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 Income Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Quarter | Q1 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 |
Net Interest Income | 4,055 | 3,818 | 3,705 | 3,536 | 3,622 | 3,680 | 3,689 | 3,830 | 3,825 | 3,875 | - | - | - | - | - | - | - | - | 3,388 | 3,340 |
Net Interest Income Growth (YoY) | 11.96% | 3.75% | 0.43% | -7.68% | -5.31% | -5.03% | - | - | - | - | - | - | - | - | - | - | - | - | 1.77% | -2.62% |
Non-Interest Income | 1,769 | 1,980 | 2,193 | 2,166 | 2,014 | 1,727 | 2,221 | 1,886 | 1,758 | 1,534 | 1,814 | 1,698 | 1,555 | 1,323 | 1,080 | 1,216 | 1,184 | 1,250 | 1,260 | 1,177 |
Non-Interest Income Growth (YoY) | -12.16% | 14.65% | -1.26% | 14.85% | 14.56% | 12.58% | 22.44% | 11.07% | 13.05% | 15.95% | 67.96% | 39.64% | 31.33% | 5.84% | -14.29% | 3.31% | -0.42% | 51.52% | 31.66% | -5.16% |
Revenues Before Loan Losses | 5,823 | 5,797 | 5,898 | 5,702 | 5,637 | 5,407 | 5,909 | 5,716 | 5,583 | 5,408 | 5,842 | 5,759 | 5,567 | 4,868 | 4,412 | 4,682 | 4,600 | 4,624 | 4,648 | 4,517 |
Provision for Credit Losses | 346 | 365 | 326 | 299 | 313 | 299 | 336 | 300 | 258 | 86 | 183 | 98 | 152 | 269 | 403 | 202 | 987 | 346 | 39 | -91 |
| 5,477 | 5,432 | 5,572 | 5,403 | 5,324 | 5,108 | 5,573 | 5,416 | 5,325 | 5,322 | 5,659 | 5,661 | 5,415 | 4,599 | 4,009 | 4,480 | 3,613 | 4,278 | 4,609 | 4,608 | |
Revenue Growth (YoY) | 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% |
Other Non-Interest Expenses | 3,220 | 3,338 | 3,012 | 3,034 | 3,200 | 3,336 | 2,904 | 2,848 | 3,032 | 3,075 | 2,793 | 2,625 | 3,071 | 2,887 | 2,629 | 2,738 | 2,945 | 2,947 | 2,686 | 2,544 |
Total Non-Interest Expense | 3,220 | 3,338 | 3,012 | 3,034 | 3,200 | 3,336 | 2,904 | 2,848 | 3,032 | 3,075 | 2,793 | 2,625 | 3,071 | 2,887 | 2,629 | 2,738 | 2,945 | 2,947 | 2,686 | 2,544 |
Pretax Income | 2,258 | 2,095 | 2,560 | 2,369 | 2,124 | 1,771 | 2,668 | 2,568 | 2,293 | 2,247 | 2,866 | 3,035 | 2,344 | 1,711 | 1,380 | 1,743 | 668 | 1,331 | 1,924 | 2,065 |
Provision for Income Taxes | 652 | 606 | 703 | 633 | 604 | 542 | 724 | 731 | 653 | 620 | 817 | 818 | 715 | 575 | 427 | 530 | 194 | 351 | 521 | 566 |
Net Income | 1,606 | 1,489 | 1,857 | 1,737 | 1,520 | 1,228 | 1,945 | 1,837 | 1,639 | 1,626 | 2,049 | 2,217 | 1,629 | 1,137 | 953 | 1,212 | 475 | 980 | 1,402 | 1,499 |
Minority Interest in Earnings | 50 | 78 | 70 | 62 | 65 | 74 | 65 | 57 | 61 | 68 | 67 | 62 | 38 | 48 | -26 | 34 | 46 | 35 | 35 | 40 |
Net Income to Common | 1,556 | 1,411 | 1,787 | 1,675 | 1,455 | 1,154 | 1,880 | 1,780 | 1,578 | 1,558 | 1,982 | 2,155 | 1,591 | 1,089 | 979 | 1,178 | 429 | 945 | 1,367 | 1,459 |
Net Income Growth (YoY) | 6.94% | 22.27% | -4.95% | -5.90% | -7.80% | -25.93% | -5.15% | -17.40% | -0.82% | 43.07% | 102.45% | 82.94% | 270.86% | 15.24% | -28.38% | -19.26% | -57.31% | 29.99% | 73.48% | 387.96% |
Shares Outstanding (Basic) | 2,890 | 2,916 | 2,960 | 3,013 | 3,072 | 3,130 | 3,201 | 3,275 | 3,310 | 3,461 | 3,558 | 3,615 | 3,619 | 3,684 | 3,729 | 3,760 | 3,770 | 3,847 | 3,904 | 3,903 |
Shares Outstanding (Diluted) | 2,890 | 2,916 | 2,960 | 3,013 | 3,072 | 3,130 | 3,201 | 3,275 | 3,310 | 3,461 | 3,558 | 3,615 | 3,619 | 3,684 | 3,729 | 3,760 | 3,770 | 3,847 | 3,904 | 3,903 |
Shares Change (YoY) | -5.90% | -6.84% | -7.51% | -8.03% | -7.19% | -9.56% | -10.04% | -9.40% | -8.55% | -6.05% | -4.58% | -3.86% | -4.01% | -4.24% | -4.48% | -3.67% | -3.33% | -1.36% | 0.09% | 0.10% |
EPS (Basic) | 0.54 | 0.48 | 0.60 | 0.56 | 0.47 | 0.37 | 0.59 | 0.54 | 0.48 | 0.45 | 0.56 | 0.60 | 0.44 | 0.30 | 0.26 | 0.31 | 0.11 | 0.25 | 0.35 | 0.37 |
EPS (Diluted) | 0.54 | 0.48 | 0.60 | 0.56 | 0.47 | 0.37 | 0.59 | 0.54 | 0.48 | 0.45 | 0.56 | 0.60 | 0.44 | 0.30 | 0.26 | 0.31 | 0.11 | 0.25 | 0.35 | 0.37 |
EPS Growth (YoY) | 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% |
Additional Metrics
Fiscal Quarter | Q1 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 |
Free Cash Flow | 0 | -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 |
Free Cash Flow Growth (YoY) | - | - | - | 79.48% | 79.48% | - | - | 31.21% | 31.21% | - | - | -80.59% | -80.59% | - | - | - | - | - | - | - |
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 |
Dividends Per Share | - | 0.736 | - | 0.350 | - | 0.710 | - | 0.350 | - | 0.756 | - | 0.350 | - | 0.389 | 0.170 | 0.170 | - | 0.890 | - | - |
Dividend Growth (YoY) | - | 3.66% | - | 0% | - | -6.08% | - | 0% | - | 94.34% | - | 105.88% | - | -56.29% | - | - | - | 641.67% | - | - |
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% |
Effective Tax Rate | 28.88% | 28.93% | 27.46% | 26.72% | 28.44% | 30.60% | 27.14% | 28.47% | 28.48% | 27.59% | 28.51% | 26.95% | 30.50% | 33.61% | 30.94% | 30.41% | 29.04% | 26.37% | 27.08% | 27.41% |