ING Groep NV

INGA · AS · Financial Services / Banks - Diversified

29.62EUR-0.46 (-1.53%)

Price History

Full chart

Market Stats

Previous Close30.08

Open29.68

Day Range29.17 – 29.88

52-Week Range19.24 – 32.4

Volume12.24M

Market Cap87.34B

P/E (TTM)13.28

Forward P/E11.85

EPS2.31

Dividend Yield3.70%

Beta0.90

50-Day Avg30.95

200-Day Avg26.64

About

ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. It accepts current and savings accounts; and time deposits. The company also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, it provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. The company serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

Company Details

SectorFinancial Services
IndustryBanks - Diversified
CEOMr. Steven J. A. van Rijswijk
Employees60.00K
HeadquartersBijlmerdreef 106, Amsterdam, Netherlands, 1102 CT, Netherlands
Websitehttps://www.ing.com

Leadership

Mr. Steven J. A. van RijswijkCEO and Chairman of the Executive Board & Management Board Banking · b. 1970
Ms. Ljiljana CortanMember Executive Board, Member Management Board Banking & Head of Wholesale Banking · b. 1971
Ms. Ida LernerCFO & Member of the Executive Board · b. 1975
Ms. Pinar AbayHead of Retail, Market Leaders, Challengers & Growth Markets and Member of Management Board Banking · b. 1977
Mr. Marnix van StiphoutCOO & Member of Management Board Banking · b. 1970
Mr. Daniele TonellaCTO & Management Board Member · b. 1971
Mr. Andrea CesaroniMember of Executive Board & Chief Risk Officer · b. 1971
Ms. Hilde GarssenChief Human Resources Officer & Member of Management Board Banking · b. 1973
Mr. Erwin H. M. OlijslagerPrincipal Accounting Officer
Rob Van VeldhuizenHead of Corporate Finance Benelux

Financials

Income Statement

Line item	1997-12-31	1998-12-31	1999-12-31	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	26.57B	37.29B	45.30B	57.99B	73.30B	76.17B	63.53B	67.34B	70.12B	72.92B	75.65B	63.34B	47.24B	45.00B	7.76B	13.88B	13.00B	15.30B	15.59B	17.39B	17.59B	17.52B	18.06B	17.82B	25.78B	33.61B	17.63B	22.62B	23.04B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	397.00M	201.00M	0	158.00M	18.00M	-	-	-	16.54B	-	5.69B	1.30B
Gross Profit	26.57B	37.29B	45.30B	57.99B	73.30B	75.58B	67.85B	67.34B	70.12B	72.92B	75.65B	66.82B	45.77B	53.17B	53.94B	40.13B	27.93B	14.90B	16.35B	16.93B	17.79B	17.52B	17.11B	14.61B	19.51B	17.06B	17.63B	16.93B	21.73B
Operating Income	9.78B	17.31B	19.50B	33.17B	25.30B	6.88B	6.65B	7.78B	7.62B	9.21B	10.34B	4.66B	2.96B	5.41B	7.54B	3.62B	7.47B	3.93B	6.00B	7.12B	7.10B	6.84B	6.74B	4.69B	7.01B	6.18B	10.53B	9.46B	9.15B
EBITDA	10.13B	17.31B	20.04B	33.78B	25.89B	7.88B	7.27B	8.38B	7.62B	9.21B	10.34B	4.66B	2.96B	5.41B	50.16B	3.62B	6.13B	3.93B	6.00B	7.12B	7.10B	6.84B	7.57B	4.57B	7.84B	6.21B	11.17B	9.97B	9.15B
Net Income	1.84B	2.65B	4.94B	12.02B	4.58B	4.50B	4.04B	5.75B	7.21B	7.69B	9.24B	-729.00M	-935.00M	2.37B	4.74B	2.77B	3.54B	1.25B	4.01B	4.65B	4.91B	4.70B	4.78B	2.48B	4.78B	3.67B	7.29B	6.39B	6.33B
Interest Expense	7.29B	13.87B	13.50B	19.31B	19.55B	1.29B	1.12B	1.02B	40.05B	49.98B	67.77B	85.97B	67.47B	55.01B	51.20B	48.12B	39.69B	35.86B	33.76B	30.94B	30.24B	14.23B	14.38B	9.11B	7.50B	14.71B	36.25B	43.88B	36.37B

