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ING Bank Slaski S.A. (PL:ING)
:ING
Poland Market
ING
ING Bank Slaski S.A.
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ING Bank Slaski S.A. (ING) Ratios

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ING Bank Slaski S.A. Ratios

PL:ING's free cash flow for Q2 2026 was zł0.74. For the 2026 fiscal year, PL:ING's free cash flow was decreased by zł and operating cash flow was zł0.41. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.71 6.78 0.08 0.08 0.06
Quick Ratio
 1.71 6.78 0.08 0.08 0.06
Cash Ratio
 1.71 6.77 0.04 0.04 0.02
Solvency Ratio
 0.02 0.02 0.02 0.02 <0.01
Operating Cash Flow Ratio
 2.28 4.72 0.02 -0.01 0.01
Short-Term Operating Cash Flow Coverage
 2.28 0.00 0.00 0.00 0.00
Net Current Asset Value
zł -282.81Bzł -253.36Bzł -225.93Bzł -212.87Bzł -195.69B
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.07 0.06 0.06 <0.01
Debt-to-Equity Ratio
 1.44 0.90 0.95 0.89 0.22
Debt-to-Capital Ratio
 0.59 0.47 0.49 0.47 0.18
Long-Term Debt-to-Capital Ratio
 0.52 0.47 0.49 0.47 0.18
Financial Leverage Ratio
 15.95 13.21 15.16 14.66 23.25
Debt Service Coverage Ratio
 0.42 0.93 1.07 1.13 0.80
Interest Coverage Ratio
 1.39 1.19 1.26 1.35 0.96
Debt to Market Cap
 0.48 0.43 0.52 0.45 0.10
Interest Debt Per Share
 254.41 184.76 158.74 147.46 34.95
Net Debt to EBITDA
 2.57 2.01 1.22 1.20 -0.51
Profitability Margins
Gross Profit Margin
69.96%66.86%71.94%71.50%75.52%
EBIT Margin
37.42%34.04%35.46%38.47%23.55%
EBITDA Margin
37.84%34.04%37.64%40.67%26.28%
Operating Profit Margin
37.51%34.04%35.46%38.47%23.55%
Pretax Profit Margin
36.15%34.04%35.46%38.47%23.55%
Net Profit Margin
25.76%26.83%27.94%29.87%16.80%
Continuous Operations Profit Margin
25.53%26.54%27.94%29.87%16.80%
Net Income Per EBT
71.26%78.82%78.79%77.64%71.34%
EBT Per EBIT
96.37%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.43%1.64%1.68%1.81%0.79%
Return on Equity (ROE)
22.29%21.71%25.45%26.54%18.35%
Return on Capital Employed (ROCE)
2.13%2.09%14.27%14.22%13.16%
Return on Invested Capital (ROIC)
1.47%1.63%11.24%11.04%9.39%
Return on Tangible Assets
1.44%1.65%1.68%1.81%0.79%
Earnings Yield
7.73%10.42%13.90%13.33%8.00%
Efficiency Ratios
Receivables Turnover
 0.00 1.44K 1.92 1.85 1.16
Payables Turnover
 0.00 14.64 11.76 11.30 12.91
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 17.88 18.41 15.47 14.84 10.75
Asset Turnover
 0.06 0.06 0.06 0.06 0.05
Working Capital Turnover Ratio
 -85.21 -0.17 -0.08 -0.08 -0.06
Cash Conversion Cycle
 0.00 -24.68 158.88 165.13 286.83
Days of Sales Outstanding
 0.00 0.25 189.91 197.42 315.10
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 24.94 31.03 32.30 28.27
Operating Cycle
 0.00 0.25 189.91 197.42 315.10
Cash Flow Ratios
Operating Cash Flow Per Share
 116.90 39.13 26.15 -18.21 22.71
Free Cash Flow Per Share
 115.60 38.37 25.17 -20.64 20.65
CapEx Per Share
 1.30 0.76 0.98 2.44 2.06
Free Cash Flow to Operating Cash Flow
 0.99 0.98 0.96 1.13 0.91
Dividend Paid and CapEx Coverage Ratio
 4.18 1.51 0.76 -7.47 3.09
Capital Expenditure Coverage Ratio
 90.08 51.45 26.80 -7.47 11.02
Operating Cash Flow Coverage Ratio
 0.54 0.27 0.21 -0.16 1.44
Operating Cash Flow to Sales Ratio
 0.87 0.29 0.22 -0.16 0.29
Free Cash Flow Yield
25.89%11.24%10.42%-8.06%12.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.93 9.60 7.19 7.50 12.51
Price-to-Sales (P/S) Ratio
 3.33 2.57 2.01 2.24 2.10
Price-to-Book (P/B) Ratio
 2.96 2.08 1.83 1.99 2.29
Price-to-Free Cash Flow (P/FCF) Ratio
 3.86 8.90 9.59 -12.40 7.98
Price-to-Operating Cash Flow Ratio
 3.82 8.73 9.24 -14.06 7.26
Price-to-Earnings Growth (PEG) Ratio
 -9.64 1.59 -4.38 0.05 -0.49
Price-to-Fair Value
 2.96 2.08 1.83 1.99 2.29
Enterprise Value Multiple
 11.37 9.57 6.56 6.71 7.48
Enterprise Value
 75.15B 56.26B 38.58B 40.55B 20.06B
EV to EBITDA
 11.37 9.57 6.56 6.71 7.48
EV to Sales
 4.30 3.26 2.47 2.73 1.97
EV to Free Cash Flow
 4.99 11.26 11.78 -15.10 7.47
EV to Operating Cash Flow
 4.94 11.04 11.34 -17.12 6.79
Tangible Book Value Per Share
 141.99 159.71 128.42 124.83 68.62
Shareholders’ Equity Per Share
 151.11 163.95 131.93 128.62 71.81
Tax and Other Ratios
Effective Tax Rate
 0.29 0.22 0.21 0.22 0.29
Revenue Per Share
 134.13 132.66 120.15 114.28 78.44
Net Income Per Share
 34.55 35.59 33.57 34.13 13.18
Tax Burden
 0.71 0.79 0.79 0.78 0.71
Interest Burden
 0.97 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.16 0.13 0.03 0.02 0.02
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 3.38 1.10 0.78 -0.53 1.72
Currency in PLN