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INGVF

ING Groep N.V.

Price Chart
Latest Quote

$31.03

+0.00 (+0.00%)
Current Price
Previous Close $31.03
Open $31.34
Day High $31.34
Day Low $31.34
Volume 500
Fetched: 2026-06-25T16:06:25
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 $88.79B
P/E Ratio 12.41
EPS (TTM) $2.50
Exchange PNK
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📊 Comprehensive Analysis
Company Data
Enterprise Value$214.22B
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
Insider Ownership0.38%
Institutional Ownership52.14%
Insider & Institutional transactions data not available
Valuation Ratios
PEG2.04
P/S3.61
P/B1.52
Analyst Data
Recommendationnone
Technical Indicators
SMA20$30.91
SMA50$29.71
SMA200$26.76
RSI38.41
ATR0.4443
Shares Float2.88B
Volatility0.90
Performance History
Week+0.75%
Month-0.99%
Quarter+31.42%
6 Months+19.58%
YTD+11.03%
Year+60.79%
3 Years+191.64%
5 Years+228.42%
10 Years+456.62%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-06-24 $31.03 0
2026-06-23 $31.03 0
2026-06-22 $31.03 0
2026-06-18 $31.03 0
2026-06-17 $31.03 6,600
2026-06-16 $30.80 0
2026-06-15 $30.80 800
2026-06-12 $29.10 0
2026-06-11 $29.10 0
2026-06-10 $29.10 4,900
2026-06-09 $29.60 1,200
2026-06-08 $29.26 5,200
2026-06-05 $32.40 0
2026-06-04 $32.40 0
2026-06-03 $32.40 0
2026-06-02 $32.40 0
2026-06-01 $32.40 0
2026-05-29 $32.40 200
2026-05-28 $30.46 0
2026-05-27 $30.46 0
2026-05-26 $30.46 3,500
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 $23,035,000,000 $22,527,000,000 $22,649,000,000 $18,891,000,000
Operating Revenue $23,035,000,000 $22,527,000,000 $22,649,000,000 $18,891,000,000
Expenses
Other Non Interest Expense $12,583,000,000 $2,778,000,000 $2,641,000,000 $2,716,000,000
Interest Expense - $43,882,000,000 $36,252,000,000 $14,714,000,000
Selling And Marketing Expense - $441,000,000 $369,000,000 $331,000,000
General And Administrative Expense - $7,691,000,000 $7,334,000,000 $6,850,000,000
Professional Expense And Contract Services Expense - $364,000,000 $335,000,000 $341,000,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $6,327,000,000 $6,392,000,000 $7,287,000,000 $3,674,000,000
Net Interest Income $14,681,000,000 $15,023,000,000 $15,976,000,000 $13,756,000,000
Interest Income $14,681,000,000 $58,905,000,000 $52,228,000,000 $28,471,000,000
Normalized Income $6,327,000,000 $6,653,690,000 $7,616,103,000 $4,155,907,306
Net Income From Continuing And Discontinued Operation $6,327,000,000 $6,392,000,000 $7,287,000,000 $3,674,000,000
Net Income Common Stockholders $6,327,000,000 $6,392,000,000 $7,287,000,000 $3,674,000,000
Net Income $6,327,000,000 $6,392,000,000 $7,287,000,000 $3,674,000,000
Net Income Including Noncontrolling Interests $6,603,000,000 $6,650,000,000 $7,521,000,000 $3,777,000,000
Net Income Continuous Operations $6,603,000,000 $6,650,000,000 $7,521,000,000 $3,777,000,000
Pretax Income $9,148,000,000 $9,300,000,000 $10,492,000,000 $5,502,000,000
Special Income Charges - $-366,000,000 $-459,000,000 $-701,000,000
Depreciation Amortization Depletion Income Statement - $673,000,000 $674,000,000 $711,000,000
Depreciation And Amortization In Income Statement - $673,000,000 $674,000,000 $711,000,000
Amortization Of Intangibles Income Statement - $216,000,000 $213,000,000 $226,000,000
Depreciation Income Statement - $457,000,000 $461,000,000 $485,000,000
