ING
Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
ING Groep N.V.
- Nom
- ING Groep N.V.
- Secteur
- Financial Services
- Industrie
- Banks - Diversified
- Bourse
- NYSE
- Capitalisation
- $90.4B
- Employés
- 62,770
- PDG
- Steven J. A. van Rijswijk
- Site web
- https://www.ing.com
- Marché
- BACBCSCDBHSBCJPM
ING Groep N.V. functions as a prominent global financial services institution, offering a comprehensive suite of banking products and solutions across a vast international footprint. Its operations extend throughout the Netherlands, Belgium, Germany, Poland, other European countries, North America, Latin America, Asia, and Australia. The company organizes its business into six distinct segments: Retail Banking focused on the Netherlands, Belgium, Germany, and other regions, in addition to its Wholesale Banking and Corporate Line Banking divisions. ING facilitates various client deposits, including checking and savings accounts, and extends credit options to both businesses and individual consumers. These lending products encompass residential mortgage loans, term loans, revolving credit facilities, and personal loans. Furthermore, its extensive offerings include debt and equity capital market services, working capital solutions, export finance, and daily banking conveniences. The firm also provides expertise in treasury and risk management, corporate finance advisory, specialized lending, and general financing. Customers can also utilize payment and cash management systems, international trade services, and a full array of digital banking experiences, alongside its savings, investment, insurance, and mortgage product lines. ING serves a diverse clientele, including individual customers, a broad spectrum of corporate entities—from small and medium-sized enterprises to mid-market corporations—and other financial institutions. The organization, founded in 1762, is headquartered in Amsterdam, the Netherlands.
Price (1 year)
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Decouvert par les declarations du Congres
- Insiders
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- Total bought
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Avg buy (VWAP, 90d window) —
- Total sold
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Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
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- Last synced
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2026-10-06 10:56:08
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Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
No Form 4 filings for this company in this window.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-10-31 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-10-30 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-10-30 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2025-09-12 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-06-24 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2024-09-13 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2024-01-12 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-10-13 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-07-10 | Daniel Goldman | Sale (Full) | $50,001 - $100,000 |
| 2023-05-12 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-04-14 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-03-31 | Daniel Goldman | Purchase | $1,001 - $15,000 |
| 2023-03-10 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2023-02-10 | Ro Khanna | Purchase | $15,001 - $50,000 |
| 2020-11-13 | Greg Gianforte | Sale (Partial) | $1,001 - $15,000 |
| 2020-03-18 | Greg Gianforte | Purchase | $1,001 - $15,000 |
| 2019-01-02 | John Henry Rutherford | Sale (Full) | $1,001 - $15,000 |
| 2018-12-21 | Greg Gianforte | Sale (Partial) | $15,001 - $50,000 |
| 2017-07-11 | John Henry Rutherford | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
