ING Bank SlaskiWAR:ING -0.04%70 WACC % is 12.03% as of Jun. 27, 2026, which is 40% above its 10-year median of 8.57. GuruFocus rates WAR:ING with a GF Score™ of 70/100 and a GF Value™ of zł319.69 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 1,543 Banks companies, ING Bank Slaski ranks better than 57.49% on this metric.
As of today (2026-06-27), ING Bank Slaski's weighted average cost of capital is 12.03%%. ING Bank Slaski's ROIC % is 0.00% (calculated using TTM income statement data).
ING Bank Slaski earns returns that do not match up to its cost of capital. It will destroy value as it grows.
For a comprehensive WACC calculation, please access the WACC Calculator.
ING Bank Slaski (WAR:ING) WACC % Explanation
Because it costs money to raise capital. A firm that generates higher ROIC % than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, ING Bank Slaski's weighted average cost of capital is 12.03%%. ING Bank Slaski's ROIC % is 0.00% (calculated using TTM income statement data).
ING Bank Slaski earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
1. GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding latest one-year quarterly average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together.
For companies that report quarterly, GuruFocus combines all of the most recent year's quarterly debt data from the beginning of the year to the year-end and calculates the average.
For companies that report semi-annually, GuruFocus combines all of the most recent year's semi-annual debt data from the start of the year to the year-end and calculates the average.
For companies that report annually, GuruFocus combines the beginning and ending annual debt data from the most recent year and then calculates the average.
2. The WACC formula discussed above does not include Preferred Stock. Please adjust if preferred stock is considered.
3. (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
4. GuruFocus uses the latest TTM Interest Expense divided by the latest one-year quarterly average debt to get the simplified cost of debt.
Related Terms
ING Bank Slaski WACC % Historical Data
* Premium members only.
The historical data trend for ING Bank Slaski's WACC % 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 WACC %, along with its competitors' market caps and WACC % 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 WACC % vs Banks Industry
For the Banks industry and Financial Services sector, ING Bank Slaski's WACC % distribution charts can be found below:
* The bar in red indicates where ING Bank Slaski's WACC % falls into.
The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. The WACC is commonly referred to as the firm's cost of capital. Generally speaking, a company's assets are financed by debt and equity. WACC is the average of the costs of these sources of financing, each of which is weighted by its respective use in the given situation. By taking a weighted average, we can see how much interest the company has to pay for every dollar it finances.
WACC
=
E
/
(E + D)
*
Cost of Equity
+
D
/
(E + D)
*
Cost of Debt
*
(1 - Tax Rate)
1. Weights:
Generally speaking, a company's assets are financed by debt and equity. We need to calculate the weight of equity and the weight of debt.
The market value of equity (E) is also called "Market Cap". As of today, ING Bank Slaski's market capitalization (E) is zł57972.560 Mil.
The market value of debt is typically difficult to calculate, therefore, GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding the latest one-year quarterly average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together. As of Mar. 2026, ING Bank Slaski's latest one-year quarterly average Book Value of Debt (D) is zł17223.4 Mil.
a) weight of equity = E / (E + D) = 57972.560 / (57972.560 + 17223.4) = 0.771
b) weight of debt = D / (E + D) = 17223.4 / (57972.560 + 17223.4) = 0.229
2. Cost of Equity:
GuruFocus uses Capital Asset Pricing Model (CAPM) to calculate the required rate of return. The formula is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
a) GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate. It is updated daily. The current risk-free rate is 5.74%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default.
b) Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. ING Bank Slaski's beta is 0.5994.
c) (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
Cost of Equity = 5.74% + 0.5994 * 6% = 9.3364%
3. Cost of Debt:
GuruFocus uses latest TTM Interest Expense divided by the latest one-year quarterly average debt to get the simplified cost of debt.
As of Mar. 2026, ING Bank Slaski's interest expense (positive number) was zł4878 Mil. Its total Book Value of Debt (D) is zł17223.4 Mil.