Per Share
Diluted EPS - $1.98 $2.04 $1.01
Basic EPS - $1.98 $2.05 $1.02
Other
Tax Effect Of Unusual Items $0 $-104,310,000 $-129,897,000 $-220,092,694
Tax Rate For Calcs $0 $0 $0 $0
Diluted NI Availto Com Stockholders $6,327,000,000 $6,392,000,000 $7,287,000,000 $3,674,000,000
Minority Interests $-275,000,000 $-258,000,000 $-235,000,000 $-102,000,000
Tax Provision $2,545,000,000 $2,650,000,000 $2,970,000,000 $1,725,000,000
Gain On Sale Of Security $129,000,000 $2,075,000,000 $525,000,000 $1,469,000,000
Total Unusual Items - $-366,000,000 $-459,000,000 $-702,000,000
Total Unusual Items Excluding Goodwill - $-366,000,000 $-459,000,000 $-702,000,000
Reconciled Depreciation - $673,000,000 $674,000,000 $711,000,000
Diluted Average Shares - $3,228,700,000 $3,565,300,000 $3,624,300,000
Basic Average Shares - $3,228,700,000 $3,562,900,000 $3,619,100,000
Gain On Sale Of Business - $0 $0 $73,000,000
Other Special Charges - $159,000,000 $244,000,000 $333,000,000
Write Off - $35,000,000 $5,000,000 $192,000,000
Impairment Of Capital Assets - $30,000,000 $37,000,000 $79,000,000
Restructuring And Mergern Acquisition - $142,000,000 $173,000,000 $170,000,000
Amortization - $216,000,000 $213,000,000 $226,000,000
Selling General And Administration - $8,132,000,000 $7,703,000,000 $7,181,000,000
Other Gand A - $277,000,000 $289,000,000 $273,000,000
Insurance And Claims - $230,000,000 $320,000,000 $425,000,000
Salaries And Wages - $7,184,000,000 $6,725,000,000 $6,152,000,000
Fetched: 2026-02-02
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $48,188,000,000 $48,980,000,000 $50,040,000,000 $48,806,000,000
Total Assets $1,054,405,000,000 $1,020,545,000,000 $975,583,000,000 $967,817,000,000
Goodwill And Other Intangible Assets $1,510,000,000 $1,333,000,000 $1,198,000,000 $1,101,000,000
Cash And Cash Equivalents $52,889,000,000 $69,956,000,000 $89,892,000,000 $87,250,000,000
Cash Cash Equivalents And Federal Funds Sold $52,889,000,000 $80,733,000,000 $95,143,000,000 $106,645,000,000
Fixed Assets Revaluation Reserve - $161,000,000 $178,000,000 $176,000,000
Other Intangible Assets - $857,000,000 $729,000,000 $637,000,000
Prepaid Assets - $413,000,000 $438,000,000 $366,000,000
Receivables - $984,000,000 $834,000,000 $900,000,000
Other Receivables - $984,000,000 $834,000,000 $900,000,000
Cash Financial - $1,645,000,000 $1,587,000,000 $1,681,000,000
Debt
Net Debt $116,442,000,000 $100,255,000,000 $58,946,000,000 $31,073,000,000
Total Debt $169,331,000,000 $171,327,000,000 $150,000,000,000 $119,497,000,000
Long Term Debt And Capital Lease Obligation $169,331,000,000 $171,327,000,000 $150,000,000,000 $119,497,000,000
Long Term Debt $169,331,000,000 $170,211,000,000 $148,838,000,000 $118,323,000,000
Liabilities
Total Liabilities Net Minority Interest $1,003,452,000,000 $969,237,000,000 $923,401,000,000 $917,406,000,000
Derivative Product Liabilities $1,338,000,000 $28,267,000,000 $25,148,000,000 $33,917,000,000
Minimum Pension Liabilities - $-333,000,000 $-317,000,000 $-232,000,000
Non Current Deferred Liabilities - $301,000,000 $198,000,000 $287,000,000
Non Current Deferred Taxes Liabilities - $287,000,000 $184,000,000 $257,000,000
Payables And Accrued Expenses - $2,939,000,000 $3,207,000,000 $2,706,000,000
Payables - $2,939,000,000 $3,207,000,000 $2,706,000,000
