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 Cash Flow Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Quarter | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 | Q1 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 | Mar '21 Mar 31, 2021 |
Net Income | 3,031 | 3,031 | 1,682 | 1,682 | 1,496 | 1,496 | 1,777 | 1,777 | -484.5 | -484.5 | 2,153 | 2,153 | 7,212 | 7,212 | 730.5 | 730.5 | 2,046 | 2,046 | 1,211 | 1,211 |
Depreciation & Amortization | 167.5 | 167.5 | 165 | 165 | 171 | 171 | 165.5 | 165.5 | 173 | 173 | 164 | 164 | 177 | 177 | 178.5 | 178.5 | 208 | 208 | 209 | 209 |
Provision for Credit Losses | 346 | 346 | 306 | 306 | 317.5 | 317.5 | 279.5 | 279.5 | 135 | 135 | 125 | 125 | 336 | 336 | 594.5 | 594.5 | 192.5 | 192.5 | 65.5 | 65.5 |
Other Adjustments | 604.5 | 604.5 | -421 | -421 | -1,469 | -1,469 | 1,646 | 1,646 | 1,461 | 1,461 | -334.5 | -334.5 | - | - | 2,649 | 2,649 | -100.5 | -100.5 | 166 | 166 |
Changes in Trading Assets | 4,485 | 4,485 | 4,121 | 4,121 | 156 | 156 | -6,488 | -6,488 | 1,298 | 1,298 | -2,978 | -2,978 | - | - | 4,398 | 4,398 | - | - | -2,580 | -2,580 |
Changes in Trading Liabilities | -1,481 | -1,481 | -4,434 | -4,434 | 760.5 | 760.5 | -1,743 | -1,743 | -1,428 | -1,428 | 493.5 | 493.5 | - | - | - | - | - | - | - | - |
Changes in Other Operating Activities | -15,588 | -15,588 | 3,827 | 3,827 | -15,679 | -15,679 | 7,337 | 7,337 | -8,977 | -8,977 | 2,622 | 2,622 | -17,705 | -17,705 | 2,843 | 2,843 | -8,018 | -8,018 | -668 | -668 |
Operating Cash Flow | -8,436 | -8,436 | 5,246 | 5,246 | -14,246 | -14,246 | 2,974 | 2,974 | -7,916 | -7,916 | 2,246 | 2,246 | -16,949 | -16,949 | 11,393 | 11,393 | -5,875 | -5,875 | -1,597 | -1,597 |
Operating Cash Flow Growth (YoY) | - | - | 76.38% | 76.38% | - | - | 32.44% | 32.44% | - | - | -80.29% | -80.29% | - | - | - | - | - | - | - | - |
Net Change in Securities and Investments | -3,269 | -3,269 | -4,327 | -4,327 | 399 | 399 | -3,143 | -3,143 | -1,283 | -1,283 | -2,830 | -2,830 | -1,596 | -1,596 | -922 | -922 | 1,538 | 1,538 | 1,693 | 1,693 |
Proceeds from Business Divestments | - | - | 0 | 0 | 0 | 0 | 0 | 0 | - | - | - | - | 3.5 | 3.5 | - | - | - | - | - | - |
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 |
Sale of Property, Plant & Equipment | 6.5 | 6.5 | 13 | 13 | 13 | 13 | 12 | 12 | 21.5 | 21.5 | 7 | 7 | 30 | 30 | 11.5 | 11.5 | 15 | 15 | 4.5 | 4.5 |
Other Investing Activities | -57 | -57 | -39 | -39 | -82.5 | -82.5 | -49 | -49 | -29.5 | -29.5 | -36 | -36 | -48 | -48 | -17 | -17 | -32.5 | -32.5 | -28.5 | -28.5 |
Investing Cash Flow | -3,434 | -3,434 | -4,415 | -4,415 | 249.5 | 249.5 | -3,266 | -3,266 | -1,370 | -1,370 | -2,903 | -2,903 | -1,672 | -1,672 | -981.5 | -981.5 | 1,484 | 1,484 | 1,627 | 1,627 |