ING presents a moderately bullish earnings catalyst with its raised 2027 ROE target above 16% and improving net margins (27.5%), but the extremely weak liquidity ratios (current/quick ratio of 0.13) and high…
The first sentence of the analysis written for ING on 2026-10-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. No open-market purchase or sale value stored
- Congress Supports a bullish reading. 3 purchase disclosures year to date
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.13 · operating margin 40% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 94.3% | 32.2% | 37.6% | 50.8% | 69.0% | |
| Ebit Margin | 39.7% | 14.0% | 17.8% | 16.4% | 26.3% | |
| Ebitda Margin | 39.7% | 15.0% | 19.0% | 18.5% | 29.5% | |
| Operating Profit Margin | 39.7% | 14.0% | 17.8% | 16.4% | 26.3% | |
| Pretax Profit Margin | 39.7% | 14.0% | 17.8% | 16.4% | 26.3% | |
| Continuous Operations Profit Margin | 28.7% | 10.0% | 12.8% | 11.2% | 19.0% | |
| Net Profit Margin | 27.5% | 9.6% | 12.4% | 10.9% | 18.5% | |
| Bottom Line Profit Margin | 27.5% | 9.6% | 12.4% | 10.9% | 18.5% | |
| Current Ratio | 0.130 | 0.153 | 0.179 | 0.159 | 0.184 | |
| Quick Ratio | 0.130 | 0.153 | 0.179 | 0.159 | 0.184 | |
| Solvency Ratio | 0.006 | 0.007 | 0.009 | 0.005 | 0.006 | |
| Cash Ratio | 0.065 | 0.092 | 0.122 | 0.116 | 0.142 | |
| Price To Earnings Ratio | 11.241 | 9.171 | 11.512 | 11.143 | 9.952 | |
| Price To Earnings Growth Ratio | 0.395 | 0.217 | 0.839 | -0.653 | 0.108 | |
| Forward Price To Earnings Growth Ratio | 0.395 | 0.217 | 0.839 | -0.653 | 0.108 | |
| Price To Earnings Diluted Ratio | 11.241 | 9.171 | 11.512 | 11.253 | 9.952 | |
| Price To Earnings Diluted Growth Ratio | 0.395 | 0.217 | 0.775 | -0.629 | 0.108 | |
| Price To Book Ratio | 1.431 | 0.952 | 0.929 | 0.824 | 0.883 | |
| Price To Sales Ratio | 3.088 | 0.721 | 0.808 | 1.224 | 1.847 | |
| Price To Free Cash Flow Ratio | 0.000 | -2.094 | -4.109 | -3.626 | -3.148 | |
| Price To Operating Cash Flow Ratio | 0.000 | -2.125 | -4.198 | -3.702 | -3.186 | |
| Debt To Assets Ratio | 0.161 | 0.168 | 0.154 | 0.123 | 0.122 | |
| Debt To Equity Ratio | 3.407 | 3.405 | 2.928 | 2.394 | 2.152 | |
| Debt To Capital Ratio | 0.773 | 0.773 | 0.745 | 0.705 | 0.683 | |
| Long Term Debt To Capital Ratio | 0.773 | 0.772 | 0.744 | 0.703 | 0.680 | |
| Financial Leverage Ratio | 21.216 | 20.284 | 19.040 | 19.392 | 17.643 | |
| Working Capital Turnover Ratio | -0.034 | -0.107 | -0.096 | -0.054 | -0.044 | |
| Operating Cash Flow Ratio | 0.000 | -0.030 | -0.015 | -0.015 | -0.020 | |
| Operating Cash Flow Sales Ratio | 0.000 | -0.339 | -0.193 | -0.331 | -0.580 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.000 | 1.015 | 1.022 | 1.021 | 1.012 | |
| Debt Service Coverage Ratio | 0.000 | 0.167 | 0.226 | 0.305 | 0.765 | |
| Interest Coverage Ratio | 0.000 | 0.212 | 0.289 | 0.374 | 0.905 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.000 | -0.132 | -0.076 | -0.093 | -0.129 | |
| Capital Expenditure Coverage Ratio | 0.000 | -67.904 | -46.098 | -48.104 | -81.212 | |
| Dividend Paid And Capex Coverage Ratio | 0.000 | -5.354 | -3.529 | -3.343 | -5.823 | |
| Dividend Payout Ratio | 0.551 | 0.607 | 0.407 | 0.842 | 0.499 | |
| Enterprise Value Multiple | 20.503 | 14.967 | 9.647 | 11.811 | 7.559 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 94.3% | ▲62.1% | ▲37.5% |
| Ebit Margin | 39.7% | ▲25.7% | ▲16.9% |
| Ebitda Margin | 39.7% | ▲24.7% | ▲15.4% |
| Operating Profit Margin | 39.7% | ▲25.7% | ▲16.9% |
| Pretax Profit Margin | 39.7% | ▲25.7% | ▲16.9% |
| Continuous Operations Profit Margin | 28.7% | ▲18.6% | ▲12.3% |
| Net Profit Margin | 27.5% | ▲17.8% | ▲11.7% |
| Bottom Line Profit Margin | 27.5% | ▲17.8% | ▲11.7% |
| Current Ratio | 0.130 | ▼-0.024 | ▼-0.031 |
| Quick Ratio | 0.130 | ▼-0.024 | ▼-0.031 |
| Solvency Ratio | 0.006 | ▼-0.001 | ▼-0.000 |
| Cash Ratio | 0.065 | ▼-0.028 | ▼-0.043 |
| Price To Earnings Ratio | 11.241 | ▲2.070 | ▲0.637 |
