잉그룹(ING) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

Q: What kind of company is 잉그룹(ING)?

잉그룹(ING) belongs to the Financial sector and operates in the Banks - Diversified industry.

Q: What is the market cap of ING?

The market cap of ING is approximately $92.9B, ranking 175 within its sector.

Q: Does ING pay dividends?

ING has a dividend yield of approximately 4.41%, with an annual dividend of $1.45.

Q: What is the P/E ratio of ING?

ING has a P/E ratio of approximately 13.0x, which can be used to assess its valuation relative to the Financial sector average.

Q: What is the 52-week high and low for ING?

ING has recorded a 52-week high of $33.46 and a low of $22.37.

ING

ING Groep NV ADR

7월 27일 9:33 AM ET (한국 7/27 22:33)

$32.83

+0.39 ▲ +1.20%

잉그룹(ING) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$92.9B

미드캡

P/E

13.0

저평가 구간

배당수익률

4.41%

52주 위치

94%

저점 +47% · 고점 -2%

애널리스트

매수

C+

Fundamental health

vs. Banks - Diversified

수익성

Top 44%

성장

Top 37%

밸류에이션

Top 58%

재무 안정

Top 50%

Index ⓘ	-	P/E ⓘ	12.98	EPS (ttm) ⓘ	2.53	Insider Own ⓘ	0.01%	Shs Outstand ⓘ	2.88B	Perf Week ⓘ	1.55%
Market Cap ⓘ	92.90B	Forward P/E ⓘ	9.99	EPS next Y ⓘ	17.19%	Insider Trans ⓘ	-	Shs Float ⓘ	2.83B	Perf Month ⓘ	5.73%
Enterprise Value ⓘ	-	PEG ⓘ	0.71	EPS next Q ⓘ	0.74	Inst Own ⓘ	5.99%	Short Float ⓘ	0.04%	Perf Quarter ⓘ	18.43%
Income ⓘ	7.45B	P/S ⓘ	3.45	EPS this Y ⓘ	10.91%	Inst Trans ⓘ	-44.49%	Short Ratio ⓘ	0.31	Perf Half Y ⓘ	14.31%
Sales ⓘ	26.92B	P/B ⓘ	1.61	EPS next 5Y ⓘ	13.97%	ROA ⓘ	0.6%	Short Interest ⓘ	1.00M	Perf YTD ⓘ	18.09%
Book/sh ⓘ	20.38	P/C ⓘ	-	EPS past 3/5Y ⓘ	30.82% 26.87%	ROE ⓘ	13.02%	52W High ⓘ	-1.87% ($33.46)	Perf Year ⓘ	39.58%
Cash/sh ⓘ	-	P/FCF ⓘ	-	Sales past 3/5Y ⓘ	25.56% 16.7%	ROIC ⓘ	2.43%	52W Low ⓘ	46.73% ($22.37)	Perf 3Y ⓘ	127.5%
Dividend Est. ⓘ	$1.45 (4.41%)	EV/EBITDA ⓘ	-	EPS Y/Y TTM ⓘ	19.15%	Gross Margin ⓘ	-	Volatility(W/M) ⓘ	1.13% 1.3%	Perf 5Y ⓘ	178.03%
Dividend TTM ⓘ	1.26	EV/Sales ⓘ	-	Sales Y/Y TTM ⓘ	10.57%	Oper. Margin ⓘ	39.96%	ATR (14) ⓘ	0.65	Perf 10Y ⓘ	209.08%
Dividend Ex-Date ⓘ	2026/4/17	Quick Ratio ⓘ	-	EPS Q/Q ⓘ	26.33%	Profit Margin ⓘ	27.68%	RSI (14) ⓘ	56.69	Recom ⓘ	2.09
Dividend Gr. 3/5Y ⓘ	28.42% 55.18%	Current Ratio ⓘ	0.2	Sales Q/Q ⓘ	14.87%	SMA20 ⓘ	1.58% ($32.32)	Beta ⓘ	0.87	Target Price ⓘ	$34.73
Payout ⓘ	45.04%	Debt/Eq ⓘ	4.23	Earnings ⓘ	2026/4/30	SMA50 ⓘ	5.25% ($31.19)	Rel Volume ⓘ	0.52	Prev Close ⓘ	$32.44
Employees ⓘ	62770	LT Debt/Eq ⓘ	4.23	EPS/Sales Surpr. ⓘ	13.27% -0.38%	SMA200 ⓘ	16.46% ($28.19)	Avg Volume(3M) ⓘ	3.21M	Price ⓘ	$32.83
IPO ⓘ	1994/5/18	Option/Short ⓘ	Yes/Yes			Trades ⓘ	8563	Volume ⓘ	1,668,081	Change ⓘ	1.2%

