ING logo

ING GROEP N.V.-SPONSORED ADR

INGNYSE
πŸ† #142 by market capUS Equity
$35.89β–Ό $0.48 (βˆ’1.35%)
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24hβ–Ό 1.4%
7dβ–Ό 1.5%
14dβ–Ό 2.4%
30dβ–² 1.8%
ytdβ–² 28.2%
1yβ–² 37.9%
🏦Market Cap
$102.52B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
-65.3%
Declining
πŸ“ŠGross Margin
94.5%
High
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
3.8x
Fair
Otter Score
84
Good

Trading Snapshot

Day Range
$35.40 – $36.19
52-Week Range
$23.64 – $37.52
Volume
$4.53B
Avg Volume
$4.85B
Shares Outstanding
2.86B
Next Earnings
Nov 23, 2026

Fundamentals Snapshot

Annual Revenue
$23.04B
Last Q Revenue
$23.07B
P/E Ratio
13.8
P/S Ratio
3.8x
EPS (TTM)
$2.34
Dividend Yield
4.11%
Dilution (1yr)
βˆ’6.8%

Why Investors Own ING

  • βœ“High-growth profile β€” revenue up +16.8% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 54% gross margin and 27% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ING logo

ING GROEP N.V.-SPONSORED ADR

ING
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$23.0Bβ–Ό βˆ’65.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
94.3%β–² +192.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$9.1Bβ–Ό βˆ’1.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$0β–Ό βˆ’100.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
2.92Bβ–Ό βˆ’6.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$116.4Bβ–Ό βˆ’$15.1B YoY
StockOtter Β· stockotter.space

About ING GROEP N.V.-SPONSORED ADR

ING Groep N.V. functions as a prominent global financial services institution, offering a comprehensive suite of banking products and solutions across a vast international footprint. Its operations extend throughout the Netherlands, Belgium, Germany, Poland, other European countries, North America, Latin America, Asia, and Australia. The company organizes its business into six distinct segments: Retail Banking focused on the Netherlands, Belgium, Germany, and other regions, in addition to its Wholesale Banking and Corporate Line Banking divisions. ING facilitates various client deposits, including checking and savings accounts, and extends credit options to both businesses and individual consumers. These lending products encompass residential mortgage loans, term loans, revolving credit facilities, and personal loans. Furthermore, its extensive offerings include debt and equity capital market services, working capital solutions, export finance, and daily banking conveniences. The firm also provides expertise in treasury and risk management, corporate finance advisory, specialized lending, and general financing. Customers can also utilize payment and cash management systems, international trade services, and a full array of digital banking experiences, alongside its savings, investment, insurance, and mortgage product lines. ING serves a diverse clientele, including individual customers, a broad spectrum of corporate entitiesβ€”from small and medium-sized enterprises to mid-market corporationsβ€”and other financial institutions. The organization, founded in 1762, is headquartered in Amsterdam, the Netherlands.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
84/100

Analyst Price Target

β“˜
Average Target
$39.13
β–² +9.0% Upside
High Target$44.10
Low Target$35.48
Based on 26 analysts

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