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ING Bank Slaski S.A.
(ING)
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Rating:74Outperform
Price Target:
zł346.00
▼(-19.91% Downside)
Action:N/A
Date:09/16/25
The overall score is driven by excellent financial resilience and income, highlighted by robust margins, high return on equity, and an outstanding dividend yield at an undemanding valuation. The absence of technical momentum data and modest recent revenue growth temper the score, but the core fundamentals remain very strong for a regional bank.
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
zł57.63B
Dividend Yield6.03%
Average Volume (3M)5.49K
Price to Earnings (P/E)12.8
Beta (1Y)1.11
Revenue Growth4.00%
EPS Growth-1.34%
CountryPL
Employees7,692
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)34.57
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)31.69
Revenue Forecast (FY)zł11.93B
ING Bank Slaski S.A. Business Overview & Revenue Model
Company Description
ING Bank Slaski S.A., along with its affiliated companies, offers a broad spectrum of banking solutions and services across Poland. Its operations are structured into two distinct divisions: Retail Banking and Corporate Banking. The Retail Banking...
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
82
Very Positive
Balance Sheet
77
Positive
Cash Flow
79
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.47B | 17.27B | 15.64B | 14.87B | 10.21B | 7.34B |
| Gross Profit | 12.22B | 11.55B | 11.25B | 10.63B | 7.71B | 6.88B |
| EBITDA | 6.61B | 5.88B | 5.88B | 6.05B | 2.68B | 3.30B |
| Net Income | 4.50B | 4.63B | 4.37B | 4.44B | 1.71B | 2.31B |
Balance Sheet | ||||||
| Total Assets | 313.91B | 282.02B | 260.36B | 245.36B | 217.27B | 201.65B |
| Cash, Cash Equivalents and Short-Term Investments | 11.42B | 7.31B | 9.12B | 7.71B | 3.43B | 4.03B |
| Total Debt | 28.41B | 19.11B | 16.27B | 14.95B | 2.05B | 6.79B |
| Total Liabilities | 294.23B | 260.68B | 243.19B | 228.63B | 207.92B | 188.12B |
| Stockholders Equity | 19.68B | 21.34B | 17.17B | 16.74B | 9.34B | 13.53B |
Cash Flow | ||||||
| Free Cash Flow | 15.05B | 5.00B | 3.28B | -2.69B | 2.69B | 314.10M |
| Operating Cash Flow | 15.22B | 5.09B | 3.40B | -2.37B | 2.96B | 437.00M |
| Investing Cash Flow | -38.64B | -19.84B | -14.45B | -795.00M | -976.20M | 1.25B |
| Financing Cash Flow | 26.01B | 13.70B | 12.36B | 7.16B | -306.80M | -1.54B |
ING Bank Slaski S.A. Technical Analysis
Positive
432.00
Price Trends
449.45
Positive
427.02
Positive
385.23
Positive
Market Momentum
-0.45
Negative
56.98
Neutral
83.62
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 432 is below the 20-day moving average (MA) of 449.41, below the 50-day MA of 449.45, and above the 200-day MA of 385.23, indicating a bullish trend. The MACD of -0.45 indicates Negative momentum. The RSI at 56.98 is Neutral, neither overbought nor oversold. The STOCH value of 83.62 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.
456.80
130.31
39.91%
PL:PKO
PKO Bank Polski S.A.
109.66
32.61
42.32%
PL:PEO
BANK POLSKA KASA OPIEKI SA
256.90
57.11
28.59%
PL:BNP
BNP Paribas Bank Polska Spolka Akcyjna
153.60
53.43
53.34%
PL:MIL
Bank Millennium SA
20.80
4.98
31.48%
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.