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ING

ING Groep N.V.

Price Chart
Latest Quote

$31.20

+0.14 (+0.47%)
Current Price
Previous Close $31.05
Open $31.12
Day High $31.23
Day Low $30.96
Volume 3,615,184
Fetched: 2026-06-25T16:05:04
Stock Information
Note: Financial values converted from EUR to USD
Quarterly Dividend / Yield $1.27 / 4.08%
Shares Outstanding 2.86B
Quarterly Dividend Yield 4.08%
Quarterly Dividend $1.27
Total Debt $291.73B
Cash Equivalents $150.80B
Revenue $28.03B
Net Income $9.59B
Sector Financial Services
Industry Banks - Diversified
Market Cap $89.26B
P/E Ratio 12.48
EPS (TTM) $2.50
Exchange NYQ
🌐 Visit Website
📊 Comprehensive Analysis
Company Data
Enterprise Value$214.27B
Sales$28.03B
Income$9.59B
Book/sh$20.40
Cash/sh$46.28
Employees60K
Financial Ratios
EPS Growth TTM6.90%
Returns & Margins
ROA0.78%
ROE16.57%
Operating Margin41.68%
Profit Margin34.23%
Ownership
Institutional Ownership5.92%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E9.95
PEG2.12
P/S3.63
P/B1.53
Analyst Data
Recommendationnone
Target Price$31.47
Technical Indicators
SMA20$30.58
SMA50$29.75
SMA200$26.96
RSI53.87
ATR0.7064
Shares Float2.88B
Short Float0.07%
Short Ratio0.86
Volatility0.90
Rel Volume0.80
Performance History
Week-0.14%
Month-0.40%
Quarter+24.90%
6 Months+14.42%
YTD+11.83%
Year+50.58%
3 Years+180.36%
5 Years+234.79%
10 Years+464.51%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-06-25 $31.19 3,615,184
2026-06-24 $31.05 5,242,700
2026-06-23 $31.65 5,480,400
2026-06-22 $32.20 4,418,300
2026-06-18 $31.36 7,813,200
2026-06-17 $31.24 5,712,800
2026-06-16 $31.13 4,465,100
2026-06-15 $30.43 5,202,700
2026-06-12 $30.21 5,438,900
2026-06-11 $29.68 6,614,300
2026-06-10 $28.71 6,109,000
2026-06-09 $29.27 5,929,500
2026-06-08 $29.11 4,245,400
2026-06-05 $29.67 5,936,900
2026-06-04 $30.65 3,008,900
2026-06-03 $30.43 1,754,400
2026-06-02 $31.02 2,027,300
2026-06-01 $30.84 2,704,900
2026-05-29 $30.94 2,150,000
2026-05-28 $30.84 2,687,900
2026-05-27 $31.09 1,735,900
2026-05-26 $31.32 1,933,200
About ING Groep N.V.

ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. It accepts current and savings accounts; and time deposits. The company also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, it provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. The company serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

Period:
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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Total Revenue $26,267,917,921 $25,867,642,702 $26,005,273,150 $21,666,473,276
Operating Revenue $26,267,917,921 $25,867,642,702 $26,005,273,150 $21,666,473,276
Expenses
Interest Expense $41,711,201,107 $50,329,160,993 $41,578,158,341 $16,875,786,766
Selling And Marketing Expense $508,085,737 $505,791,896 $423,213,628 $379,630,652
General And Administrative Expense $8,716,595,040 $8,239,476,154 $7,713,039,690 $7,856,404,740
Professional Expense And Contract Services Expense $504,644,976 $531,024,145 $484,000,409 $391,099,856
Other Non Interest Expense $3,921,320,848 $3,819,244,932 $3,826,126,454 $3,115,035,806
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $7,256,565,371 $7,331,115,197 $8,357,608,955 $4,213,785,550
Net Interest Income $16,837,938,392 $17,230,185,169 $18,323,200,310 $15,777,037,022
Interest Income $58,550,286,420 $67,559,346,162 $59,901,358,651 $32,653,970,708
Normalized Income $7,320,327,264 $7,446,741,977 $8,562,372,095 $4,766,494,870
Net Income From Continuing And Discontinued Operation $7,256,565,371 $7,331,115,197 $8,357,608,955 $4,213,785,550
Net Income Common Stockholders $7,256,565,371 $7,331,115,197 $8,357,608,955 $4,213,785,550
Net Income $7,256,565,371 $7,331,115,197 $8,357,608,955 $4,213,785,550