| Price To Earnings Growth Ratio | 0.395 | ▲0.177 | ▲0.213 |
| Forward Price To Earnings Growth Ratio | 0.395 | ▲0.177 | ▲0.213 |
| Price To Earnings Diluted Ratio | 11.241 | ▲2.070 | ▲0.615 |
| Price To Earnings Diluted Growth Ratio | 0.395 | ▲0.177 | ▲0.222 |
| Price To Book Ratio | 1.431 | ▲0.479 | ▲0.427 |
| Price To Sales Ratio | 3.087 | ▲2.366 | ▲1.550 |
| Price To Free Cash Flow Ratio | 0.000 | ▲2.094 | ▲2.595 |
| Price To Operating Cash Flow Ratio | 0.000 | ▲2.125 | ▲2.642 |
| Debt To Assets Ratio | 0.161 | ▼-0.007 | ▲0.015 |
| Debt To Equity Ratio | 3.407 | ▲0.002 | ▲0.550 |
| Debt To Capital Ratio | 0.773 | ▲0.000 | ▲0.037 |
| Long Term Debt To Capital Ratio | 0.773 | ▲0.001 | ▲0.039 |
| Financial Leverage Ratio | 21.216 | ▲0.933 | ▲1.701 |
| Working Capital Turnover Ratio | -0.034 | ▲0.073 | ▲0.033 |
| Operating Cash Flow Ratio | 0.000 | ▲0.030 | ▲0.016 |
| Operating Cash Flow Sales Ratio | 0.000 | ▲0.340 | ▲0.288 |
| Free Cash Flow Operating Cash Flow Ratio | 0.000 | ▼-1.015 | ▼-0.814 |
| Debt Service Coverage Ratio | 0.000 | ▼-0.167 | ▼-0.293 |
| Interest Coverage Ratio | 0.000 | ▼-0.212 | ▼-0.356 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.000 | ▲0.132 | ▲0.086 |
| Capital Expenditure Coverage Ratio | 0.000 | ▲67.904 | ▲48.663 |
| Dividend Paid And Capex Coverage Ratio | 0.000 | ▲5.354 | ▲3.610 |
| Dividend Payout Ratio | 0.551 | ▼-0.056 | ▼-0.030 |
| Enterprise Value Multiple | 20.503 | ▲5.536 | ▲7.606 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $71.12B | $47.90B | $47.61B | $41.13B | $47.61B | |
| Enterprise value | $187.56B | $149.27B | $107.72B | $73.38B | $57.57B | |
| EV / Sales | 8.14x | 2.25x | 1.83x | 2.18x | 2.23x | |
| EV / Op. cash flow | 0.00x | -6.62x | -9.50x | -6.60x | -3.85x | |
| EV / Free cash flow | 0.00x | -6.53x | -9.30x | -6.47x | -3.81x | |
| EV / EBITDA | 20.50x | 14.97x | 9.65x | 11.81x | 7.56x | |
| Net debt / EBITDA | 12.73x | 10.16x | 5.38x | 5.19x | 1.31x | |
| Current ratio | 0.13x | 0.15x | 0.18x | 0.16x | 0.18x | |
| Income quality | 0.00x | -2.42x | -1.08x | -2.02x | -2.51x | |
| Graham number | $28 | $27 | $26 | $18 | $20 | |
| Graham net-net | -$301 | -$270 | -$222 | -$221 | -$195 | |
| Tax burden | 69.2% | 68.7% | 69.5% | 66.8% | 70.4% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$712.77B | -$640.92B | -$602.92B | -$630.39B | -$609.29B | |
| Invested capital | -$708.78B | -$637.15B | -$599.32B | -$626.85B | -$605.62B | |
| Return on assets | 0.6% | 0.6% | 0.7% | 0.4% | 0.5% | |
| Operating ROA | 0.9% | 0.9% | 1.1% | 0.6% | 0.7% | |
| Return on tangible assets | 0.6% | 0.6% | 0.7% | 0.4% | 0.5% | |
| Return on equity | 12.7% | 12.7% | 14.2% | 7.4% | 8.9% | |
| Return on invested capital | 2.8% | 2.5% | 3.1% | 1.7% | 2.4% | |
| Return on capital employed | 3.9% | 3.5% | 4.3% | 2.5% | 3.3% | |
| Earnings yield | 8.9% | 13.3% | 15.3% | 8.9% | 10.0% | |
| Free cash flow yield | 0.0% | -47.8% | -24.3% | -27.6% | -31.8% | |
| Capex / Op. cash flow | 0.0% | -1.5% | -2.2% | -2.1% | -1.2% | |
| Capex / Depreciation | 0.0% | 49.3% | 36.5% | 32.5% | 22.1% | |
| Capex / Sales | 0.0% | 0.5% | 0.4% | 0.7% | 0.7% | |
| SG&A / Sales | 0.0% | 12.2% | 13.1% | 21.4% | 27.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.1% | 0.1% | |
| Intangibles / Total assets | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | |
| Days sales outstanding | 0d | 5d | 5d | 10d | 19d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 5d | 5d | 10d | 19d | |
| Cash conversion cycle | 0d | 5d | 5d | 10d | 19d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-24 ING Group Raises 2027 ROE Target Above 16% as Revenue, AI Drive Growth ING Group NYSE: ING CEO Steven van Rijswijk said the bank''s improved profitability outlook is being supported by stronger revenue growth, operating scalability and capital discipline, while management remains focused on organic expansion and targeted bolt-on acquisitions.