Quarterly earnings trend Quarterly earnings data is not yet available — foreign-listed companies (ADRs) only file annual reports with the U.S., and recently listed companies may not have filed their first quarterly report.

📊 ING Groep NV ADR (ING) Investment Analysis

What kind of company is ING Groep NV ADR?

잉그룹(ING) 성장주

Financial · Banks - Diversified

Top 175 by Market Cap — Large-Cap

A major European universal banking group headquartered in the Netherlands. Launched in 1991 through a merger of Dutch banking and insurance businesses, it has grown into a global universal bank operating retail and corporate finance businesses across Europe, North America, and Asia. A large-cap bank stock known for its digital banking model and stable dividends.

Learn more about ING Groep NV ADR →

Market Cap

$92.9B

Approx. KRW 127 trillion

⚖️ 32% of Samsung Electronics

Market Cap Rank175

Employees62,770people

IPO1994/05/18

Current Price$32.83 ≈ 44,977원

NYSE · Netherlands

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 4월 30일 (목) · 장 시작 전 EPS +13.3% 매출 -0.4%

🎯 Ex-div 2026년 4월 17일 (금)

🔔 Earnings release 2026년 1월 29일 (목) · 장 시작 전 EPS +9.6% 매출 +3.7%

Is it profitable?

Both profitability & finances need caution

Review management risk carefully before investing

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

40.0%

✓ 우수

My positionTop 5%

Low range Average High range

Banks - Diversified Median 19.3% · Top tier

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

27.7%

✓ 우수

My positionTop 5%

Low range Average High range

Banks - Diversified Median 15.7% · Top tier

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

ROE

Annual return earned on shareholders' equity (15%+ is strong)

13.0%

✓ 양호

My positionMid-range

Low range Average High range

Financial 대형주 Median 12.6% · Top 48%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

0.6%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 대형주 Median 1.5% · Bottom 18%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

2.4%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 대형주 Median 7.1% · Bottom 12%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

4.23

✓ Very high debt

My positionBottom 25%

Low range Average High range

Banks - Diversified Median 2.77

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.20

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook

Price targets, growth, and valuation are favorable

애널리스트 목표가

$34.73

현재가 대비 +5.8%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

9.99배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

PEG (성장 반영 밸류)

0.71

저평가

💡 PEG < 1 — 성장 대비 저렴

내년 EPS 예상 성장률

+17.2%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

5년 EPS 예상 연평균

+14.0%

💡 장기 성장 전망. 15% 이상이면 고성장 기업

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability

Beat estimates in 2 of the last 2 quarters

예상 상회

예상 부합

예상 하회

100%

상회 비율

+12.2%

평균 서프라이즈

2026.04.30

상회

실적 $0.63 · 예상 $0.60 +6.0%

2026.01.29

상회

실적 $0.57 · 예상 $0.48 +18.4%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth

Mid-range within the industry

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+10.9%

평균

My positionMid-range

Low range Average High range

성장주 대형주 Median 15.4% · Bottom 28%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+17.2%

양호

My positionMid-range

Low range Average High range

성장주 대형주 Median 13.1% · Top 33%

5-Year EPS CAGR Outlook

Projected average annual EPS growth over the next 5 years

+14.0%

평균

My positionMid-range

Low range Average High range

성장주 대형주 Median 14.9% · Bottom 44%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+30.8%

