ING Group (INGA) Stock Price, Fundamentals & Analysis

ING Group (INGA) is a Dutch banking group listed on Euronext Amsterdam, headquartered in Amsterdam and employing around 60,000 people. Founded in 1762, it provides banking products and services in the Netherlands, Belgium, Germany, the rest of Europe and internationally, serving individuals, corporate clients and financial institutions.

What INGA does

ING operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. Its activities span everyday banking — current and savings accounts, time deposits — as well as lending products such as residential mortgages, consumer loans and SME loans. On the wholesale side, it offers working capital solutions, debt and equity market solutions, payments, cash management, trade and corporate finance, and treasury services, alongside savings, investment, insurance and digital banking. It sits in the Financial Services sector, in the diversified banks industry, alongside Dutch peers such as ABN AMRO (ABN) and NN Group (NN).

Key numbers explained

• Market capitalisation of 90.54B EUR — the total market value of all shares; a common way to gauge a company's size.
• P/E ratio of 13.8 (trailing) and 11 (forward) — the price divided by earnings per share; lower values mean investors pay less per euro of current or expected earnings. With EPS of 2.31 EUR, the 31.8 EUR share price trades at roughly 14 times trailing profit.
• Dividend yield of 3.57% — the annual dividend as a percentage of the share price. ING pays out 47% of earnings as dividends, with the ex-dividend date on Aug 3, 2026.
• 52-week range of 20.23 – 32.4 EUR — the lowest and highest prices over the past year; the current price sits near the top of that range after a 42.2% rise over 52 weeks.
• Profit margin of 34.5% and operating margin of 49.1% — the share of revenue that turns into net profit and operating profit respectively, both high figures typical of an efficient bank.
• Return on equity of 17.1% — how much profit the bank generates relative to shareholders' equity.
• Price-to-book of 1.81 — the share price compared with the company's book value, a metric often used to value banks.
• Beta of 0.9 — historically slightly less volatile than the overall market.

What to watch

As a bank, INGA's results are sensitive to interest rate levels, credit quality across its retail and wholesale loan books, and banking regulation in its home markets. Revenue growth of 11.1% year over year and the upcoming earnings date on Oct 29, 2026 are natural checkpoints for how these dynamics evolve. Its performance also moves with the broader Dutch market — it is one of the larger constituents of the AEX index — and with sentiment toward European financials generally, a group that also includes insurers like Aegon (AGN) and ASR Nederland (ASRNL).