Last results 30 Jul 2026
ING Group NV ADR
I · AI Analysis
The brief
ING provides everyday banking products like checking accounts, savings accounts, mortgages, and business loans to individual customers and small businesses across Europe [Yahoo Finance]. The company also operates a wholesale banking division that serves large corporations and financial institutions with specialized services including trade finance, corporate lending, and treasury management [Yahoo Finance].
ING Groep N.V. is a 264-year-old Dutch multinational bank offering retail and wholesale banking services across the Netherlands, Belgium, Germany, and internationally [Yahoo Finance]. The company is actively returning capital to shareholders through a €1 billion share buyback programme and pays a 4.33% dividend yield [Yahoo Finance]. However, its financial health scores are concerning—with a health score of just 2.1/10, negative Altman Z-score of -0.7, and a low Piotroski score of 3/9—driven by a 65.3% revenue decline year-over-year and negative free cash flow of $6.7 billion [Yahoo Finance] [Sentinellis calculation].
ING's financial metrics show severe stress, with a health score of 2.1/10 signaling 'Significant risks' [Sentinellis calculation].
Capital & liquidity
As ING GROEP N.V. disclosed it · March 31, 2026
- CET1 ratio
- its own requirement 15.30%12.99%
- Tier 1 ratio
- 15.64%
- Total capital ratio
- 18.30%
- Liquidity coverage ratio (LCR)
- regulatory minimum 100%139.00%
- Net stable funding ratio (NSFR)
- regulatory minimum 100%128.00%
Source: EBA Pillar 3 Data Hub
Sentinellis health
2.1/10
Significant risks
Market capitalisation
$83.9B
Revenue (TTM)
EUR 23.0B
Explainers
How we read these numbers
Plain-English guides · no account needed
ROIC vs WACC Explained: How to Tell If a Company Actually Creates Value
What ROIC and WACC are, how to compute both, and why the spread between them is the single most important number in fundamental investing.
ReadPiotroski F-Score Explained: A 9-Point Financial Health Check (with a Live Apple Example)
What the Piotroski F-Score is, how to calculate all 9 criteria, and how to read the result. Plain English, with a real Apple walkthrough.
ReadAltman Z-Score Explained: Predicting Bankruptcy in 5 Minutes (with Real Examples)
What the Altman Z-Score is, the exact formula, how to read the result, and which version to use for manufacturers vs tech vs private companies.
ReadII · Recent news
What moved
6 stories · ranked by relevance
- Macro2026-05-19
US 30-Year Yield Hits Highest Since 2007 on Inflation Angst
Bloomberg
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- Macro2026-05-19
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Yahoo Finance
- Macro2026-05-18
2 Financials Stocks for Long-Term Investors and 1 Facing Challenges
Yahoo Finance
- Macro2026-05-19
Progress on share buyback programme
Yahoo Finance
- Macro2026-05-15
European Dividend Stocks To Consider In May 2026
Yahoo Finance
Premium · Free with any account
A strengthening US dollar—driven by potential Federal Reserve rate hikes—will reduce the value of ING's overseas earnings when converted to euros, pressuring reported profits [Bloomberg].
Risks
4
Opportunities
4
Red flags
4
Leadership
10
11 more findings in the full report — free with any account.
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