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ING Groep N.V. (ING)
NYSE: ING · Real-Time Price · USD
33.28
-0.21 (-0.63%)
At close: Jul 28, 2026, 4:00 PM EDT
33.46
+0.18 (0.54%)
After-hours: Jul 28, 2026, 7:34 PM EDT

ING Groep Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Revenue
5,4775,4325,5725,4035,3245,1085,5735,4165,3255,3225,6595,6615,4154,5994,0094,4803,6134,2784,6094,608
Revenue Growth
2.87%6.34%-0.02%-0.24%-0.02%-4.02%-1.52%-4.33%-1.66%15.72%41.16%26.36%49.88%7.50%-13.02%-2.78%-19.34%8.00%20.75%38.17%
Net Income
1,5561,4111,7871,6751,4551,1541,8801,7801,5781,5581,9822,1551,5911,0899791,1784299451,3671,459
Earnings Per Share
0.540.480.600.560.470.370.590.540.480.450.560.600.440.300.260.310.110.250.350.37
EPS Growth
14.89%29.73%1.70%3.70%-2.08%-17.78%5.36%-10.00%9.09%50.00%115.39%93.55%300.00%20.00%-25.71%-16.22%-57.69%31.58%75.00%362.50%

Revenue by Segment
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25
Retail Banking Belgium
588650649607615
Retail Banking Netherlands
1,2811,2681,2151,2121,167
Retail Banking Other
1,2051,1631,1321,1461,144
Retail Banking Germany
691781692657691
Wholesale Banking
1,6731,5591,6761,6051,620
Corporate Line
39-20817788
Segment Adjustment
-3,126-1,065-
Total
5,4778,5475,5726,4695,325

Cash & Debt
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Cash & Equivalents
68,58752,88982,87175,56594,09870,353100,11897,07398,11390,214116,725113,636118,00287,614135,089126,030131,374106,520127,781121,331
Total Debt
182,898169,331170,476167,582168,320160,245168,430157,108161,270140,071141,980135,890124,948111,704106,382108,596115,499108,499108,228106,631
Net Cash (Debt)
-182,898-169,331-170,476-167,582-168,320-160,245-168,430-157,108-161,270-140,071-141,980-135,890-124,948-111,704-106,382-108,596-115,499-108,499-108,228-106,631
Net Cash Growth
--------------------
Net Cash Per Share
-63.28-58.07-57.59-55.63-54.80-51.20-52.62-47.97-48.73-40.47-39.91-37.59-34.52-30.32-28.53-28.88-30.63-28.21-27.73-27.32

Cash Flow & CapEx
Chart
Fiscal QuarterQ4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021Q1 2021
Period EndingDec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21 Mar '21
Operating Cash Flow
-8,436-8,4365,2465,246-14,246-14,2462,9742,974-7,916-7,9162,2462,246-16,949-16,94911,39311,393-5,875-5,875-1,597-1,597
Capital Expenditures
-113.5-113.5-62-62-80-80-86-86-78.5-78.5-44.5-44.5-62-62-53.5-53.5-50-50-42-42
Free Cash Flow
-8,549-8,5495,1845,184-14,326-14,3262,8882,888-7,994-7,9942,2012,201-17,011-17,01111,34011,340-5,925-5,925-1,639-1,639
Free Cash Flow Growth
--79.48%79.48%--31.21%31.21%---80.59%-80.59%--------

Margins
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Pretax Margin
41.23%38.57%45.94%43.85%39.89%34.67%47.87%47.42%43.06%42.22%50.64%53.61%43.29%37.20%34.42%38.91%18.49%31.11%41.74%44.81%
Profit Margin
29.32%27.41%33.33%32.15%28.55%24.04%34.90%33.92%30.78%30.55%36.21%39.16%30.08%24.72%23.77%27.05%13.15%22.91%30.42%32.53%
FCF Margin
0.00%-157.38%-153.43%95.94%97.36%-280.46%-257.06%53.32%54.23%-150.21%-141.26%38.88%40.65%-369.88%-424.32%253.11%313.85%-138.50%-128.55%-35.56%

Dividends
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Dividend Per Share
-0.736-0.350-0.710-0.350-0.756-0.350-0.3890.1700.170-0.890--
Dividend Per Share Growth
-3.66%-0%--6.08%-0%-94.34%-105.88%--56.29%------
Dividend Yield
0.00%1.50%1.58%5.09%5.11%2.40%2.16%5.25%5.44%2.68%2.85%3.82%4.31%1.51%1.96%6.91%6.93%4.06%3.91%1.08%

Valuation
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
PE Ratio
10.3211.2611.119.329.197.617.927.887.316.666.557.718.3411.239.329.288.728.0010.7010.95
P/FCF Ratio
---------------3.27--18.532.14
PS Ratio
2.963.193.052.582.582.182.382.382.302.062.042.262.142.461.972.092.072.362.772.58