Balance Sheet

Line item	1997-12-31	1998-12-31	1999-12-31	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	278.39B	392.70B	494.26B	651.97B	706.35B	717.02B	777.41B	865.56B	1.16T	1.23T	1.31T	1.33T	1.16T	1.24T	1.27T	1.16T	1.08T	992.86B	841.77B	845.08B	846.22B	887.03B	891.74B	937.38B	951.29B	967.82B	975.58B	1.02T	1.05T
Total Liabilities	257.51B	363.17B	458.13B	622.91B	680.79B	694.64B	752.61B	836.22B	1.12T	1.19T	1.27T	1.30T	1.12T	1.20T	1.23T	1.11T	1.03T	934.36B	793.30B	794.68B	795.10B	835.30B	135.82B	881.62B	896.63B	917.41B	923.40B	969.24B	1.00T
Total Equity	20.69B	28.91B	35.16B	27.77B	24.10B	20.42B	23.07B	27.13B	38.40B	38.27B	37.21B	17.33B	31.12B	38.37B	42.45B	49.51B	42.44B	50.42B	47.83B	49.79B	50.41B	50.93B	53.77B	54.64B	53.92B	49.91B	51.24B	50.31B	49.70B
Cash	2.41B	2.32B	4.99B	44.25B	9.28B	57.15B	72.67B	66.06B	13.07B	14.33B	12.41B	22.05B	15.39B	13.07B	31.19B	17.66B	13.32B	49.35B	51.45B	19.67B	21.99B	49.99B	53.20B	112.23B	108.01B	87.25B	89.89B	69.96B	52.89B
Total Debt	131.95B	197.62B	159.11B	189.70B	144.42B	98.77B	138.77B	126.84B	151.75B	112.65B	111.27B	148.59B	163.10B	179.19B	180.39B	181.44B	161.26B	144.51B	138.04B	139.20B	127.00B	201.00B	202.65B	183.84B	116.01B	119.50B	173.26B	227.63B	244.67B
Net Debt	129.54B	195.29B	154.11B	145.44B	135.14B	41.61B	66.10B	60.78B	138.67B	98.33B	98.86B	126.55B	147.72B	166.12B	149.19B	163.78B	147.95B	95.16B	86.25B	112.08B	90.06B	83.49B	81.91B	-33.28B	8.01B	32.25B	83.36B	101.37B	191.78B

Cash Flow

Line item	1997-12-31	1999-12-31	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	6.62B	23.65B	-3.51B	23.46B	39.26B	60.07B	76.03B	33.72B	9.75B	11.71B	12.82B	-27.40B	-4.78B	9.19B	-9.26B	-8.42B	12.02B	10.58B	8.55B	-5.25B	6.92B	13.05B	12.42B	-14.94B	-11.11B	5.07B	-55.82B	160.00M
Investing Cash Flow	-7.57B	-22.38B	-14.25B	-27.20B	-26.58B	-65.44B	-73.55B	-50.27B	-31.32B	-13.93B	-10.00B	3.24B	-3.35B	6.50B	576.00M	9.27B	-7.42B	4.20B	6.13B	11.75B	5.45B	-2.50B	-2.45B	6.22B	-5.31B	-1.67B	-6.03B	-69.58B
Financing Cash Flow	3.24B	4.13B	7.80B	5.29B	3.19B	971.10M	1.52B	7.31B	16.82B	-12.83B	45.73B	13.85B	7.64B	-6.93B	-1.67B	-8.70B	-4.66B	-11.16B	-19.06B	-3.95B	15.98B	-4.15B	47.99B	5.39B	4.65B	-4.89B	38.65B	55.59B
Capital Expenditure	0	5.59B	11.44B	9.15B	0	6.59B	6.32B	1.69B	568.00M	575.00M	708.00M	640.00M	527.00M	499.00M	423.00M	388.00M	375.00M	353.00M	351.00M	264.00M	286.00M	355.00M	287.00M	184.00M	231.00M	246.00M	332.00M	351.00M
Free Cash Flow	6.62B	18.07B	-14.95B	14.31B	39.26B	53.49B	69.71B	32.03B	9.18B	11.13B	12.12B	-28.04B	-5.30B	8.69B	-9.68B	-8.81B	11.64B	10.22B	8.20B	-5.52B	6.63B	12.70B	12.14B	-15.13B	-11.34B	4.83B	-56.15B	-191.00M
Dividends Paid	243.64M	725.47M	902.90M	2.30B	1.98B	925.04M	881.53M	2.46B	2.72B	3.04B	3.21B	1.03B	-	-	-	-	1.39B	1.39B	2.52B	2.56B	2.61B	2.68B	3.00M	2.38B	3.09B	2.97B	3.88B	3.88B

