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ING Groep NVING +0.56%65 3-Year Book Growth Rate is 7.50% as of Jun. 2026, which is 154% above its 10-year median of 2.95. GuruFocus rates ING with a GF Score™ of 65/100 and a GF Value™ of $24.39 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,492 Banks companies, ING Groep NV ranks worse than 58.31% on this metric.
During the past 12 months, ING Groep NV's average Book Value per Share Growth Rate was 6.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 7.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 4.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 3.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of ING Groep NV was 22.00% per year. The lowest was -24.00% per year. And the median was 2.95% per year.
ING Groep NV (NYSE:ING) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
ING Groep NV 3-Year Book Growth Rate Related Terms
ING vs JPM, BAC, WFC: 3-Year Book Growth Rate Comparison
For the Banks - Diversified subindustry, ING Groep NV's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ING Groep NV 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, ING Groep NV's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where ING Groep NV's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 7.50% mean?
ING Groep NV (ING) has a 3-Year Book Growth Rate of 7.50% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for ING Groep NV and its competitors. This is 154% above median its historical median of 2.95. According to the industry distribution chart, ING Groep NV ranks #870 out of 1492 companies in the Banks industry, placing it in the top 58.3%.
Is ING Groep NV's 3-Year Book Growth Rate too high?
ING Groep NV's current 3-Year Book Growth Rate of 7.50% is 154% above median its 10-year median of 2.95. The Banks industry median 3-Year Book Growth Rate is 8.80. ING Groep NV's value of 7.50% is 14.8% below this industry median. Based on the distribution chart, ING Groep NV ranks #870 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, ING Groep NV has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ING Groep NV's 3-Year Book Growth Rate compare to JPM and BAC?
According to the Banks industry distribution chart, ING Groep NV ranks #870 out of 1492 companies for 3-Year Book Growth Rate. This places ING Groep NV in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. ING Groep NV's value of 7.50% is 14.8% below this benchmark. While the company's 10-year median is 2.95 vs. the industry median of 8.80, ING Groep NV has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ING Groep NV's current 3-Year Book Growth Rate of 7.50% is 14.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for ING Groep NV and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ING Groep NV's current 3-Year Book Growth Rate is 7.50%, which is 154% above median its own 10-year median of 2.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ING Groep NV stock overvalued right now?
Based on GuruFocus' analysis, ING Groep NV (ING) is currently considered Significantly Overvalued. The stock's GF Value™ is $24.39, compared to a current price of $35.30 — trading 44.7% above its estimated fair value. The current 3-Year Book Growth Rate is 7.50%, which is 154% above median its 10-year median of 2.95 and 14.8% below the Banks industry median of 8.80. ING Groep NV's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For ING Groep NV (ING), the current 3-Year Book Growth Rate is 7.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is ING Groep NV (ING) Overvalued in 2026?
Based on GuruFocus' analysis, ING Groep NV stock appears to be overvalued.
The current stock price of $35.30 is trading 44.7% above its estimated GF Value™ of $24.39.
GuruFocus considers ING Groep NV to be Significantly Overvalued.
Key valuation signals for ING:
3-Year Book Growth Rate: 7.50% (154% above median its 10-year median of 2.95)
GF Value™: $24.39 vs. price of $35.30 (44.7% above fair value)
Industry Position: 14.8% below the Banks median (#870 of 1492)
No single metric tells the full story. See the ING stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The merger of the Dutch postal bank and NN Insurance in 1991 created ING. Through a series of further acquisitions, ING has built up a global footprint. The 2008 financial crisis forced ING to seek government support—a precondition of which was that ING should separate its banking and insurance activities, which saw ING revert to being solely a bank. ING has market-leading banking operations in the Netherlands and Belgium, and a range of digital banks across Europe and Australia. Its global wholesale banking operation is primarily focused on lending.
65GF Score
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