ING Groep INGA

equity

Price History

1995-02 · DCA start€5.41

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

1995-022026-08 · -6.0%

Worst drawdown: −91%, peaking Nov 2000 and bottoming Jan 2009 — still unrecovered after 309 months.

DCA Backtest

Start month

Monthly amount (EUR)

Invested: €37,900
Value today: €102,484
Return: +170.4%
Months invested: 379

Scenarios

Lump sum instead — €37,900 all at once in Feb 1995: €215,083 (+467.5%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Nov 2000): €85,920 on €31,000 invested (+177.2%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

	J	F	M	A	M	J	J	A	S	O	N	D
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1995-02: +170.4%

About ING Groep

The ING Group is a Dutch multinational banking and financial services corporation headquartered in Amsterdam. Its primary businesses are retail banking, direct banking, commercial banking, investment banking, wholesale banking, private banking, and asset management. With total assets of €1,316 billion, it consistently ranks among the largest banks globally. (Wikipedia)

It's a listed company categorised under financials.

It rates Medium-High Risk at 2.6/5, meaning real but ordinary risk — the kind most mainstream assets carry, with some factors scoring poorly.

What pushes the score up: earnings quality (5.0/5) and sector / regulatory (4.0/5).

Scoring well: governance at 1.0/5.

Not yet researched: concentration. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-High Risk(2.6/5)90% rated

How these ratings work

Market / Volatility2.7/5 · weight 20%

Annualised volatility (3yr)2/521.0
Max drawdown from ATH5/591.4
Beta vs S&P 5001/50.33

Liquidity1.0/5 · weight 15%

Avg daily $ volume1/5160.9m
Float % of shares outstandingnot yet researched

Leverage / Financial2.0/5 · weight 20%

Debt / equity2/53.6
Interest coverage (EBIT / interest)not yet researched

Earnings Quality5.0/5 · weight 15%

3yr EPS volatility5/557.9

Concentrationunrated · weight 10%

Largest customer, % of revenuenot yet researched
Geographic revenue concentrationnot yet researched

Governance1.0/5 · weight 10%

Board independence %not yet researched
Share structure1/5single class
Litigation / audit historynot yet researched

Sector / Regulatory4.0/5 · weight 10%

Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.