ING
Financial ServicesING Groep N.V. · Banks - Diversified · $88B
What is ING Groep N.V.?
ING Groep N.V. is a large-cap European bank headquartered in Amsterdam, serving retail and corporate clients across Europe, the Americas, Asia, and Australia.
ING generates revenue through deposit-taking, consumer and business lending, and wholesale banking services. Its segments span retail banking in the Netherlands, Belgium, Germany, and other markets, alongside a wholesale division serving corporates and financial institutions with debt capital markets, trade finance, and treasury solutions.
ING traces its institutional roots to 1762 and operates today as a modern banking group headquartered in Amsterdam, the Netherlands.
- Retail deposits and savings accounts
- Residential mortgage and consumer loans
- Wholesale and corporate banking solutions
- Digital banking and payments services
Is ING a Good Stock to Buy?
UQS Score rates ING as Below Average overall.
Valuation stands out as the clearest positive signal, rating Good — suggesting the market may not be pricing in a premium for this bank. Quality and Growth both register as Neutral, indicating neither a meaningful advantage nor a significant drag.
Moat and Risk both score Weak, reflecting limited competitive differentiation and elevated exposure to macroeconomic and credit-cycle pressures common in global banking.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does ING pay dividends?
Yes — ING Groep N.V. pays a dividend.
ING pays a regular dividend, consistent with the capital-return traditions of large European banks. Income-oriented investors often view ING's dividend as a core part of its total-return profile. Yield levels vary with share price and payout decisions — check ING's investor relations page for current figures.
When does ING report earnings?
ING Groep reports earnings on a quarterly cadence, standard for internationally listed banking groups.
Revenue trends reflect the mixed signals visible in ING's Neutral Quality and Growth pillar ratings — neither accelerating strongly nor declining materially. Wholesale banking and digital retail channels remain key contributors to the overall revenue mix.
For the most recent quarter's results and guidance, visit ING Groep's official investor relations page.
ING Price History
+194.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in ING Groep N.V.?
Based on ING Groep N.V.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does ING Groep do?
ING Groep is a global bank offering retail deposits, mortgage lending, consumer loans, and wholesale banking services. It operates across Europe, the Americas, Asia, and Australia, serving individual customers, small businesses, mid-corporates, and large financial institutions through both physical and digital channels.
Does ING pay dividends?
Yes, ING pays a regular dividend. European banks of ING's scale commonly return capital to shareholders through dividends. The specific yield depends on the current share price and declared payout. Refer to ING's investor relations page for the latest dividend information.
When does ING report earnings?
ING Groep reports on a quarterly basis, as is standard for large internationally listed banks. Exact dates are published in advance on ING's investor relations page — check there for the current reporting calendar.
Is ING a good stock to buy?
UQS Score rates ING as Below Average overall. Its Valuation pillar is Good, which may appeal to value-oriented investors, but Moat and Risk both rate Weak. Whether that profile suits your portfolio depends on your own risk tolerance and investment goals.
Is ING overvalued?
Based on the UQS Valuation pillar, ING rates as Good — suggesting the stock does not appear expensive relative to its fundamentals. That said, valuation alone does not determine investment suitability; the weaker Moat and Risk ratings are also relevant context.
What is ING's market cap bracket?
ING Groep is classified as a large-cap stock, reflecting its scale as one of Europe's major banking groups with operations spanning multiple continents.
Who founded ING Groep?
ING Groep's institutional lineage dates to 1762, though the modern ING Group was formed in 1991 through the merger of Nationale-Nederlanden and NMB Postbank Group. Full founding history is publicly available on ING's corporate website.
Is ING a long-term quality investment?
As a long-term quality indicator, ING's Below Average UQS Score — driven by Weak Moat and Risk ratings — suggests meaningful structural challenges. The Good Valuation rating may offer some cushion, but long-term quality investors typically seek stronger moat and risk profiles. Pro members can view the complete analysis.
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Pro Analysis
ING — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 39.7 | 45.2 | 32.0 | 48.6 | 0.0 | 70.9 | 0.0 |
| May 15, 2026 | 39.7 | 45.2 | 32.0 | 48.6 | 0.0 | 71.2 | -5.0 |
| May 10, 2026 | 44.7 | 49.6 | 32.0 | 48.5 | 0.0 | 96.9 | 0.0 |
| May 8, 2026 | 44.7 | 49.6 | 32.0 | 48.5 | 0.0 | 97.5 | +4.6 |
| May 7, 2026 | 40.1 | 44.6 | 32.0 | 48.2 | 0.0 | 75.3 | -0.2 |
| May 4, 2026 | 40.3 | 44.6 | 32.0 | 48.2 | 0.0 | 76.9 | +0.2 |
| May 3, 2026 | 40.1 | 44.6 | 32.0 | 47.5 | 0.0 | 76.5 | -0.1 |
| May 2, 2026 | 40.2 | 44.6 | 32.0 | 47.5 | 0.0 | 77.3 | -0.1 |
| May 1, 2026 | 40.3 | 44.6 | 32.0 | 47.9 | 0.0 | 77.3 | +0.1 |
| Apr 26, 2026 | 40.2 | 44.6 | 32.0 | 47.5 | 0.0 | 77.3 | +0.1 |
ING — Pillar Breakdown
Quality
— 45.2/100 (25%)ING Groep N.V. has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 48.6/100 (20%)ING Groep N.V. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 0.0/100 (15%)ING Groep N.V. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 70.8/100 (15%)ING Groep N.V. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 32/100 (25%)ING Groep N.V. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ING.
Score Composition
Financial Data
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How is the ING UQS Score Calculated?
The UQS (Unified Quality Score) for ING Groep N.V. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses ING Groep N.V.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether ING Groep N.V. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.