- 2026-09-23 ING Groep N.V. (ING) Presents at Bank of America 31st Annual Financials CEO Conference Transcript ING Groep N.V. (ING) Presents at Bank of America 31st Annual Financials CEO Conference Transcript
- 2026-09-17 ING to redeem Perpetual Capital Securities ING to redeem Perpetual Capital Securities ING announced today it will redeem USD 1,500 million of 5.750% Perpetual Additional Tier 1 Contingent Convertible Capital Securities (the “Perpetual Capital Securities”) on the call date of 16 November 2026, in line with ING''s goal to continuously optimise its capital structure. The Perpetual Capital Securities (CUSIP 456837AR4/ISIN US456837AR44) will be redeemed in full in accordance with their terms, with payment to be made on 16 November 2026.
- 2026-09-15 ING Groep N.V. (ING) Presents at Barclays 24th Annual Global Financial Services Conference Transcript ING Groep N.V. (ING) Presents at Barclays 24th Annual Global Financial Services Conference Transcript
- 2026-09-10 ING Groep (ING) is a Great Momentum Stock: Should You Buy? Does ING Groep (ING) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-09-02 Australia raises capital requirements for ING''s local unit after overstating liquidity position Australia''s prudential regulator said on Thursday that it set license conditions for ING''s local unit, requiring the bank to hold more liquidity and capital after it overstated its liquidity position and at times breached minimum requirements.
- 2026-08-25 ING DCF Analysis: Intrinsic Value $35 vs Price $35 On August 25, 2026, we delve into the DCF analysis for ING Groep NV (ING), a company that has shown notable price performance with a year-to-date increase of 31
- 2026-08-24 Gold''s price rally will depend on sustained investment demand, Fed inflation response – ING''s Manthey Gold prices are surging on the back of renewed investment demand and growing worry about the U.S. fiscal outlook, but sticky inflation and the prospect of Fed rate hikes mean the path higher is unlikely to be a straight one, according to Ewa Manthey, Commodities Strategist at ING.In her latest analysis, Manthey said that fiscal risks have given gold fresh momentum, driving prices above $4,600 per ounce.
- 2026-08-18 ING DCF Analysis: Intrinsic Value $35 vs Price $36 On August 18, 2026, we delve into the DCF analysis for ING Groep NV (ING), a company that has shown impressive price performance over the past year, with a 50.5
- 2026-08-14 ING to redeem two series of SEC registered Senior Notes ING to redeem two series of SEC registered Senior Notes ING announced today it will redeem two series of outstanding SEC registered securities: the USD 500 million Callable Floating Rate Senior Notes due 2027 (CUSIP 456837BJ1/ ISIN US456837BJ19) and the USD 1,250 million 6.083% Callable Fixed-to-Floating Rate Senior Notes due 2027 (CUSIP 456837BF9/ ISIN US456837BF96) (together the “Callable Senior Notes”) on their contractual call date of 11 September 2026. The Callable Senior Notes will be redeemed in full in accordance with their terms, with payment to be made on 11 September 2026.