ING Groep N.V. (ING) Q4 2025 Earnings Call Transcript
ING Groep N.V. (ING) Q4 2025 Earnings Call Transcript
The bank expects boosts from loan volume growth and an increase in income from fees and commissions, which it aims to keep growing to diversify its income as central banks cut interest rates.
ING Groep delivered robust Q3 results, maintaining strong profitability and capital generation amidst a stable eurozone outlook. ING's CET1 capital ratio stands at 13.4%, enabling a €1.1B share buyback and €500M dividend, with continued capital build expected. Dividend policy targets ~50% payout and ongoing buybacks, supporting rising EPS and yield; 2027 consensus implies a 5.4% yield at 9x earnings.
Does ING Groep (ING) have what it takes to be a top stock pick for momentum investors? Let's find out.
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ING (ING) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
ING Bank Slaski said on Tuesday that it had agreed to acquire the remaining 55% stake in Polish asset management company Goldman Sachs TFI from Goldman Sachs Asset Management International Holdings for 396 million zlotys ($108 million).
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ING Groep N.V. ( ING ) Q3 2025 Earnings Call October 30, 2025 4:00 AM EDT Company Participants Steven van Rijswijk - CEO and Chairman of the Executive Board & Management Board Banking Tanate Phutrakul - CFO and Member of the Executive Board & Management Board Banking Ljiljana Cortan - CRO, Member of the Executive Board & Management Board Banking Conference Call Participants Delphine Lee - JPMorgan Chase & Co, Research Division Namita Samtani - Barclays Bank PLC, Research Division Tarik El Mejjad - BofA Securities, Research Division Giulia Miotto - Morgan Stanley, Research Division Benoit Petrarque - Kepler Cheuvreux, Research Division Benjamin Goy - Deutsche Bank AG, Research Division Shrey Srivastava - Citigroup Inc., Research Division Chris Hallam - Goldman Sachs Group, Inc., Research Division Anke Reingen - RBC Capital Markets, Research Division Farquhar Murray - Bernstein Autonomous LLP Jonathan Matthew Clark - Mediobanca - Banca di credito finanziario S.p.A.
ING Groep is due to report earnings on October 30, 2025. Euro strength headwinds are likely to be offset by ongoing share repurchases. The bank reports that lending activity is picking up, unemployment is low, and bankruptcies are stable. The bank's EPS is anticipated to bottom out in 2025, with outsized growth of 20-30% projected for 2026-2027, putting ING on track to reach its 14% return on equity target.
Does ING Groep (ING) have what it takes to be a top stock pick for momentum investors? Let's find out.