Other Payable - $1,764,000,000 $2,170,000,000 $2,016,000,000
Total Tax Payable - $1,175,000,000 $1,037,000,000 $690,000,000
Income Tax Payable - $1,175,000,000 $1,037,000,000 $690,000,000
Equity
Common Stock Equity $49,698,000,000 $50,313,000,000 $51,238,000,000 $49,907,000,000
Total Equity Gross Minority Interest $50,953,000,000 $51,308,000,000 $52,182,000,000 $50,411,000,000
Stockholders Equity $49,698,000,000 $50,313,000,000 $51,238,000,000 $49,907,000,000
Long Term Equity Investment $1,607,000,000 $1,679,000,000 $1,509,000,000 $1,500,000,000
Gains Losses Not Affecting Retained Earnings - $78,000,000 $-771,000,000 $-985,000,000
Other Equity Adjustments - $899,000,000 $1,020,000,000 $618,000,000
Retained Earnings - $33,853,000,000 $36,852,000,000 $34,944,000,000
Other
Treasury Shares Number $119,100,000 $51,116,640 $154,571,480 $107,400,000
Ordinary Shares Number $2,902,400,000 $3,096,274,533 $3,343,622,989 $3,619,144,872
Share Issued $3,021,500,000 $3,147,391,173 $3,498,194,469 $3,726,544,872
Tangible Book Value $48,188,000,000 $48,980,000,000 $50,040,000,000 $48,806,000,000
Invested Capital $219,029,000,000 $220,524,000,000 $200,076,000,000 $168,230,000,000
Total Capitalization $219,029,000,000 $220,524,000,000 $200,076,000,000 $168,230,000,000
Minority Interest $1,255,000,000 $995,000,000 $944,000,000 $504,000,000
Investments And Advances $240,398,000,000 $133,265,000,000 $117,850,000,000 $103,029,000,000
Available For Sale Securities $129,637,000,000 $56,008,000,000 $53,856,000,000 $54,621,000,000
Trading Securities $55,730,000,000 $30,797,000,000 $22,319,000,000 $15,926,000,000
Net PPE $2,478,000,000 $2,434,000,000 $2,399,000,000 $2,446,000,000
Other Short Term Investments $53,424,000,000 $44,781,000,000 $40,166,000,000 $30,982,000,000
Capital Lease Obligations - $1,116,000,000 $1,162,000,000 $1,174,000,000
Foreign Currency Translation Adjustments - $-1,986,000,000 $-2,527,000,000 $-2,395,000,000
Unrealized Gain Loss - $1,337,000,000 $875,000,000 $848,000,000
Treasury Stock - $765,000,000 $1,994,000,000 $1,205,000,000
Additional Paid In Capital - $17,116,000,000 $17,116,000,000 $17,116,000,000
Capital Stock - $31,000,000 $35,000,000 $37,000,000
Common Stock - $31,000,000 $35,000,000 $37,000,000
Employee Benefits - $974,000,000 $913,000,000 $804,000,000
Non Current Pension And Other Postretirement Benefit Plans - $190,000,000 $194,000,000 $168,000,000
Non Current Deferred Revenue - $14,000,000 $14,000,000 $30,000,000
Long Term Capital Lease Obligation - $1,116,000,000 $1,162,000,000 $1,174,000,000
Long Term Provisions - $774,000,000 $920,000,000 $1,052,000,000
Defined Pension Benefit - $568,000,000 $554,000,000 $617,000,000
Goodwill - $476,000,000 $469,000,000 $464,000,000
Accumulated Depreciation - $-3,908,000,000 $-3,775,000,000 $-4,069,000,000
Gross PPE - $6,342,000,000 $6,174,000,000 $6,515,000,000
Other Properties - $5,471,000,000 $5,421,000,000 $5,668,000,000
Properties - $871,000,000 $753,000,000 $847,000,000
Fetched: 2026-02-02
Cash Flow Statement (Annual)
Metric 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Free Cash Flow
Free Cash Flow $-22,876,000,000 $-11,586,000,000 $-11,343,000,000 $-15,127,000,000
Operating Activities
Operating Cash Flow $-22,544,000,000 $-11,340,000,000 $-11,112,000,000 $-14,943,000,000
Cash Flow From Continuing Operating Activities $-22,545,000,000 $-11,339,000,000 $-11,113,000,000 $-14,945,000,000
