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ING Groep NVCHIX:INGAA 70 5-Year Yield-on-Cost % is 3.82 as of Jul. 17, 2026, which is 22% below its 10-year median of 4.90. GuruFocus rates CHIX:INGAA with a GF Score™ of 70/100 and a GF Value™ of €19.55 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,255 Banks companies, ING Groep NV ranks worse than 50.84% on this metric.
ING Groep NV's yield on cost for the quarter that ended in Mar. 2026 was 3.82.
The historical rank and industry rank for ING Groep NV's 5-Year Yield-on-Cost % or its related term are showing as below:
CHIX:INGAa'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.01 Med: 4.9 Max: 14.77
Current: 3.82
During the past 13 years, ING Groep NV's highest Yield on Cost was 14.77. The lowest was 1.01. And the median was 4.90.
CHIX:INGAa's 5-Year Yield-on-Cost % is ranked worse than 50.84% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs CHIX:INGAa: 3.82
ING Groep NV (CHIX:INGAa) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
ING Groep NV 5-Year Yield-on-Cost % Related Terms
CHIX:INGAA vs JPM, BAC, WFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, ING Groep NV's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, ING Groep NV's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where ING Groep NV's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of ING Groep NV is calculated as
ING Groep NV (CHIX:INGAA) has a 5-Year Yield-on-Cost % of 3.82 as of Jul. 17, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on ING Groep NV and its competitors. This is 22% below median its historical median of 4.90. Over the past decade, ING Groep NV's 5-Year Yield-on-Cost % has ranged from 1.01 to 14.77. According to the industry distribution chart, ING Groep NV ranks #638 out of 1255 companies in the Banks industry, placing it in the top 50.8%.
Is ING Groep NV's 5-Year Yield-on-Cost % too high?
ING Groep NV's current 5-Year Yield-on-Cost % of 3.82 is 22% below median its 10-year median of 4.90. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 14.77. The Banks industry median 5-Year Yield-on-Cost % is 3.85. ING Groep NV's value of 3.82 is 0.8% below this industry median. Based on the distribution chart, ING Groep NV ranks #638 out of 1255 companies in the Banks industry, which is below the industry midpoint. 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 5-Year Yield-on-Cost % compare to JPM and BAC?
According to the Banks industry distribution chart, ING Groep NV ranks #638 out of 1255 companies for 5-Year Yield-on-Cost %. This places ING Groep NV in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. ING Groep NV's value of 3.82 is 0.8% below this benchmark. Historically, ING Groep NV's own 5-Year Yield-on-Cost % has ranged from 1.01 to 14.77 over the past decade. While the company's 10-year median is 4.90 vs. the industry median of 3.85, ING Groep NV 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.85, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ING Groep NV's current 5-Year Yield-on-Cost % of 3.82 is 0.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on ING Groep NV and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ING Groep NV's current 5-Year Yield-on-Cost % is 3.82, which is 22% below median its own 10-year median of 4.90. 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 (CHIX:INGAA) is currently considered Significantly Overvalued. The stock's GF Value™ is €19.55, compared to a current price of €28.41 — trading 45.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.82, which is 22% below median its 10-year median of 4.90 and 0.8% below the Banks industry median of 3.85. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For ING Groep NV (CHIX:INGAA), the current 5-Year Yield-on-Cost % is 3.82 as of Jul. 17, 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 (CHIX:INGAA) Overvalued in 2026?
Based on GuruFocus' analysis, ING Groep NV stock appears to be overvalued.
The current stock price of €28.41 is trading 45.3% above its estimated GF Value™ of €19.55.
GuruFocus considers ING Groep NV to be Significantly Overvalued.
Key valuation signals for CHIX:INGAA:
5-Year Yield-on-Cost %: 3.82 (22% below median its 10-year median of 4.90)
GF Value™: €19.55 vs. price of €28.41 (45.3% above fair value)
Industry Position: 0.8% below the Banks median (#638 of 1255)
No single metric tells the full story. See the CHIX:INGAA 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.
70GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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