1. Netherlands Stocks

  2. •

    Financial Services

  3. •

    Banks - Diversified
ING Groep N.V.

ING Groep N.V.

INN1.DE
ING Groep N.V.DE flagDeutsche Börse
30.67
EUR
+0.22
- -
87.60BMarket Cap
ING Groep N.V.
INN1.DE
(Deutsche Börse)

Recent

price

30.67

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
11.9
8.55
3.54
3.95
3.95
4.25
4.49
4.52
4.66
4.65
4.58
4.7
5.22
6.36
6.99
7.66
8.17
Revenue per Share
0.63
1.26
0.98
0.93
0.32
1.04
1.2
1.26
1.19
1.23
0.64
1.23
1.02
2.05
1.98
2.12
2.31
Basic EPS, GAAP
-1.39
3.6
-2.55
-2.3
3.02
2.65
2.1
-1.43
4.59
3.27
25.89
-3.89
-3.13
-3.25
-7.09
-2.25
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
0.36
0.65
0.66
0.65
0.69
- -
0.61
0.85
0.83
1.2
1.3
- -
Dividend per Share
9.84
11.18
12.22
11.02
13.32
12.36
12.84
12.98
13.09
12.04
14.01
14.28
13.79
15.32
16.25
17.12
17.57
Book Value per Share
8.44
10.25
11.53
10.54
12.89
11.96
12.46
12.6
12.62
11.55
13.65
13.97
13.49
14.97
15.82
16.6
16.96
Tangible Book Value per Share
3,782
3,784
3,796
3,825
3,855
3,856
3,875
3,893
3,887
3,887
3,899
3,888
3,619
3,563
3,229
2,990
2,903
Basic Weighted Avg Shares
45,002
32,343
13,449
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
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,723
1,514
777
765
692
634
536
520
520
789
829
834
711
674
673
665
- -
Depreciation Expense
2,367
4,754
3,727
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
Net Income, GAAP
32.56
20.69
25.29
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
Effective Tax Rate (%)
5.26
14.7
27.71
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
179,192
168,403
168,945
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
LT Debt
43,448
46,604
50,350
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.88
11.8
8.35
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
Return on Common Equity (%)

Capital Structure

FRC

•

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
2,902
2,877
2,860
Market Capitalization
69,891
63,602
79,071

Working Capital

FRC

•

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

FRC

•

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

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,583
5,698
5,910
5,407
22,554
2025
5,636
5,703
5,854
5,798
22,903
2026
5,824
6,256
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.48
- -
0.59
0.37
1.98
2025
0.47
- -
- -
0.48
2.12
2026
0.54
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.2
2025
- -
- -
- -
- -
1.3
2026
- -
- -
- -
- -
- -
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Business
ING Groep N.V. ING Groep N.V. is a Dutch multinational banking and financial services corporation headquartered in Amsterdam that provides retail and wholesale banking services to individuals, small businesses, corporations, financial institutions, and governments worldwide. The company offers a broad range of products and services including current and savings accounts, time deposits, residential mortgages, consumer and SME loans, payments, investments, insurance, and digital banking solutions in its retail segments across core markets such as the Netherlands, Belgium, and Luxembourg, as well as challenger markets including Germany, Australia, Italy, Spain, Poland, Romania, and Turkey; in wholesale banking, it delivers specialised lending, corporate finance, debt and equity market solutions, sustainable finance, cash management, trade finance, and treasury services primarily focused on Europe with selective operations elsewhere. ING Groep N.V. operates in more than 100 countries with over 60,000 employees and serves approximately 53 million retail clients, tracing its origins to a 1991 merger of Nationale-Nederlanden insurance and NMB Postbank Groep banking operations with roots dating back to 1762. Recent developments include the completion in July 2025 of a 17.6% stake acquisition in Van Lanschot Kempen N.V., increasing its total ownership to 20.3%; ING Bank Śląski's acquisition of the remaining 55% stake in Goldman Sachs TFI in Poland for approximately €93 million; ongoing share buyback programmes totaling up to €2.5 billion announced in 2024 and additional distributions in 2025; executive changes such as the appointment of Ljiljana Čortan as head of Wholesale Banking effective in 2026 and Ida Lerner as chief financial officer; and an agreement reached in January 2025 to sell its Russian business to Global Development JSC, expected to close in the third quarter of 2025.