ING Groep N.V.

ING Groep N.V.

164.05
BRL
-5.61
(-3.31%)
3.99EPS
41.84P/E
456.19BMarket Cap
Oct 29Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.97
3.97
4.27
4.52
4.55
4.68
4.67
4.6
4.73
5.25
6.4
7.03
7.71
2.3
Basic EPS, GAAP
0.93
0.33
1.05
1.21
1.27
1.19
1.24
0.64
1.24
1.02
2.06
1.99
2.13
0.65
Free Cash Flow per Basic Share
-2.32
3.04
2.67
2.11
-1.44
4.62
3.29
26.04
-3.91
-3.15
-3.27
-7.13
-2.26
- -
Dividend per Share
- -
- -
0.36
0.65
0.66
0.65
0.69
- -
0.62
0.86
0.84
1.21
1.31
- -
Book Value per Share
11.08
13.4
12.44
12.91
13.05
13.17
12.11
14.09
14.36
13.87
15.41
16.34
17.22
17.67
Tangible Book Value per Share
10.6
12.97
12.03
12.53
12.67
12.69
11.62
13.73
14.06
13.56
15.05
15.91
16.7
17.06
Basic Weighted Avg Shares
3,803
3,832
3,834
3,853
3,870
3,864
3,865
3,876
3,866
3,598
3,542
3,210
2,972
10,318
Sales/Revenue/Turnover
15,113
15,227
16,368
17,402
17,594
18,101
18,061
17,839
18,285
18,891
22,674
22,554
22,903
23,732
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
765
692
634
536
520
520
789
829
834
711
674
673
665
- -
Net Income, GAAP
3,545
1,251
4,010
4,651
4,905
4,607
4,781
2,485
4,776
3,674
7,287
6,392
6,327
6,701
Effective Tax Rate (%)
24.89
26.19
26.52
27.41
31.38
30.16
28.61
32.71
27.68
31.35
28.31
28.49
27.82
29.12
Profit Margin (%)
23.46
8.22
24.5
26.73
27.88
25.45
26.47
13.93
26.12
19.45
32.14
28.34
27.63
28.24
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
161,262
144,510
149,909
131,754
121,578
142,004
119,689
105,743
116,014
119,497
150,000
171,327
179,219
185,079
Total Equity
49,688
59,416
48,470
50,399
51,121
51,735
47,817
55,660
54,656
50,411
52,182
51,308
50,953
51,386
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.52
0.51
1.79
2.41
2.72
2.46
2.59
1.46
2.8
2.1
3.79
2.89
2.67
2.83
Return on Common Equity (%)
7.99
2.67
8.09
9.53
9.79
9.09
9.77
4.89
8.8
7.08
14.41
12.59
12.65
13.49

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
178,169
182,898
185,079
LT Finance Leases
1,050
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,886
2,860
2,843
Market Capitalization
70,170
64,229
77,250

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
106,313
127,917
124,366
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3,269
- -
517
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.7%
-1.68%
-0.69%
Free Cash Flow
-5.48%
-22.2%
-70.58%
Net Income, GAAP
12.53%
30.83%
-1.02%
Sales/Revenue/Turnover
3.57%
5.37%
1.55%
Total Cash Common Dividend
7,934.41%
15,871.33%
0.13%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,583
5,698
5,910
5,407
22,554
2025
5,636
5,704
5,854
5,798
22,903
2026
5,824
6,256
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.48
0.09
0.59
0.37
1.99
2025
0.48
0.09
0.1
0.49
2.13
2026
0.54
0.11
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.21
2025
- -
- -
- -
- -
1.31
2026
- -
- -
- -
- -
- -

Company Description

CEO
Steven van Rijswijk
Full Time Employees
62,770
Sector
Finance
Industry
Major banks
Address
Bijlmerdreef 106 Amsterdam NH Netherlands 1102 CT
IPO Date
Mar 1, 1991
Website
ing.com
Business
ING Groep N.V., a prominent financial services company, delivers a comprehensive array of banking offerings across a vast international footprint, encompassing the Netherlands, Belgium, Germany, Poland, the broader European region, North and Latin America, Asia, and Australia. The institution organizes its operations through distinct divisions: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, Wholesale Banking, and Corporate Line Banking. This global bank facilitates diverse deposits, including current and savings accounts, and extends various lending solutions such as business financing, residential mortgage products, and personal and revolving credit lines. Furthermore, it provides sophisticated solutions in debt capital markets, working capital management, export finance, day-to-day banking, treasury and risk management, and corporate advisory services. ING also offers specialized lending, equity market access, payments and cash management, trade services, investment opportunities, insurance products, and advanced digital banking capabilities, with a strategic emphasis on a frictionless, mobile-first customer experience and sustainable finance. The firm caters to individual consumers, small and medium-sized enterprises, large corporate entities, and financial institutions worldwide. ING Groep N.V. traces its origins back to 1762 and maintains its headquarters in Amsterdam, the Netherlands.

Company News

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