Stocktoria
ING Groep N.V. INGA.AS
ING Groep N.V. statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (€28.81); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
ING Groep N.V. trades at about 14.5× earnings — above its 10-year norm (10-year range 6.5×–13.1×, median 11.7×).
Shaded band = 10-year range (6.5×–13.1×); dot = today's 14.5×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net margin | 27.6% | 28.3% | 32.1% | 19.4% |
| FCF margin | -29.4% | -101.4% | -51.1% | -60.0% |
| Return on assets | 0.6% | 0.6% | 0.7% | 0.4% |
| Return on equity | 12.7% | 12.7% | 14.2% | 7.4% |
| Debt / equity | 3.59× | 3.38× | 2.90× | 2.37× |
Computed from company filings · NL · as of 2025-12-31. Figures in EUR. Facts plus Stocktoria's own computed scores — not investment advice.