ING Groep Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 14, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	88,206	69,684	46,932	45,538	40,803	46,613
Market Cap Growth	41.05%	48.48%	3.06%	11.60%	-12.46%	56.41%
Last Close Price	30.89	22.84	13.42	11.16	8.78	8.63
PE Ratio	10.34	8.37	8.80	11.00	3.37	7.83
PS Ratio	3.50	2.85	2.34	2.58	1.39	2.39
PB Ratio	1.72	1.26	0.87	0.82	0.72	0.88
P/FCF Ratio	-	-	-	3.89	-	-
P/OCF Ratio	-	-	-	3.81	-	-
Debt / Equity Ratio	5.10	4.47	4.43	3.97	3.45	3.24
Debt / FCF Ratio	-	-	-	18.87	-	-
Net Debt / Equity Ratio	0.28	1.88	1.79	1.68	1.27	1.25
Net Debt / FCF Ratio	-0.35	-2.36	-1.71	7.98	-7.67	-1.95
Return on Equity (ROE)	17.12%	15.77%	10.23%	7.77%	22.27%	11.21%
Return on Assets (ROA)	0.80%	0.83%	0.56%	0.45%	1.27%	0.64%
Earnings Yield	9.86%	11.95%	11.37%	9.09%	29.72%	12.77%
FCF Yield	-45.48%	-63.19%	-119.64%	25.70%	-23.10%	-72.73%
Dividend Yield	4.24%	4.75%	7.90%	9.91%	6.37%	10.32%
Payout Ratio	44.27%	46.66%	72.72%	71.67%	25.51%	39.36%
Buyback Yield / Dilution	6.28%	7.40%	9.44%	1.63%	6.85%	0.27%
Total Shareholder Return	10.53%	12.16%	17.34%	11.54%	13.21%	10.59%