ING Groep NV ADRING
Price$34.25Intrinsic value$20.3841% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $20.38median of 2 methodsbased on filings through 31 Dec 2025
Market Price $34.25Price as of 1 Oct 2026
Margin of Safety -40.5%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 18.1% (near-term consensus, capped) · years 2–5: 14.4%/yr (balance of the path).15.1% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 614.5%Yr 714.7%Yr 814.8%Yr 915.0%Yr 1015.1%
14.4% → 15.1%
Years 11–20: glide to long-run rate
Per-year rates
Yr 1113.9%Yr 1212.7%Yr 1311.5%Yr 1410.3%Yr 159.1%Yr 167.9%Yr 176.6%Yr 185.4%Yr 194.2%Yr 203.0%
15.1% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)18.6%
Discount rate (cost of equity) 9.0%
Volatility vs market (adjusted beta)0.89

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetING Groep NV ADRINGAFinancials
Valuation
P/E—
P/S4.1×
P/B2.0×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin100.0%
Net margin32.4%
FCF margin-26.2%
Returns
ROE15.0%
ROA0.8%
ROIC—
Growth
Revenue growth (YoY)38.1%
5-yr fwd EPS growth15.1%
Financial strength
Debt / Equity—
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield2.4%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.