Net Income Including Noncontrolling Interests $7,571,968,481 $7,627,020,660 $8,625,988,328 $4,331,918,351
Net Income Continuous Operations $7,571,968,481 $7,627,020,660 $8,625,988,328 $4,331,918,351
Pretax Income $10,492,027,819 $10,666,359,720 $12,033,488,837 $6,310,356,041
Special Income Charges $-88,312,871 $-161,715,776 $-285,583,180 $-803,991,200
Depreciation Amortization Depletion Income Statement $781,052,792 $806,285,041 $815,460,404 $815,460,404
Depreciation And Amortization In Income Statement $781,052,792 $806,285,041 $815,460,404 $815,460,404
Amortization Of Intangibles Income Statement $263,791,692 $261,497,851 $250,028,647 $259,204,010
Depreciation Income Statement $517,261,100 $544,787,190 $565,431,757 $556,256,394
Per Share
Diluted EPS $2.43 $2.27 $2.34 $1.16
Basic EPS $2.43 $2.27 $2.35 $1.17
Other
Tax Effect Of Unusual Items $-24,550,978 $-46,088,996 $-80,820,040 $-252,428,800
Tax Rate For Calcs $0 $0 $0 $0
Total Unusual Items $-88,312,871 $-161,715,776 $-285,583,180 $-805,138,121
Total Unusual Items Excluding Goodwill $-88,312,871 $-161,715,776 $-285,583,180 $-805,138,121
Reconciled Depreciation $762,702,066 $771,877,429 $773,024,350 $815,460,404
Diluted Average Shares $3,428,947,920 $3,703,061,895 $4,089,115,302 $4,156,783,606
Basic Average Shares $3,428,947,920 $3,703,061,895 $4,086,362,693 $4,150,819,620
Diluted NI Availto Com Stockholders $7,256,565,371 $7,331,115,197 $8,357,608,955 $4,213,785,550
Minority Interests $-315,403,110 $-295,905,463 $-269,526,294 $-116,985,881
Tax Provision $2,918,912,418 $3,039,339,060 $3,406,353,588 $1,978,437,690
Other Special Charges $77,990,587 $121,573,562 $279,848,578 $381,924,493
Write Off $10,322,284 $40,142,214 $5,734,602 $220,208,717
Gain On Sale Of Security $-4,364,032,122 $2,379,859,830 $602,133,210 $1,684,826,068
Amortization $263,791,692 $261,497,851 $250,028,647 $259,204,010
Salaries And Wages $8,716,595,040 $8,239,476,154 $7,713,039,690 $7,055,854,301
Gain On Sale Of Business - $0 $0 $83,725,189
Impairment Of Capital Assets - $34,407,612 $43,582,975 $90,606,712
Restructuring And Mergern Acquisition - $162,862,697 $198,417,229 $194,976,468
Selling General And Administration - $8,745,268,050 $8,136,253,318 -
Other Gand A - $317,696,951 $331,459,996 $313,109,269
Insurance And Claims - $263,791,692 $367,014,528 $487,441,170
Fetched: 2026-06-21
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $55,265,506,394 $56,176,161,192 $57,391,896,816 $55,976,597,042
Fixed Assets Revaluation Reserve $178,919,582 $184,654,184 $204,151,831 $201,857,990
Total Assets $1,209,318,604,362 $1,170,483,879,618 $1,118,916,044,593 $1,110,009,060,767
Goodwill And Other Intangible Assets $1,734,143,645 $1,528,844,893 $1,374,010,639 $1,262,759,360
Other Intangible Assets $1,187,062,614 $982,910,783 $836,104,972 $730,588,295
Prepaid Assets $950,797,012 $473,678,125 $502,351,135 $419,772,866
Receivables $1,075,811,335 $1,128,569,674 $956,531,614 $1,032,228,360
Cash And Cash Equivalents $60,659,473,036 $80,689,290,901 $103,468,276,966 $100,486,283,926
Cash Financial $2,013,992,222 $1,886,684,058 $1,820,162,675 $1,927,973,192
Cash Cash Equivalents And Federal Funds Sold $68,499,820,890 $93,049,652,052 $109,490,755,986 $122,730,805,084
Other Receivables - - - $1,032,228,360
Debt
Net Debt $143,686,187,712 $114,529,177,303 $67,237,061,530 $35,220,778,564
Total Debt $205,549,927,168 $196,498,431,371 $172,038,060,000 $137,053,547,039
Long Term Debt And Capital Lease Obligation $205,549,927,168 $196,498,431,371 $172,038,060,000 $137,053,547,039
Long Term Debt $204,345,660,748 $195,218,468,204 $170,705,338,495 $135,707,062,489
Liabilities
Minimum Pension Liabilities $-395,687,538 $-381,924,493 $-363,573,767 $-266,085,533
Total Liabilities Net Minority Interest $1,150,879,569,221 $1,111,637,687,735 $1,059,067,444,280 $1,052,191,656,482
