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ING 
ING Group NV ADR (ING)
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Upturn Advisory Summary
12/05/2025: ING (3-star) is a STRONG-BUY. BUY since 19 days. Simulated Profits (-0.15%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $26.3
1 Year Target Price $26.3
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.02% | Avg. Invested days 47 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 76.28B USD | Price to earnings Ratio 11.28 | 1Y Target Price 26.3 |
Price to earnings Ratio 11.28 | 1Y Target Price 26.3 | ||
Volume (30-day avg) 2 | Beta 1.17 | 52 Weeks Range 14.08 - 26.64 | Updated Date 12/6/2025 |
52 Weeks Range 14.08 - 26.64 | Updated Date 12/6/2025 | ||
Dividends yield (FY) 4.02% | Basic EPS (TTM) 2.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.02% | Operating Margin (TTM) 47.29% |
Management Effectiveness
Return on Assets (TTM) 0.49% | Return on Equity (TTM) 10.28% |
Valuation
Trailing PE 11.28 | Forward PE 9.66 | Enterprise Value 173503447040 | Price to Sales(TTM) 3.81 |
Enterprise Value 173503447040 | Price to Sales(TTM) 3.81 | ||
Enterprise Value to Revenue 10.46 | Enterprise Value to EBITDA - | Shares Outstanding 2902470768 | Shares Floating 2935547692 |
Shares Outstanding 2902470768 | Shares Floating 2935547692 | ||
Percent Insiders - | Percent Institutions 6.04 |
Upturn AI SWOT
ING Group NV ADR
Company Overview
History and Background
ING Group NV ADR's roots trace back to the merger of Nationale-Nederlanden and NMB Postbank Group in 1991. Nationale-Nederlanden was a leading Dutch insurance company, while NMB Postbank Group was a major banking institution. The merger created a financial services powerhouse.
Core Business Areas
- Retail Banking: Offers a range of banking services to individuals and small businesses, including current accounts, savings accounts, mortgages, and personal loans.
- Wholesale Banking: Provides financial solutions to large corporations, institutions, and financial intermediaries, including lending, transaction services, and capital markets products.
- Investment Management: Manages assets for institutional and retail clients, offering a variety of investment strategies and products.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive board members. The organizational structure is hierarchical, with various business units reporting to the executive board.
Top Products and Market Share
Key Offerings
- Current Accounts: ING offers current accounts to retail customers. While specific global market share is difficult to pinpoint, ING is a major player in the Netherlands and Belgium. Competitors include ABN Amro, Rabobank, and BNP Paribas.
- Mortgages: ING provides mortgage products to individuals. INGu2019s mortgage business is substantial in select European markets. Competitors include local banks in each market it operates.
- Wholesale Banking Services: ING offers lending, transaction services and capital markets products to institutions, including corporate clients. Competitors include JP Morgan Chase (JPM), Goldman Sachs (GS), Morgan Stanley (MS), and Citigroup (C).
Market Dynamics
Industry Overview
The financial services industry is undergoing digital transformation, with increasing competition from fintech companies. Regulatory changes and macroeconomic conditions also play a significant role.
Positioning
ING is positioned as a digital-first bank with a strong focus on customer experience. It aims to be a leader in sustainable finance.
Total Addressable Market (TAM)
The TAM for banking and financial services is in the trillions of dollars globally. ING aims to increase market share by expanding in existing markets and focusing on digitalization.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive European network
- Digital banking capabilities
- Solid capital base
Weaknesses
- Exposure to European economic conditions
- Complexity of regulatory environment
- Reliance on interest income
- Past legal issues
Opportunities
- Expansion into new markets
- Growth in sustainable finance
- Digital innovation and partnerships
- Increased cross-selling
Threats
- Increased competition from fintech companies
- Low interest rate environment
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- JPM
- BAC
- BNPQY
Competitive Landscape
ING competes with global and regional banks. It has a strong position in select European markets, but faces increasing competition from digital-first players.
Major Acquisitions
Payvision
- Year: 2018
- Acquisition Price (USD millions): 360
- Strategic Rationale: Expanded ING's capabilities in online payments and merchant services.
Growth Trajectory and Initiatives
Historical Growth: ING's growth has been driven by its core banking businesses and digital initiatives.
Future Projections: Analysts project continued growth for ING, driven by digital transformation and expansion in key markets.
Recent Initiatives: Recent initiatives include investments in fintech companies, expansion of digital banking services, and a focus on sustainable finance.
Summary
ING Group is a solid financial institution with a strong European presence and growing digital capabilities. Its exposure to European economies and increasing competition from fintechs are potential challenges. Continued investment in digital transformation and strategic expansion will be crucial for future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company reports
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market conditions can change, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ING Group NV ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 1996-11-18 | CEO and Chairman of the Executive Board & Management Board Banking Mr. Steven J. A. van Rijswijk | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 60000 | Website https://www.ing.com |
Full time employees 60000 | Website https://www.ing.com | ||
ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. It accepts current and savings accounts, as well as time deposits. The company also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, it provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. The company serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.
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