우수

My positionTop 25%

Low range Average High range

성장주 대형주 Median 9.2% · Top 15%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

+26.9%

우수

My positionTop 25%

Low range Average High range

성장주 대형주 Median 13.8% · Top 21%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+16.7%

우수

My positionTop 25%

Low range Average High range

성장주 대형주 Median 10.3% · Top 23%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+14.9%

양호

My positionMid-range

Low range Average High range

성장주 대형주 Median 11.2% · Top 39%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Outperformed the market by 110%p over 5 years

ING +178.0% · S&P 500 +68.0%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

+110.1%p

well ahead of the market

1-year basis

vs S&P 500

+23.1%p

ahead of the market

Rank among peers

5-year return Lower-Mid (lower 45%) Based on 11 peers

1-year return Lowest among peers Based on 11 peers

Current position within 52-week range

Low (-46.7%p) High (-1.9%p)

Current price is 46.7% above the 52-week low and 1.9% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-19.9%

Annualized volatility

31.5%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-24

Uptrend zone

Current price $32.83 above the midline ($32.32). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡

Current diagnosis · 2026-07-24

Neutral zone — weak trend

MACD 0.522 · Signal 0.562 · Hist -0.041. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-24

Bullish zone

RSI 56.7 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 65.0.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Assets, Pricey on Vs. Sales

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Cheap

🧾 Vs. Sales Pricey

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

12.98x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Diversified median 15.88x · Around the industry average

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

9.99x

✓ Very cheap

My positionTop 25%

Low range Average High range

Banks - Diversified median 12.37x · Top 15% — relatively cheap within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.61x

✓ Cheap

My positionMid-range

Low range Average High range

Banks - Diversified median 1.86x · Around the industry average

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

3.45x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Banks - Diversified median 2.44x · Bottom 1% — expensive within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

Analyst target price (reference)

$34.73 vs. current price +5.8%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Banks - Diversified

Who owns it?

Ownership flow shows some pressure

Institutional net selling -44.5% · Short interest light 0.0%

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

0.0%

Insiders little change

🏦 Institutions (funds & investors)

-44.5%

Institutions large net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 6.0%

Retail-led

Financial 대형주 Median 77.0%

🧑‍💼 Insiders 0.0%

Low, common among large-caps

Financial 대형주 Median 0.8%

👤 Retail investors (estimated) 94.0%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

0.0%

Low — limited short-side pressure

Financial 대형주 Median 2.6%

Past 89 days Little change

Short interest days to cover

0.3 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 2.88B주

Float (tradable shares) 2.83B주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 89 days.

ETFs holding ING

ETFs with the highest weightings · 10 total shown

EWN

iShares MSCI Netherlands ETF

8.23%

$575M

IPKW

Invesco International BuyBack Achievers TM ETF

4.77%

$533M

EXUS

Nomura Focused International Core ETF

3.64%

$96M

PQDI

Principal Spectrum Preferred and Income ETF

3.53%

$69M

GSIB

Themes Global Systemically Important Banks ETF

3.52%

$33M

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당주 — 연 4.41% 배당

5년 배당 성장률 55.18%

Dividend Yield

4.41%

Industry average 2.62%

Dividend Per Share

$1.45

Annualized

Payout Ratio

45%

Share of net income paid as dividends

5-Year Growth

55.2%

Annualized dividend growth

📅 지급월 4월

📊 총 이력 1995~2026 (50건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.40 -82.8%

2015

$0.74 +86.1%

2016

$0.74 -0.4%

2017

$0.81 +10.6%

2018

$0.76 -6.3%

2019

$0.71 -7.2%

2021

$0.87 +23.2%

2022

$0.88 +0.9%

2023

$1.20 +36.3%

2024

$0.97 -19.3%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 50건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-04-17

