ING Groep N.V.
INGFinancial Services · Stock · quarterly payer
Forward Yield
3.63%
Annual Dividend
$1.32
Payout Ratio
47%
5-Yr Growth
—
Ex-Date
Aug 10, 2026
Frequency
Quarterly
Summary
As of September 2026, ING Groep N.V. (ING) yields 3.63% ($1.32 per share annually), with a blended fair-value estimate of $59.98 — +65% upside, so it screens as undervalued. Dividend safety grade: D (49/100).
Is ING a good dividend stock?
MixedING Groep N.V. (ING) pays a quarterly dividend yielding 3.63% ($1.32/yr), with 0 years of growth and a dividend-safety grade of D. The picture is mixed — the dividend pays, but safety or growth signals are weaker than ideal.
Advantages
- Comfortable payout ratio (47%)
- 141% total price return over 5 years
Risks
- Cut its dividend in 2025
- Below-average dividend safety score
Key Data
- Dividend Yield
- 3.63%
- Payout Ratio
- 47%
- Annual Dividend
- $1.32
- 5-Yr Avg Growth
- —
- Ex-Dividend Date
- Aug 10, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.90
- Market Cap
- $103.7B
- P/E Ratio
- 13.7
- 5-Yr Total Return
- 141%
- 52-Week Range
- $23.64 – $37.52
- Dividend Safety
- D · 49/100
- Ever Cut?
- Yes (2025)
Frequently Asked Questions
ING Price — Last 12 Months
Daily close
Price Return
1 Year
+46%
3 Years
+183%
5 Years
+141%
52-Week Range
$23.64 – $37.52
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is ING worth?
Undervaluedmedium confidenceOur blended fair-value estimate for ING Groep N.V. is $59.98 per share, versus a market price of $36.40. That implies 65% of upside — a margin of safety of about 39%.
Fair Value
$59.98
Current Price
$36.40
Upside
+65%
Margin of Safety
39%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 15.7% — below our estimate, leaving room for upside if the business executes.
Assumptions: 8.8% discount rate (CAPM), 15.7% stage-1 growth, 2.5% terminal growth, $2.65 EPS, $1.32 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
ING Dividend Safety Score
Risky
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 10, 2026 | — | $0.4580 | regular |
| Apr 17, 2026 | — | $0.8800 | regular |
| Apr 25, 2025 | — | $0.8020 | regular |
| Jan 13, 2025 | — | $0.1650 | regular |
| Aug 8, 2024 | — | $0.3790 | regular |
| Apr 24, 2024 | — | $0.8200 | regular |
| Aug 11, 2023 | — | $0.3830 | regular |
| Apr 26, 2023 | — | $0.4100 | regular |
| Jan 13, 2023 | — | $0.0870 | regular |
| Aug 12, 2022 | — | $0.1740 | regular |
| May 13, 2022 | — | $0.2450 | regular |
| Apr 27, 2022 | — | $0.4530 | regular |
| Oct 4, 2021 | — | $0.5630 | regular |
| Feb 23, 2021 | — | $0.1450 | regular |
Income Calculator
At $1.32 / yr per share
