ING GROEP NV (ING)

37.18USD +0.24% (+0.09)

Over 1M: +5.6%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

35 36 37
7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Annual

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
2021 — Free Cash Flow: -15.1B 2022 — Free Cash Flow: -11.3B 2023 — Free Cash Flow: -11.6B 2024 — Free Cash Flow: -22.9B 2025 — Free Cash Flow: -6.7B -20B -15B -10B -5B 0
2021 2022 2023 2024 2025
Cost of Revenue Free Cash Flow

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

8.6
Oper. margin 50.0%
ROIC 2059.5%
OE margin -13.2%
Accruals 1.4%
ROE 15.9%
ROA 0.81%
Asset turnover 0.048×
FCF margin -13.1%
OCF / EBIT -0.25×
OCF margin -12.4%
Gross margin —
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

5.7
EV/EBIT 1.6×
EV/OE -5.9×
EV/Sales 0.78×
P/C 1.7×
P/E 10.8×
Div. yield 4.2%
P/B 1.7×
FCF yield -7.2%
EV/GP —
Fwd P/E —
PEG —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

0.5
RPO / sales —
RPO growth —
Segment HHI —

0 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

5.5
ND/EBITDA 1.3
Cash / Debt 51.6×
Debt / Eq 0.019×
Debt payback 0.0 yr
Cash runway 7.9 yr
Payout 45.2%
Current ratio —
F-score —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.0
Sales/sh Y/Y -6.3%
EPS Y/Y +66.1%
EPS CAGR 4Y +16.1%
Div. growth —
EBIT CAGR —
EBIT Y/Y —
EPS next Y —
Sales CAGR 4Y —
Sales Q/Q —

1 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.