Cost of Debt = 4878 / 17223.4 = 28.3219%.
4. Multiply by one minus TTM Tax Rate:
GuruFocus uses the most recent TTM Tax Expense divided by the most recent TTM Pre-Tax Income to calculate the tax rate. The calculated TTM tax rate is limited to between 0% and 100%. If the calculated tax rate is higher than 100%, it is set to 100%. If the calculated tax rate is less than 0%, it is set to 0%.
The latest calculated TTM Tax Rate = 1524 / 5966 = 25.54%.
ING Bank Slaski's Weighted Average Cost Of Capital (WACC) for Today is calculated as:
WACC
=
E / (E + D)
*
Cost of Equity
+
D / (E + D)
*
Cost of Debt
*
(1 - Tax Rate)
=
0.771
*
9.3364%
+
0.229
*
28.3219%
*
(1 - 25.54%)
=
12.03%
* 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 (WAR:ING) has a WACC % of 12.03% as of Jun. 27, 2026. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on ING Bank Slaski and its competitors. This is 40% above median its historical median of 8.57. Over the past decade, ING Bank Slaski's WACC % has ranged from 1.99 to 19.32. According to the industry distribution chart, ING Bank Slaski ranks #656 out of 1543 companies in the Banks industry, placing it in the top 42.5%.
Is ING Bank Slaski's WACC % too high?
ING Bank Slaski's current WACC % of 12.03% is 40% above median its 10-year median of 8.57. Over the past 10 years, this metric has ranged from a low of 1.99 to a high of 19.32. The Banks industry median WACC % is 13.20. ING Bank Slaski's value of 12.03% is 8.9% below this industry median. Based on the distribution chart, ING Bank Slaski ranks #656 out of 1543 companies in the Banks industry, which is above 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 WACC % compare to PNC?
According to the Banks industry distribution chart, ING Bank Slaski ranks #656 out of 1543 companies for WACC %. This puts ING Bank Slaski in the upper half of its industry. The industry median WACC % is 13.20. ING Bank Slaski's value of 12.03% is 8.9% below this benchmark. Historically, ING Bank Slaski's own WACC % has ranged from 1.99 to 19.32 over the past decade. While the company's 10-year median is 8.57 vs. the industry median of 13.20, ING Bank Slaski has consistently been below 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 WACC % for a Banks company?
The median WACC % among Banks companies is 13.20, based on 1,543 companies in the industry. Companies in the top quartile (top 25%) have a WACC % significantly above this median, while those in the bottom quartile fall well below. However, WACC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ING Bank Slaski's current WACC % of 12.03% is 8.9% below 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 WACC % mean?
A high WACC % can signal that a stock is expensive relative to its fundamentals. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on ING Bank Slaski and its competitors. For the Banks industry, the median WACC % is 13.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ING Bank Slaski's current WACC % is 12.03%, which is 40% above median its own 10-year median of 8.57. 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 zł319.69, compared to a current price of zł445.60 — trading 39.4% above its estimated fair value. The current WACC % is 12.03%, which is 40% above median its 10-year median of 8.57 and 8.9% below the Banks industry median of 13.20. 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 WACC % calculated?
WACC % is calculated from a company's financial statements. For ING Bank Slaski (WAR:ING), the current WACC % is 12.03% as of Jun. 27, 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 zł445.60 is trading 39.4% above its estimated GF Value™ of zł319.69.
GuruFocus considers ING Bank Slaski to be Significantly Overvalued.
Key valuation signals for WAR:ING:
WACC %: 12.03% (40% above median its 10-year median of 8.57)
GF Value™: zł319.69 vs. price of zł445.60 (39.4% above fair value)
Industry Position: 8.9% below the Banks median (#656 of 1543)
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.
70GF Score
Get the complete analysis for WAR:ING
WACC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WAR:ING has been successfully added to your 
