 30.10%
Total Calls2,184,500 23.88%
Total Puts759,185 468.25%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %5.76% 0.00%
Total Invested$4.37B 7.09%
Investors Holding534 3.00%

ESG Score

No data

About ING Groep N.V.

CEO: Steven van Rijswijk

Relevant Senate Committees

Joint Committee on Taxation

This committee provides crucial analysis and 'revenue estimates' for all tax legislation, directly influencing corporate tax structures and capital investment credits, which are vital for a commercial bank's financial planning and operations.

Finance

This powerful committee controls taxation, trade, and entitlement spending. Its decisions on corporate tax policy directly impact a commercial bank's profitability, capital structure, and overall valuation.

Agriculture, Nutrition, and Forestry

This committee oversees the CFTC, which regulates the massive derivatives and futures markets, and is a key player in cryptocurrency regulation. These areas are highly relevant to a commercial bank's trading and financial services.

Banking, Housing, and Urban Affairs

This is the primary committee regulating the financial system, including the Fed and SEC. It directly impacts bank capital requirements, cryptocurrency regulation, and real estate markets, which are core to commercial banking.

Foreign Relations

As a global commercial bank, ING is directly impacted by U.S. foreign policy, sanctions legislation, and international banking access, all of which fall under this committee's purview. Non-public information on these matters would be highly material.