$0.880

—

5.83%

2025-04-25

$0.802

—

7.02%

2025-01-13

$0.165

—

8.58%

2024-08-08

$0.379

—

9.55%

2024-04-24

$0.820

—

10.30%

2023-08-11

$0.383

—

7.37%

2023-04-26

$0.410

—

11.18%

2023-01-13

$0.087

—

7.00%

2022-08-12

$0.174

—

14.54%

2022-05-13

$0.245

—

13.00%

2022-04-27

$0.453

—

10.82%

2021-10-04

$0.563

—

5.02%

2021-02-23

$0.145

—

1.32%

2019-08-09

$0.266

—

10.72%

2019-04-25

$0.497

—

10.41%

2018-08-10

$0.280

—

7.99%

2018-04-25

$0.534

—

7.48%

2017-08-10

$0.285

—

5.60%

2017-05-09

$0.451

—

4.37%

2016-08-11

$0.269

—

8.48%

2016-04-26

$0.470

—

7.00%

2015-08-13

$0.261

—

2.52%

2015-05-12

$0.136

—

0.85%

2008-08-14

$1.10

—

7.14%

2008-04-21

$1.21

—

7.91%

2007-08-09

$0.911

—

6.29%

2007-04-26

$0.959

—

3.72%

2006-08-11

$0.755

—

5.37%

2006-04-24

$0.755

—

5.50%

2005-08-16

$0.670

—

4.90%

2005-04-25

$0.766

—

6.98%

2004-08-10

$0.588

—

7.54%

2004-04-26

$0.617

—

5.25%

2003-08-21

$0.538

—

7.50%

2003-04-14

$0.524

—

9.58%

2002-08-27

$0.470

—

5.73%

2002-04-16

$0.430

—

5.55%

2001-08-28

$0.428

—

4.42%

2001-04-16

$0.636

—

4.37%

2000-08-31

$0.369

—

2.52%

2000-05-01

$0.480

—

4.16%

1999-08-30

$0.327

—

3.61%

1999-05-06

$0.355

—

3.38%

1998-08-31

$0.319

—

3.24%

1998-05-06

$0.319

—

1.68%

1997-09-02

$0.245

—

1.04%

1996-08-27

$0.244

—

4.56%

1996-04-30

$0.265

—

4.81%

1995-08-28

$0.225

—

4.17%

1995-05-08

$0.246

—

2.28%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 3.8만원

5년 누적 (세후) 54.4만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 55.18% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
ING This Stock	$92.9B	13.0 ▲	1.6 ▼	13.02% ▲	4.41% ▲	+1.2%
BRK-A	$963.8B	14.8 ▼	1.5 ▼	10.49% ▲	-	+1.1%
BRK-B	$960.9B	14.7 ▼	1.5 ▼	10.49% ▲	-	+0.8%
JPM	$946.4B	15.1 ▼	2.7 ▼	17.71% ▲	1.81% ▼	+0.9%
V	$670.3B	31.3 ▼	19.1 ▼	59.8% ▲	0.76% ▼	+1.2%
MA	$476.8B	31.2 ▼	71.2 ▼	232.56% ▲	0.64% ▼	+1.8%
Sector Avg	-	13.6	1.3	9.13%	2.62%	-

Derivative ETFs for ING

Leveraged, inverse, and covered call ETFs based on the underlying asset

24 derivative ETFs based on ING (Leverage 8 · Inverse 8 · Covered Call 8)

These are based on the same underlying asset but carry a completely different risk and return profile. Please review the warning below first.

ℹ️ What is a Derivative ETF?

These are special ETFs that amplify, reverse, or monetize the price movement of an underlying ETF or security. Leveraged ETFs aim for 2–3× the daily move, Inverse ETFs target opposite-direction returns, and Covered Call ETFs generate monthly income from option premiums.

⚠️ Caution: Long-Term Holding

Leveraged and inverse ETFs track only the daily return. With high volatility, holding them for longer periods causes cumulative volatility decay—returns diverge further from the underlying index. They are meant for short-term trading.

📈 Leverage 8 ETFs that move 2-3x with ING (high volatility)