ING Bank Slaski S.A. (PL:ING)
:ING
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ING Bank Slaski S.A.
(ING)
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Rating:77Outperform
Price Target:
zł350.00
▼(-1.96% Downside)
Action:N/ADate:09/14/25
The overall score of 77 for ING Bank Slaski S.A. is driven primarily by strong financial performance, with exceptional cash flow growth and profitability. A compelling valuation with a low P/E ratio and high dividend yield further supports the score. However, balance sheet risks due to low equity and moderate leverage, along with neutral technical signals due to lack of data, prevent a higher rating.
Positive Factors
Strong Profitability
High profitability margins indicate efficient operations and pricing power, supporting long-term financial stability and growth potential.
Negative Factors
Rising Debt Levels
Increasing debt levels may strain cash flow and limit financial flexibility, potentially impacting long-term financial stability.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
High profitability margins indicate efficient operations and pricing power, supporting long-term financial stability and growth potential.
Read all positive factors
ING Bank Slaski S.A. (ING) vs. SPDR S&P 500 ETF (SPY)
Market Cap
zł54.45B
Dividend Yield7.36%
Average Volume (3M)5.49K
Price to Earnings (P/E)9.6
Beta (1Y)0.95
Revenue Growth7.35%
EPS Growth3.83%
CountryPL
Employees8,001
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)10.55
Shares Outstanding130,100,000
10 Day Avg. Volume4,426
30 Day Avg. Volume5,488
Financial Highlights & Ratios
PEG Ratio1.59
Price to Book (P/B)2.08
Price to Sales (P/S)2.57
P/FCF Ratio8.90
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)30.44
Revenue Forecast (FY)zł12.24B
ING Bank Slaski S.A. Business Overview & Revenue Model
Company Description
ING Bank Slaski S.A., together with its subsidiaries, provides various banking products and services in Poland. The company operates in two segments, Retail Banking and Corporate Banking. The Retail Banking segment offers various credit products, ...
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 it...
ING Bank Slaski S.A. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
70
Positive
Cash Flow
90
Very Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 17.27B | 15.64B | 14.87B | 10.21B | 7.34B |
| Gross Profit | 11.55B | 11.25B | 10.63B | 7.71B | 6.88B |
| EBITDA | 5.88B | 5.88B | 6.05B | 2.68B | 3.30B |
| Net Income | 4.63B | 4.37B | 4.44B | 1.71B | 2.31B |
Balance Sheet | |||||
| Total Assets | 282.02B | 260.36B | 245.36B | 217.27B | 201.65B |
| Cash, Cash Equivalents and Short-Term Investments | 7.31B | 9.12B | 7.71B | 3.43B | 4.03B |
| Total Debt | 19.11B | 16.27B | 14.95B | 2.05B | 6.79B |
| Total Liabilities | 260.68B | 243.19B | 228.63B | 207.92B | 188.12B |
| Stockholders Equity | 21.34B | 17.17B | 16.74B | 9.34B | 13.53B |
Cash Flow | |||||
| Free Cash Flow | 5.00B | 3.28B | -2.69B | 2.69B | 314.10M |
| Operating Cash Flow | 5.09B | 3.40B | -2.37B | 2.96B | 437.00M |
| Investing Cash Flow | -19.84B | -14.45B | -795.00M | -976.20M | 1.25B |
| Financing Cash Flow | 13.70B | 12.36B | 7.16B | -306.80M | -1.54B |
ING Bank Slaski S.A. Technical Analysis
Positive
357.00
Price Trends
400.30
Positive
372.38
Positive
345.28
Positive
Market Momentum
4.03
Negative
62.69
Neutral
92.53
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 357 is below the 20-day moving average (MA) of 396.32, below the 50-day MA of 400.30, and above the 200-day MA of 345.28, indicating a bullish trend. The MACD of 4.03 indicates Negative momentum. The RSI at 62.69 is Neutral, neither overbought nor oversold. The STOCH value of 92.53 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
UnderperformOutperform
Sector (68)
PL:ING
ING Bank Slaski S.A.
418.50
150.23
56.00%
PL:PKO
PKO Bank Polski S.A.
90.00
29.46
48.67%
PL:PEO
BANK POLSKA KASA OPIEKI SA
224.80
89.15
65.72%
PL:BNP
BNP Paribas Bank Polska Spolka Akcyjna
153.00
58.22
61.43%
PL:SPL
Santander Bank Polska SA
601.00
153.90
34.42%
PL:MIL
Bank Millennium SA
16.85
4.61
37.66%
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.