Long-Term Debt Issued | 36,305 | 36,305 | 40,767 | 40,767 | 30,646 | 30,646 | 34,007 | 34,007 | 35,396 | 35,396 | 23,935 | 23,935 | 21,803 | 21,803 | 25,043 | 25,043 | 23,034 | 23,034 | 21,104 | 21,104 |
Long-Term Debt Repaid | -35,399 | -35,399 | -33,616 | -33,616 | -31,670 | -31,670 | -26,303 | -26,303 | -34,899 | -34,899 | -11,835 | -11,835 | -18,177 | -18,177 | -23,791 | -23,791 | -22,456 | -22,456 | -16,844 | -16,844 |
Net Long-Term Debt Issued (Repaid) | 906.5 | 906.5 | 7,151 | 7,151 | -1,024 | -1,024 | 7,704 | 7,704 | 496.5 | 496.5 | 12,100 | 12,100 | 3,626 | 3,626 | 1,252 | 1,252 | 578.5 | 578.5 | 4,260 | 4,260 |
Issuance of Common Stock | -829 | -829 | -1,024 | -1,024 | -1,122 | -1,122 | -786.5 | -786.5 | -1,672 | -1,672 | -93.5 | -93.5 | -676 | -676 | -182.5 | -182.5 | -802 | -802 | -2 | -2 |
Net Common Stock Issued (Repurchased) | -829 | -829 | -1,024 | -1,024 | -1,122 | -1,122 | -786.5 | -786.5 | -1,672 | -1,672 | -93.5 | -93.5 | -676 | -676 | -182.5 | -182.5 | -802 | -802 | -2 | -2 |
Common Dividends Paid | -1,041 | -1,041 | -2,843 | -2,843 | -1,129 | -1,129 | -2,750 | -2,750 | -1,262 | -1,262 | -1,705 | -1,705 | -633 | -633 | -2,460 | -2,460 | -1,910 | -1,910 | -472 | -472 |
Other Financing Activities | -69.5 | -69.5 | -71.5 | -71.5 | -77 | -77 | -68 | -68 | -97.5 | -97.5 | -48 | -48 | -81.5 | -81.5 | -66.5 | -66.5 | -79 | -79 | -71 | -71 |
Financing Cash Flow | -511.5 | -511.5 | 4,634 | 4,634 | -2,787 | -2,787 | 5,474 | 5,474 | -1,904 | -1,904 | 11,106 | 11,106 | 2,552 | 2,552 | -227 | -227 | -1,504 | -1,504 | 4,198 | 4,198 |
Foreign Exchange Rate Adjustments | -239.5 | -239.5 | -305 | -305 | 313 | 313 | -683 | -683 | 86.5 | 86.5 | -535.5 | -535.5 | -154.5 | -154.5 | -97.5 | -97.5 | -104 | -104 | -178.5 | -178.5 |
Net Cash Flow | -12,621 | -12,621 | 5,160 | 5,160 | -16,471 | -16,471 | 4,499 | 4,499 | -11,103 | -11,103 | 9,913 | 9,913 | -16,224 | -16,224 | 10,087 | 10,087 | -6,000 | -6,000 | 4,049 | 4,049 |
Free Cash Flow | -8,549 | -8,549 | 5,184 | 5,184 | -14,326 | -14,326 | 2,888 | 2,888 | -7,994 | -7,994 | 2,201 | 2,201 | -17,011 | -17,011 | 11,340 | 11,340 | -5,925 | -5,925 | -1,639 | -1,639 |
Free Cash Flow Growth (YoY) | - | - | 79.48% | 79.48% | - | - | 31.21% | 31.21% | - | - | -80.59% | -80.59% | - | - | - | - | - | - | - | - |
FCF Margin | -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% | -36.58% |
Free Cash Flow Per Share | -2.93 | -2.89 | 1.72 | 1.69 | -4.58 | -4.48 | 0.88 | 0.87 | -2.31 | -2.25 | 0.61 | 0.61 | -4.62 | -4.56 | 3.02 | 3.01 | -1.54 | -1.52 | -0.42 | -0.42 |