Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ING Groep NVING -0.55%67 3-Year EPS without NRI Growth Rate is 23.20% as of Jun. 2026, which is 102% above its 10-year median of 11.50. GuruFocus rates ING with a GF Score™ of 67/100 and a GF Value™ of $24.23 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,409 Banks companies, ING Groep NV ranks better than 80.13% on this metric.
During the past 12 months, ING Groep NV's average EPS without NRI Growth Rate was 14.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 23.20% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 21.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 5.70% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of ING Groep NV was 74.80% per year. The lowest was -48.70% per year. And the median was 11.50% per year.
ING Groep NV (NYSE:ING) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
ING Groep NV 3-Year EPS without NRI Growth Rate Related Terms
ING vs JPM, BAC, WFC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Diversified subindustry, ING Groep NV's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, ING Groep NV's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where ING Groep NV's 3-Year EPS without NRI Growth Rate falls into.
ING Groep NV 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 23.20% mean?
ING Groep NV (ING) has a 3-Year EPS without NRI Growth Rate of 23.20% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for ING Groep NV and its competitors. This is 102% above median its historical median of 11.50. According to the industry distribution chart, ING Groep NV ranks #280 out of 1409 companies in the Banks industry, placing it in the top 19.9%.
Is ING Groep NV's 3-Year EPS without NRI Growth Rate too high?
ING Groep NV's current 3-Year EPS without NRI Growth Rate of 23.20% is 102% above median its 10-year median of 11.50. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. ING Groep NV's value of 23.20% is 209.3% above this industry median. Based on the distribution chart, ING Groep NV ranks #280 out of 1409 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, ING Groep NV has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ING Groep NV's 3-Year EPS without NRI Growth Rate compare to JPM and BAC?
According to the Banks industry distribution chart, ING Groep NV ranks #280 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places ING Groep NV in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.50. ING Groep NV's value of 23.20% is 209.3% above this benchmark. While the company's 10-year median is 11.50 vs. the industry median of 7.50, ING Groep NV has consistently been above 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 23.20% is 209.3% above 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for ING Groep NV and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ING Groep NV's current 3-Year EPS without NRI Growth Rate is 23.20%, which is 102% above median its own 10-year median of 11.50. 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 $24.23, compared to a current price of $34.50 — trading 42.4% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 23.20%, which is 102% above median its 10-year median of 11.50 and 209.3% above the Banks industry median of 7.50. ING Groep NV's overall GF Score™ is 67/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For ING Groep NV (ING), the current 3-Year EPS without NRI Growth Rate is 23.20% 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 $34.50 is trading 42.4% above its estimated GF Value™ of $24.23.
GuruFocus considers ING Groep NV to be Significantly Overvalued.
Key valuation signals for ING:
3-Year EPS without NRI Growth Rate: 23.20% (102% above median its 10-year median of 11.50)
GF Value™: $24.23 vs. price of $34.50 (42.4% above fair value)
Industry Position: 209.3% above the Banks median (#280 of 1409)
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.
67GF Score
Get the complete analysis for ING
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ING has been successfully added to your 
