ING Bank Slaski S.A. (ING) AI Stock Analysis

• Market Cap: €45.21B
• Dividend Yield: 7.26%
• Average Volume (3M): 5.49K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 1.03
• Revenue Growth: 7.35%
• EPS Growth: 3.83%
• Country: PL
• Employees: 8,001
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 8.54
• Shares Outstanding: 130,100,000
• 10 Day Avg. Volume: 4,426
• 30 Day Avg. Volume: 5,488
• PEG Ratio: -4.38
• Price to Book (P/B): 1.83
• Price to Sales (P/S): 1.94
• P/FCF Ratio: 9.59
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 129.88
• Revenue Forecast (FY): €43.37B

• Rating: 75 Outperform
• Price Target: zł345.00 ▼(-0.58% Downside)

The overall stock score of 75 reflects ING Bank Slaski S.A.'s strong financial performance and attractive valuation, which are offset by bearish technical indicators. The bank's robust profitability and efficient operations are significant strengths, while the current market momentum suggests caution. The high dividend yield adds to the stock's appeal, but investors should monitor technical trends closely.

ING Bank Slaski S.A. Business Overview & Revenue Model

Company Description

ING Bank Slaski S.A. is a prominent Polish banking institution that operates as a subsidiary of the global financial services company ING Group. Established in 1988, the bank offers a wide range of financial products and services to both individual and corporate clients. Its core offerings include retail banking services such as savings accounts, loans, mortgages, and investment products, as well as corporate banking services including financing, cash management, and trade finance solutions. ING Bank Slaski is recognized for its innovative digital banking solutions and commitment to customer service.

How the Company Makes Money

ING Bank Slaski generates revenue primarily through interest income from lending activities, such as personal loans, mortgages, and business loans. The bank earns interest on the loans it provides to customers, which is a significant portion of its revenue. Additionally, ING Bank Slaski receives fees and commissions from various banking services, including account management, transaction processing, and advisory services for corporate clients. The bank also makes money through its investment products, which may generate management fees. Strategic partnerships with fintech companies and other financial institutions further enhance its service offerings and attract more customers, contributing to its overall earnings.

ING Bank Slaski S.A. Financial Statement Overview

Summary

ING Bank Slaski S.A. demonstrates strong financial health with robust profitability and efficient operations. The balance sheet reflects a stable capital structure, though rising debt levels warrant attention. Cash flow generation is solid, supporting the bank's ability to sustain operations and growth. Continued focus on revenue growth and debt management will be crucial for maintaining financial strength.

Income Statement

ING Bank Slaski S.A. shows strong profitability with a consistent gross profit margin above 70% in the TTM, and a net profit margin nearing 30%. Revenue growth is steady, albeit moderate, at 2.83% in the TTM. The EBIT and EBITDA margins are robust, indicating efficient operations. However, the slight decline in revenue from the previous year suggests a need for growth acceleration.

Balance Sheet

The bank maintains a healthy debt-to-equity ratio of 0.92 in the TTM, reflecting balanced leverage. Return on equity is strong at 26.12%, indicating effective use of equity to generate profits. The equity ratio is stable, suggesting a solid capital structure. However, the increase in total debt over the years could pose a risk if not managed carefully.

Cash Flow

The cash flow position is strong, with a significant free cash flow growth rate of 33.85% in the TTM. The operating cash flow to net income ratio is low, indicating potential volatility in cash flow generation. However, the free cash flow to net income ratio is nearly 1, showing that the bank effectively converts income into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	15.21B	15.64B	14.87B	10.21B	7.34B	6.94B
Gross Profit	11.62B	11.25B	10.63B	7.71B	6.88B	6.23B
EBITDA	6.14B	5.88B	6.05B	2.68B	3.30B	2.21B
Net Income	4.56B	4.37B	4.44B	1.71B	2.31B	1.34B
Balance Sheet
Total Assets	281.98B	260.36B	245.36B	217.27B	201.65B	186.60B
Cash, Cash Equivalents and Short-Term Investments	9.87B	9.12B	7.71B	3.43B	4.03B	2.50B
Total Debt	16.18B	16.27B	14.95B	2.05B	6.79B	4.84B
Total Liabilities	264.36B	243.19B	228.63B	207.92B	188.12B	167.98B
Stockholders Equity	17.62B	17.17B	16.74B	9.34B	13.53B	18.62B
Cash Flow
Free Cash Flow	15.97B	3.28B	-2.69B	2.69B	314.10M	19.28B
Operating Cash Flow	16.18B	3.40B	-2.37B	2.96B	437.00M	19.44B
Investing Cash Flow	-15.24B	-14.45B	-795.00M	-976.20M	1.25B	-20.91B
Financing Cash Flow	4.55B	12.36B	7.16B	-306.80M	-1.54B	702.50M

ING Bank Slaski S.A. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 347.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:ING, the sentiment is Positive. The current price of 347 is above the 20-day moving average (MA) of 332.78, above the 50-day MA of 318.12, and above the 200-day MA of 309.77, indicating a bullish trend. The MACD of 8.56 indicates Negative momentum. The RSI at 68.90 is Neutral, neither overbought nor oversold. The STOCH value of 92.03 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PL:ING.

ING Bank Slaski S.A. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ING	75 Outperform	€45.21B	9.90	25.90%	7.26%	7.35%	3.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PKO	63 Neutral	zł95.52B	9.52	―	7.08%	6.34%	27.79%
MIL	63 Neutral	€19.41B	18.89	12.54%	―	9.01%	51.90%