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	Feb '26 Feb 27, 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	69,024	69,684	46,932	45,542	40,803	46,613
Market Cap Growth	36.76%	48.48%	3.05%	11.61%	-12.46%	56.41%
Last Close Price	23.89	23.91	13.96	11.66	9.22	9.04
PE Ratio	8.29	8.37	8.80	11.00	3.37	7.83
PS Ratio	2.82	2.85	2.34	2.58	1.39	2.39
PB Ratio	1.25	1.26	0.87	0.82	0.72	0.88
P/FCF Ratio	-	-	-	3.89	-	-
P/OCF Ratio	-	-	-	3.81	-	-
Debt / Equity Ratio	4.47	4.47	4.43	3.97	3.45	3.24
Debt / FCF Ratio	-	-	-	18.87	-	-
Net Debt / Equity Ratio	1.88	1.88	1.79	1.68	1.27	1.25
Net Debt / FCF Ratio	-2.36	-2.36	-1.71	7.98	-7.67	-1.95
Return on Equity (ROE)	15.77%	15.77%	10.23%	7.77%	22.27%	11.21%
Return on Assets (ROA)	0.83%	0.83%	0.56%	0.45%	1.27%	0.64%
Earnings Yield	12.06%	11.95%	11.37%	9.09%	29.72%	12.77%
FCF Yield	-63.80%	-63.19%	-119.64%	25.70%	-23.10%	-72.73%
Dividend Yield	5.11%	4.54%	7.60%	9.48%	6.06%	9.84%
Payout Ratio	46.66%	46.66%	72.72%	71.67%	25.51%	39.36%
Buyback Yield / Dilution	7.40%	7.40%	9.44%	1.63%	6.85%	0.27%
Total Shareholder Return	12.51%	11.94%	17.04%	11.11%	12.91%	10.11%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.