Investing Activities
Capital Expenditure $-332,000,000 $-246,000,000 $-231,000,000 $-184,000,000
Investing Cash Flow $-6,033,000,000 $-8,545,000,000 $-5,307,000,000 $6,220,000,000
Cash Flow From Continuing Investing Activities $-6,033,000,000 $-8,546,000,000 $-5,307,000,000 $6,221,000,000
Net Other Investing Changes - $1,000,000 - $-1,000,000
Financing Activities
Financing Cash Flow $5,374,000,000 $18,404,000,000 $4,649,000,000 $5,387,000,000
Cash Flow From Continuing Financing Activities $5,373,000,000 $18,404,000,000 $4,650,000,000 $5,387,000,000
Net Other Financing Charges $1,000,000 - $-1,000,000 $1,000,000
Cash Dividends Paid $-3,879,000,000 $-2,967,000,000 $-3,093,000,000 $-2,382,000,000
Common Stock Dividend Paid $-3,879,000,000 $-2,967,000,000 $-3,093,000,000 $-2,382,000,000
Net Common Stock Issuance $-3,817,000,000 $-3,531,000,000 $-1,717,000,000 $-1,608,000,000
Other
Repayment Of Debt $-116,235,000,000 $-93,759,000,000 $-84,230,000,000 $-78,900,000,000
Issuance Of Debt $129,304,000,000 $118,661,000,000 $93,690,000,000 $88,276,000,000
Interest Paid Supplemental Data $41,191,000,000 $33,734,000,000 $14,193,000,000 $8,705,000,000
End Cash Position $69,069,000,000 $93,012,000,000 $95,391,000,000 $107,665,000,000
Beginning Cash Position $93,012,000,000 $95,391,000,000 $107,665,000,000 $111,566,000,000
Effect Of Exchange Rate Changes $-740,000,000 $-898,000,000 $-504,000,000 $-565,000,000
Changes In Cash $-23,203,000,000 $-1,481,000,000 $-11,770,000,000 $-3,336,000,000
Net Issuance Payments Of Debt $13,069,000,000 $24,902,000,000 $9,460,000,000 $9,376,000,000
Net Long Term Debt Issuance $13,069,000,000 $24,902,000,000 $9,460,000,000 $9,376,000,000
Long Term Debt Payments $-116,235,000,000 $-93,759,000,000 $-84,230,000,000 $-78,900,000,000
Long Term Debt Issuance $129,304,000,000 $118,661,000,000 $93,690,000,000 $88,276,000,000
Net Investment Purchase And Sale $-5,751,000,000 $-8,357,000,000 $-5,166,000,000 $6,339,000,000
Sale Of Investment $125,801,000,000 $61,617,000,000 $38,537,000,000 $64,740,000,000
Purchase Of Investment $-131,552,000,000 $-69,974,000,000 $-43,703,000,000 $-58,401,000,000
Net Business Purchase And Sale $0 $0 $7,000,000 $27,000,000
Sale Of Business $0 $0 $7,000,000 $27,000,000
Net PPE Purchase And Sale $-282,000,000 $-189,000,000 $-148,000,000 $-145,000,000
Sale Of PPE $50,000,000 $57,000,000 $83,000,000 $39,000,000
Purchase Of PPE $-332,000,000 $-246,000,000 $-231,000,000 $-184,000,000
Taxes Refund Paid $-2,754,000,000 $-2,700,000,000 $-1,474,000,000 $-1,873,000,000
Change In Working Capital $-31,311,000,000 $-17,937,000,000 $-23,237,000,000 $-21,617,000,000
Change In Other Working Capital $18,049,000,000 $-23,790,000,000 $4,444,000,000 $12,852,000,000
Change In Other Current Liabilities $-7,800,000,000 $4,391,000,000 $4,417,000,000 $-6,501,000,000
Change In Other Current Assets $577,000,000 $-5,415,000,000 $-6,964,000,000 $-370,000,000
Other Non Cash Items $354,000,000 $-2,389,000,000 $5,525,000,000 $415,000,000
Depreciation Amortization Depletion $673,000,000 $674,000,000 $711,000,000 $834,000,000
Depreciation And Amortization $673,000,000 $674,000,000 $711,000,000 $834,000,000
Net Income From Continuing Operations $9,300,000,000 $10,492,000,000 $5,502,000,000 $6,782,000,000
Fetched: 2026-02-02