ING (ING Groep NV) LT-Debt-to-Total-Asset: 0.16 (As of Mar. 2026)


ING ING Groep NV ING
70 GF Score
Price $30.84
GF Value $22.30
Valuation Significantly Overvalued
! 7 Warning Signs
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What is ING Groep NV LT-Debt-to-Total-Asset?

ING Groep NV ING -0.58% 70 LT-Debt-to-Total-Asset is 0.16 as of Mar. 2026. GuruFocus rates ING with a GF Score™ of 70/100 and a GF Value™ of $22.30 (Significantly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. ING Groep NV's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.16.

ING Groep NV's long-term debt to total assets ratio increased from Mar. 2025 (0.16) to Mar. 2026 (0.16). It may suggest that ING Groep NV is progressively becoming more dependent on debt to grow their business.

ING Groep NV  (NYSE:ING) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

ING Groep NV LT-Debt-to-Total-Asset Related Terms

ING Groep NV LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for ING Groep NV's LT-Debt-to-Total-Asset 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.

ING Groep NV LT-Debt-to-Total-Asset Chart

ING Groep NV Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.12 0.12 0.15 0.17 0.17

ING Groep NV Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.16 0.15 0.16 0.17 0.16
ING
70GF Score
ING Groep NV ING
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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ING Groep NV LT-Debt-to-Total-Asset Calculation

ING Groep NV's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=209858.314/1234666.276
=0.17

ING Groep NV's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=211442.775/1315041.618
=0.16

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.16 mean?
ING Groep NV (ING) has a LT-Debt-to-Total-Asset of 0.16 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ING Groep NV and its competitors.
Is ING Groep NV's LT-Debt-to-Total-Asset too high?
ING Groep NV's current LT-Debt-to-Total-Asset is 0.16. Overall, ING Groep NV has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ING Groep NV's LT-Debt-to-Total-Asset compare to JPM and BAC?
ING Groep NV's LT-Debt-to-Total-Asset of 0.16 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ING Groep NV and its competitors. ING Groep NV's current LT-Debt-to-Total-Asset is 0.16. 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 $22.30, compared to a current price of $30.84 — trading 38.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.16. ING Groep NV's overall GF Score™ is 70/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For ING Groep NV (ING), the current LT-Debt-to-Total-Asset is 0.16 as of Mar. 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 $30.84 is trading 38.3% above its estimated GF Value™ of $22.30. GuruFocus considers ING Groep NV to be Significantly Overvalued.

Key valuation signals for ING:

  • LT-Debt-to-Total-Asset: 0.16
  • GF Value™: $22.30 vs. price of $30.84 (38.3% above fair value)
  • GF Score™: 70/100 with 7 warning signs

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.

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.
70GF Score

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

$30.84
Price
$22.30
GF Value