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Ing Groep N.V. (NL:INGA)
:INGA
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ING GROEP (INGA) AI Stock Analysis

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NL:INGA

ING GROEP

(LSE:INGA)

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Neutral 69 (OpenAI - 4o)
Rating:69Neutral
Price Target:
€22.50
▲(1.26% Upside)
ING Groep's stock is moderately attractive with a solid valuation and strong technical momentum. However, financial performance concerns, particularly cash flow issues and operational challenges, temper the overall score. The strong dividend yield and reasonable P/E ratio add to its investment appeal, but caution is advised due to potential short-term volatility suggested by overbought technical indicators.
Positive Factors
Negative Factors

ING GROEP (INGA) vs. iShares MSCI Netherlands ETF (EWN)

ING GROEP Business Overview & Revenue Model

Company DescriptionING 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.
How the Company Makes MoneyING makes money through various revenue streams, primarily from interest income, fees, and commissions. The bank earns a significant portion of its revenue from interest on loans it provides to individuals and businesses, which is often higher than the interest it pays on customer deposits. Additionally, ING generates income through fees for services such as account management, transaction processing, and investment products. The bank also engages in wholesale banking activities, including lending to corporations and financial institutions, which contributes to its earnings. Strategic partnerships with fintech companies enhance its digital offerings and attract new customers, further boosting revenue. Furthermore, ING's focus on cost management and efficiency supports its profitability.

ING GROEP Financial Statement Overview

Summary
ING Groep demonstrates strong revenue growth and net profitability, but faces significant operational and cash flow challenges. A stable balance sheet with moderate leverage is overshadowed by declining ROE and negative cash flow metrics, which are concerns that need addressing.
Income Statement
65
Positive
ING Groep's revenue growth from 2023 to 2024 was 13.7%, indicating a positive trajectory. However, the EBIT margin has turned negative, signaling potential operational challenges. The net profit margin remains healthy at 31.9%, showcasing profitability despite operational issues.
Balance Sheet
70
Positive
The debt-to-equity ratio is moderate at 3.18, indicating a balanced leverage position for a bank. The equity ratio stands at 4.93%, suggesting a typical banking structure. However, ROE has decreased to 12.7%, reflecting reduced efficiency in generating returns on equity.
Cash Flow
50
Neutral
Free cash flow has significantly deteriorated, with a growth rate of -384.5% from 2023 to 2024, posing a liquidity risk. The operating cash flow to net income ratio is negative, indicating cash flow challenges despite reported profits.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue41.21B66.41B17.63B33.61B25.78B17.82B
Gross Profit40.30B21.41B17.63B17.06B19.51B14.61B
EBITDA8.93B9.97B11.17B6.21B7.62B4.57B
Net Income6.17B6.39B7.29B3.67B4.78B2.48B
Balance Sheet
Total Assets1.09T1.02T975.58B967.82B951.29B937.38B
Cash, Cash Equivalents and Short-Term Investments123.94B115.13B130.06B118.60B137.80B147.07B
Total Debt167.58B227.63B173.26B119.50B116.01B183.84B
Total Liabilities1.04T969.24B923.40B917.41B896.63B881.62B
Stockholders Equity49.12B50.31B51.24B49.91B53.92B54.64B
Cash Flow
Free Cash Flow0.00-56.15B4.83B-11.34B-15.13B12.14B
Operating Cash Flow0.00-55.82B5.07B-11.11B-14.94B12.42B
Investing Cash Flow0.00-6.03B-1.67B-5.31B6.22B-2.45B
Financing Cash Flow0.0038.65B-4.89B4.65B5.39B47.99B

ING GROEP Technical Analysis

Technical Analysis Sentiment
Positive
Last Price22.22
Price Trends
50DMA
20.79
Positive
100DMA
19.60
Positive
200DMA
17.65
Positive
Market Momentum
MACD
0.37
Negative
RSI
68.08
Neutral
STOCH
86.12
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NL:INGA, the sentiment is Positive. The current price of 22.22 is above the 20-day moving average (MA) of 21.34, above the 50-day MA of 20.79, and above the 200-day MA of 17.65, indicating a bullish trend. The MACD of 0.37 indicates Negative momentum. The RSI at 68.08 is Neutral, neither overbought nor oversold. The STOCH value of 86.12 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NL:INGA.

ING GROEP Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
22.59B10.019.20%4.76%-10.84%-10.98%
79
Outperform
12.18B7.038.19%2.15%2.01%79.48%
69
Neutral
€66.23B11.0312.42%5.49%0.47%-2.06%
64
Neutral
10.66B8.167.49%5.55%-6.64%
64
Neutral
15.32B12.527.34%5.96%-15.54%10.53%
62
Neutral
11.84B10.899.02%5.65%16.35%67.44%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
NL:INGA
ING GROEP
22.23
7.06
46.51%
GB:0RDM
ABN AMRO Group N.V.
26.97
11.85
78.37%
GB:0Q0Y
Aegon NV
6.74
1.33
24.58%
GB:0RHS
ASR Nederland N.V
57.15
15.19
36.20%
GB:0K9V
HAL Trust
135.20
19.05
16.40%
GB:0QVV
NN Group N.V.
59.43
17.35
41.23%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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: Jul 30, 2025