Derivative Product Liabilities $25,254,040,288 $32,419,998,947 $28,842,754,219 $38,900,099,207
Non Current Deferred Liabilities $435,829,752 $345,223,040 $227,090,239 $329,166,155
Non Current Deferred Taxes Liabilities $418,625,946 $329,166,155 $211,033,354 $294,758,543
Payables And Accrued Expenses $3,749,282,788 $3,370,799,056 $3,678,173,723 $3,103,566,602
Payables $3,749,282,788 $3,370,799,056 $3,678,173,723 $3,103,566,602
Other Payable $2,317,926,128 $2,023,167,586 $2,488,817,268 $2,312,191,526
Total Tax Payable $1,431,356,659 $1,347,631,470 $1,189,356,455 $791,375,076
Income Tax Payable $1,431,356,659 $1,347,631,470 $1,189,356,455 $791,375,076
Equity
Common Stock Equity $56,999,650,039 $57,705,006,085 $58,765,907,455 $57,239,356,403
Total Equity Gross Minority Interest $58,439,035,141 $58,846,191,883 $59,848,600,313 $57,817,404,284
Stockholders Equity $56,999,650,039 $57,705,006,085 $58,765,907,455 $57,239,356,403
Gains Losses Not Affecting Retained Earnings $-773,024,350 $89,459,791 $-884,275,628 $-1,129,716,594
Other Equity Adjustments $1,016,171,474 $1,031,081,440 $1,169,858,808 $708,796,807
Retained Earnings $40,864,773,852 $38,826,696,301 $42,266,310,581 $40,077,986,458
Long Term Equity Investment $1,843,101,083 $1,925,679,352 $1,730,702,884 $1,720,380,600
Other
Treasury Shares Number $136,603,954 $58,626,717 $177,281,184 $123,179,251
Ordinary Shares Number $3,328,864,994 $3,551,180,426 $3,834,869,416 $4,150,871,084
Share Issued $3,465,468,948 $3,609,807,143 $4,012,150,600 $4,274,050,335
Tangible Book Value $55,265,506,394 $56,176,161,192 $57,391,896,816 $55,976,597,042
Invested Capital $261,345,310,787 $252,923,474,290 $229,471,245,950 $192,946,418,892
Capital Lease Obligations $1,204,266,420 $1,279,963,166 $1,332,721,505 $1,346,484,550
Total Capitalization $261,345,310,787 $252,923,474,290 $229,471,245,950 $192,946,418,892
Minority Interest $1,439,385,102 $1,141,185,798 $1,082,692,858 $578,047,882
Foreign Currency Translation Adjustments $-3,181,557,190 $-2,277,783,914 $-2,898,267,851 $-2,746,874,358
Unrealized Gain Loss $1,609,129,321 $1,533,432,575 $1,003,555,350 $972,588,499
Treasury Stock $2,757,196,642 $877,394,106 $2,286,959,278 $1,382,039,082
Additional Paid In Capital $19,630,689,566 $19,630,689,566 $19,630,689,566 $19,630,689,566
Capital Stock $34,407,612 $35,554,532 $40,142,214 $42,436,055
Common Stock $34,407,612 $35,554,532 $40,142,214 $42,436,055
Employee Benefits $1,125,128,912 $1,117,100,470 $1,047,138,325 $922,124,002
Non Current Pension And Other Postretirement Benefit Plans $209,886,433 $217,914,876 $222,502,558 $192,682,627
Non Current Deferred Revenue $17,203,806 $16,056,886 $16,056,886 $34,407,612
Long Term Capital Lease Obligation $1,204,266,420 $1,279,963,166 $1,332,721,505 $1,346,484,550
Long Term Provisions $1,079,252,096 $887,716,390 $1,055,166,768 $1,206,560,261
Defined Pension Benefit $605,573,971 $651,450,787 $635,393,902 $707,649,887
Investments And Advances $162,517,473,760 $152,844,347,106 $135,164,569,140 $118,166,061,892
Available For Sale Securities $65,691,012,830 $64,236,717,763 $61,768,545,062 $62,645,939,168
Trading Securities $33,710,284,397 $35,321,707,559 $25,598,116,408 $18,265,854,290
Goodwill $547,081,031 $545,934,110 $537,905,668 $532,171,066
Net PPE $2,842,068,751 $2,791,604,254 $2,751,462,040 $2,805,367,298
Accumulated Depreciation $-4,411,055,858 $-4,482,164,923 $-4,329,624,510 $-4,666,819,108
Gross PPE $7,254,271,530 $7,273,769,177 $7,081,086,550 $7,472,186,406
Other Properties $6,114,232,652 $6,274,801,508 $6,217,455,488 $6,500,744,827
Properties $1,140,038,878 $998,967,668 $863,631,061 $971,441,579
Other Short Term Investments $61,273,075,450 $51,360,242,432 $46,067,204,786 $35,533,887,833
Fetched: 2026-06-21
