ING Bank SlaskiWAR:ING -0.53%72 ROE % is 15.70% as of Mar. 2026, which is 16% above its 10-year median of 13.56. GuruFocus rates WAR:ING with a GF Score™ of 72/100 and a GF Value™ of zł319.65 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 1,523 Banks companies, ING Bank Slaski ranks better than 94.55% on this metric.
The historical rank and industry rank for ING Bank Slaski's ROE % or its related term are showing as below:
WAR:ING'
s ROE % Range Over the Past 10 Years
Min: 7.91 Med: 13.56 Max: 34.06
Current: 22.78
During the past 13 years, ING Bank Slaski's highest ROE % was 34.06%. The lowest was 7.91%. And the median was 13.56%.
WAR:ING's ROE % is ranked better than 94.55% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs WAR:ING: 22.78
ING Bank Slaski (WAR:ING) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
ING Bank Slaski ROE % Related Terms
ING Bank Slaski ROE % Historical Data
* Premium members only.
The historical data trend for ING Bank Slaski's ROE % 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.
For the Banks - Regional subindustry, ING Bank Slaski's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, ING Bank Slaski's ROE % distribution charts can be found below:
* The bar in red indicates where ING Bank Slaski's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
ING Bank Slaski (WAR:ING) has a ROE % of 15.70% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on ING Bank Slaski and its competitors. This is 16% above median its historical median of 13.56. Over the past decade, ING Bank Slaski's ROE % has ranged from 7.91 to 34.06. According to the industry distribution chart, ING Bank Slaski ranks #83 out of 1523 companies in the Banks industry, placing it in the top 5.4%.
Is ING Bank Slaski's ROE % too high?
ING Bank Slaski's current ROE % of 15.70% is 16% above median its 10-year median of 13.56. Over the past 10 years, this metric has ranged from a low of 7.91 to a high of 34.06. The Banks industry median ROE % is 10.22. ING Bank Slaski's value of 15.70% is 53.6% above this industry median. Based on the distribution chart, ING Bank Slaski ranks #83 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, ING Bank Slaski has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ING Bank Slaski's ROE % compare to PNC?
According to the Banks industry distribution chart, ING Bank Slaski ranks #83 out of 1523 companies for ROE %. This places ING Bank Slaski in the top 5% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. ING Bank Slaski's value of 15.70% is 53.6% above this benchmark. Historically, ING Bank Slaski's own ROE % has ranged from 7.91 to 34.06 over the past decade. While the company's 10-year median is 13.56 vs. the industry median of 10.22, ING Bank Slaski 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ING Bank Slaski's current ROE % of 15.70% is 53.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on ING Bank Slaski and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ING Bank Slaski's current ROE % is 15.70%, which is 16% above median its own 10-year median of 13.56. 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 zł319.65, compared to a current price of zł448.20 — trading 40.2% above its estimated fair value. The current ROE % is 15.70%, which is 16% above median its 10-year median of 13.56 and 53.6% above the Banks industry median of 10.22. ING Bank Slaski's overall GF Score™ is 72/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For ING Bank Slaski (WAR:ING), the current ROE % is 15.70% 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 Bank Slaski (WAR:ING) Overvalued in 2026?
Based on GuruFocus' analysis, ING Bank Slaski stock appears to be overvalued.
The current stock price of zł448.20 is trading 40.2% above its estimated GF Value™ of zł319.65.
GuruFocus considers ING Bank Slaski to be Significantly Overvalued.
Key valuation signals for WAR:ING:
ROE %: 15.70% (16% above median its 10-year median of 13.56)
GF Value™: zł319.65 vs. price of zł448.20 (40.2% above fair value)
Industry Position: 53.6% above the Banks median (#83 of 1523)
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 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.
72GF Score
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