ING Bank Slaski (WAR:ING) Net Debt Paydown Yield % : -3.33% (As of Jul. 09, 2026)


WAR:ING ING Bank Slaski SA WAR:ING
70 GF Score
Price zł463.80
GF Value zł320.78
Valuation Significantly Overvalued
! 10 Warning Signs
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What is ING Bank Slaski Net Debt Paydown Yield %?

ING Bank Slaski WAR:ING +1.53% 70 Net Debt Paydown Yield % is -3.33% as of Jul. 09, 2026. GuruFocus rates WAR:ING with a GF Score™ of 70/100 and a GF Value™ of zł320.78 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 1,418 Banks companies, ING Bank Slaski ranks worse than 57.55% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, ING Bank Slaski's Net Debt Paydown Yield % was -3.33%.


ING Bank Slaski  (WAR:ING) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


ING Bank Slaski Net Debt Paydown Yield % Related Terms


ING Bank Slaski Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for ING Bank Slaski's Net Debt Paydown Yield % 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 Bank Slaski Net Debt Paydown Yield % Chart

ING Bank Slaski Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.92 3.49 -13.59 -16.35 -3.54

ING Bank Slaski Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Debt Paydown Yield % 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 -9.41 -6.30 -3.59 -3.54 -3.72

WAR:ING vs PNC: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, ING Bank Slaski's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Bank Slaski Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, ING Bank Slaski's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where ING Bank Slaski's Net Debt Paydown Yield % falls into.


WAR:ING
70GF Score
ING Bank Slaski SA WAR:ING
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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ING Bank Slaski Net Debt Paydown Yield % Calculation

ING Bank Slaski's Net Debt Paydown Yield % for the quarter that ended in Mar. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 15587.75-17554.75 )/52820.6
=-3.72 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -3.33% mean?
ING Bank Slaski (WAR:ING) has a Net Debt Paydown Yield % of -3.33% as of Jul. 09, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on ING Bank Slaski and its competitors. According to the industry distribution chart, ING Bank Slaski ranks #816 out of 1418 companies in the Banks industry, placing it in the top 57.5%.
Is ING Bank Slaski's Net Debt Paydown Yield % too high?
ING Bank Slaski's current Net Debt Paydown Yield % is -3.33%. Based on the distribution chart, ING Bank Slaski ranks #816 out of 1418 companies in the Banks industry, which is below the industry midpoint. Overall, ING Bank Slaski 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 Bank Slaski's Net Debt Paydown Yield % compare to PNC?
According to the Banks industry distribution chart, ING Bank Slaski ranks #816 out of 1418 companies for Net Debt Paydown Yield %. This places ING Bank Slaski in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on ING Bank Slaski and its competitors. ING Bank Slaski's current Net Debt Paydown Yield % is -3.33%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ING Bank Slaski stock overvalued right now?
Based on GuruFocus' analysis, ING Bank Slaski (WAR:ING) is currently considered Significantly Overvalued. The stock's GF Value™ is zł320.78, compared to a current price of zł463.80 — trading 44.6% above its estimated fair value. The current Net Debt Paydown Yield % is -3.33%. ING Bank Slaski's overall GF Score™ is 70/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For ING Bank Slaski (WAR:ING), the current Net Debt Paydown Yield % is -3.33% as of Jul. 09, 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 Bank Slaski (WAR:ING) Overvalued in 2026?

Based on GuruFocus' analysis, ING Bank Slaski stock appears to be overvalued. The current stock price of zł463.80 is trading 44.6% above its estimated GF Value™ of zł320.78. GuruFocus considers ING Bank Slaski to be Significantly Overvalued.

Key valuation signals for WAR:ING:

  • Net Debt Paydown Yield %: -3.33%
  • GF Value™: zł320.78 vs. price of zł463.80 (44.6% above fair value)
  • GF Score™: 70/100 with 10 warning signs

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


ING Bank Slaski Business Description

Other Exchanges 0MNY:UK6GF:Germany
Address Sokolska Street 34, Katowice, POL, 40-086
ING Bank Slaski SA offers a broad range of banking services rendered to individual and institutional clients in line with the scope of services outlined in the Bank's charter. The Bank runs operations both in the home currency and in foreign currencies. Additionally, through subsidiaries, the Group conducts leasing and factoring activity, advisory and acts as a financial intermediary as well as provides other financial services. The Group's business model includes the division of clients into two main segments namely the retail banking segment and corporate banking segment. The Group pursues business within the territory of the Republic of Poland.
70GF Score

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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł463.80
Price
zł320.78
GF Value