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $-7,719,921,212 $-26,236,951,070 $-13,288,219,754 $-13,009,518,097
Operating Activities
Operating Cash Flow $-7,317,352,152 $-25,856,173,498 $-13,006,077,336 $-12,744,579,485
Cash Flow From Continuing Operating Activities $-7,316,205,232 $-25,857,320,418 $-13,004,930,416 $-12,745,726,405
Operating Gains Losses $-489,735,011 $1,300,607,734 $512,673,419 -
Investing Activities
Capital Expenditure $-402,569,060 $-380,777,573 $-282,142,418 $-264,938,612
Investing Cash Flow $-18,003,209,519 $-6,919,370,773 $-9,800,434,818 $-6,086,706,563
Cash Flow From Continuing Investing Activities $-18,002,062,598 $-6,919,370,773 $-9,801,581,738 $-6,086,706,563
Net Other Investing Changes $-1,146,920 - $1,146,920 -
Financing Activities
Financing Cash Flow $9,456,358,698 $6,163,550,230 $21,107,923,042 $5,332,032,940
Cash Flow From Continuing Financing Activities $9,455,211,778 $6,162,403,309 $21,107,923,042 $5,333,179,860
Net Other Financing Charges $1,146,920 $1,146,920 - $-1,146,920
Cash Dividends Paid $-4,454,638,834 $-4,448,904,232 $-3,402,912,827 $-3,547,424,797
Common Stock Dividend Paid $-4,454,638,834 $-4,448,904,232 $-3,402,912,827 $-3,547,424,797
Net Common Stock Issuance $-4,249,340,082 $-4,377,795,167 $-4,049,775,932 $-1,969,262,327
Other
Repayment Of Debt $-158,630,560,524 $-133,312,292,694 $-107,534,109,784 $-96,605,105,292
Issuance Of Debt $176,789,751,217 $148,301,395,402 $136,094,721,584 $107,454,972,276
Interest Paid Supplemental Data $43,199,903,786 $47,242,798,196 $38,690,212,774 $16,278,241,237
End Cash Position $62,103,445,819 $79,216,645,108 $106,677,360,245 $109,405,883,876
Beginning Cash Position $79,216,645,108 $106,677,360,245 $109,405,883,876 $123,483,184,866
Effect Of Exchange Rate Changes $-1,248,996,316 $-848,721,096 $-1,029,934,519 $-578,047,882
Changes In Cash $-15,864,202,973 $-26,611,994,041 $-1,698,589,112 $-13,499,253,108
Net Issuance Payments Of Debt $18,159,190,693 $14,989,102,708 $28,560,611,801 $10,849,866,984
Net Long Term Debt Issuance $18,159,190,693 $14,989,102,708 $28,560,611,801 $10,849,866,984
Long Term Debt Payments $-158,630,560,524 $-133,312,292,694 $-107,534,109,784 $-96,605,105,292
Long Term Debt Issuance $176,789,751,217 $148,301,395,402 $136,094,721,584 $107,454,972,276
Net Investment Purchase And Sale $-17,644,223,434 $-6,595,939,220 $-9,584,813,783 $-5,924,990,786
Sale Of Investment $207,910,289,351 $144,283,733,240 $70,669,794,287 $44,198,871,455
Purchase Of Investment $-225,554,512,784 $-150,879,672,461 $-80,254,608,070 $-50,123,862,241
Net PPE Purchase And Sale $-357,839,165 $-323,431,553 $-216,767,956 $-169,744,219
Sale Of PPE $44,729,896 $57,346,020 $65,374,463 $95,194,393
Purchase Of PPE $-402,569,060 $-380,777,573 $-282,142,418 $-264,938,612
Taxes Refund Paid $-2,713,613,666 $-3,158,618,782 $-3,096,685,080 $-1,690,560,670
Change In Working Capital $-20,805,136,056 $-35,911,224,644 $-20,572,311,215 $-26,650,989,335
Change In Other Working Capital $50,269,521,132 $20,762,700,001 $-30,048,167,560 $5,096,914,258
Change In Other Current Liabilities $13,222,845,292 $-9,007,912,822 $7,799,058,720 $5,065,947,407
Change In Other Current Assets $-21,421,032,311 $661,773,071 $-6,210,573,966 $-7,987,153,666
Other Non Cash Items $3,940,818,494 $-894,597,912 $-3,252,666,254 $6,336,735,210
Depreciation Amortization Depletion $762,702,066 $771,877,429 $773,024,350 $815,460,404
Depreciation And Amortization $762,702,066 $771,877,429 $773,024,350 $815,460,404
Net Foreign Currency Exchange Gain Loss $-489,735,011 $1,300,607,734 $512,673,419 -
Net Income From Continuing Operations $10,492,027,819 $10,666,359,720 $12,033,488,837 $6,310,356,041
Net Business Purchase And Sale - $0 $0 $8,028,443
Sale Of Business - $0 $0 $8,028,443
Fetched: 2026-06-21