INGVF (ING Groep NV) Cash-to-Debt: (As of Jun. 2026)

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INGVF ING Groep NV INGVF
67 GF Score
Price $36.88
GF Value $24.47
Valuation Significantly Overvalued
! 7 Warning Signs
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What is ING Groep NV Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. ING Groep NV's cash to debt ratio for the quarter that ended in Jun. 2026 was .

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, ING Groep NV couldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.

The historical rank and industry rank for ING Groep NV's Cash-to-Debt or its related term are showing as below:

INGVF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16   Med: 0.59   Max: 1.27
Current: 0.35

During the past 13 years, ING Groep NV's highest Cash to Debt Ratio was 1.27. The lowest was 0.16. And the median was 0.59.

INGVF's Cash-to-Debt is ranked worse than
82.16% of 1491 companies
in the Banks industry
Industry Median: 1.37 vs INGVF: 0.35

ING Groep NV  (OTCPK:INGVF) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

ING Groep NV Cash-to-Debt Related Terms

ING Groep NV Cash-to-Debt Historical Data

* Premium members only.

The historical data trend for ING Groep NV's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

ING Groep NV Cash-to-Debt Chart

ING Groep NV Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash-to-Debt
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ING Groep NV Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cash-to-Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

INGVF vs JPM, BAC, WFC: Cash-to-Debt Comparison

For the Banks - Diversified subindustry, ING Groep NV's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry

For the Banks industry and Financial Services sector, ING Groep NV's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where ING Groep NV's Cash-to-Debt falls into.


INGVF
67GF Score
ING Groep NV INGVF
Cash-to-Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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ING Groep NV Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

ING Groep NV's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=62115.48605 / (147205.563 + 140142.4207)
=0.22

ING Groep NV's Cash to Debt Ratio for the quarter that ended in Jun. 2026 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=74261.9082 / (0 + 247828.5678)
=0.30

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is ING Groep NV (INGVF) Overvalued in 2026?

Based on GuruFocus' analysis, ING Groep NV stock appears to be overvalued. The current stock price of $36.88 is trading 50.7% above its estimated GF Value™ of $24.47. GuruFocus considers ING Groep NV to be Significantly Overvalued.

Key valuation signals for INGVF:

  • Cash-to-Debt:
  • GF Value™: $24.47 vs. price of $36.88 (50.7% above fair value)
  • GF Score™: 67/100 with 7 warning signs

No single metric tells the full story. See the INGVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ING Groep NV Business Description

Address Bijlmerdreef 106, Amsterdam, NLD, 1102 CT
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.
67GF Score

Get the complete analysis for INGVF

Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.88
Price
$24.47
GF Value