Earnings

Report Date	Mar 31, 2002	Aug 22, 2002	Nov 21, 2002	Feb 21, 2003	May 15, 2003	Aug 14, 2003	Nov 14, 2003	Feb 19, 2004	May 13, 2004	Aug 5, 2004	Nov 4, 2004	Feb 17, 2005	May 12, 2005	Aug 11, 2005	Nov 10, 2005	Feb 16, 2006	May 11, 2006	Aug 10, 2006	Nov 9, 2006	Feb 15, 2007	May 16, 2007	Aug 8, 2007	Nov 7, 2007	Feb 20, 2008	May 14, 2008	Aug 13, 2008	Nov 12, 2008	Feb 18, 2009	May 13, 2009	Aug 12, 2009	Nov 11, 2009	Feb 17, 2010	May 11, 2010	Aug 11, 2010	Nov 9, 2010	Feb 16, 2011	May 5, 2011	Aug 4, 2011	Nov 3, 2011	Feb 9, 2012	May 9, 2012	Aug 8, 2012	Nov 7, 2012	Feb 13, 2013	May 8, 2013	Aug 7, 2013	Nov 6, 2013	Feb 12, 2014	May 7, 2014	Aug 6, 2014	Nov 5, 2014	Feb 11, 2015	May 7, 2015	Aug 5, 2015	Nov 4, 2015	Feb 4, 2016	May 10, 2016	Aug 3, 2016	Nov 3, 2016	Feb 2, 2017	May 10, 2017	Aug 2, 2017	Nov 2, 2017	Jan 31, 2018	May 9, 2018	Aug 2, 2018	Nov 1, 2018	Feb 6, 2019	May 2, 2019	Aug 1, 2019	Oct 31, 2019	Feb 6, 2020	May 8, 2020	Aug 6, 2020	Nov 5, 2020	Feb 12, 2021	May 6, 2021	Aug 6, 2021	Nov 4, 2021	Feb 3, 2022	May 6, 2022	Aug 3, 2022	Nov 3, 2022	Feb 2, 2023	May 11, 2023	Aug 3, 2023	Nov 2, 2023	Feb 1, 2024	May 2, 2024	Jul 31, 2024	Oct 31, 2024	Feb 5, 2025	May 2, 2025	Jul 31, 2025	Oct 29, 2025	Jan 28, 2026	Apr 30, 2026	Jul 29, 2026	Oct 29, 2026
EPS Estimate	-	-	-	-	-	-	-	-	-	0.52	0.48	0.57	0.66	0.64	0.62	0.68	0.77	0.78	0.78	0.77	0.78	0.83	0.84	0.90	0.77	0.81	0.56	-1.64	-0.11	0.24	0.42	0.22	0.29	0.46	0.28	0.16	0.36	0.37	0.32	0.31	0.36	0.26	0.21	0.09	0.24	0.21	0.23	0.17	0.28	0.28	0.29	0.21	0.31	0.28	0.25	0.20	0.25	0.28	0.29	0.27	0.28	0.35	0.34	0.30	0.27	0.33	0.35	0.29	0.29	0.34	0.34	0.29	0.11	0.13	0.23	0.12	0.21	0.29	0.34	0.28	0.08	0.30	0.32	0.32	0.32	0.47	0.53	0.44	0.43	0.50	0.53	0.40	0.47	0.52	0.53	0.45	0.50	0.65	0.67
EPS Actual	0.45	0.68	0.39	0.36	0.07	0.70	0.36	0.38	0.44	0.65	0.56	0.57	0.70	0.65	0.78	0.71	0.92	0.93	0.77	0.99	0.88	1.27	0.91	1.24	0.76	0.95	-0.14	-1.53	-0.15	0.11	0.38	0.04	0.27	0.32	0.28	0.16	0.40	0.41	0.34	-0.13	0.19	0.28	0.19	0.10	0.21	0.25	0.23	0.11	0.26	0.31	0.30	0.14	0.31	0.29	0.29	0.21	0.21	0.37	0.34	0.36	0.30	0.36	0.35	0.26	0.31	0.37	0.39	0.32	0.29	0.37	0.35	0.23	0.17	0.08	0.20	0.19	0.26	0.37	0.35	0.25	0.11	0.32	0.26	0.30	0.44	0.60	0.56	0.45	0.48	0.54	0.59	0.37	0.47	0.56	0.60	0.48	0.54	0.68	-
Surprise	-	-	-	-	-	-	-	-	-	25.00%	16.67%	0.00%	6.06%	1.56%	25.81%	4.41%	19.48%	19.23%	-1.28%	28.57%	12.82%	53.01%	8.33%	37.78%	-1.30%	17.28%	-125.00%	6.71%	-36.36%	-54.17%	-9.52%	-81.82%	-6.90%	-30.43%	0.00%	0.00%	11.11%	10.81%	6.25%	-141.94%	-47.22%	7.69%	-9.52%	11.11%	-12.50%	19.05%	0.00%	-35.29%	-7.14%	10.71%	3.45%	-33.33%	0.00%	3.57%	16.00%	5.00%	-16.00%	32.14%	17.24%	33.33%	7.14%	2.86%	2.94%	-13.33%	14.81%	12.12%	11.43%	10.34%	0.00%	8.82%	2.94%	-20.69%	54.55%	-38.46%	-13.04%	58.33%	23.81%	27.59%	2.94%	-10.71%	37.50%	6.67%	-18.75%	-6.25%	37.50%	27.66%	5.66%	2.27%	11.63%	8.00%	11.32%	-7.50%	0.00%	7.69%	13.21%	6.67%	8.00%	4.62%	-
Timing	-	-	-	-	-	-	-	-	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	After-hours	After-hours	Pre-market	-	Pre-market	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	-	-	-	-	-	Pre-market	Pre-market	Pre-market	Pre-market	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	-	-	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	After-hours	-	Pre-market	After-hours	After-hours	-	After-hours	After-hours

Key Statistics & Ratios

Market Cap87.34B

Enterprise Value103.36B

Trailing P/E13.28

Forward P/E11.85

PEG Ratio2.16

Price / Sales3.46

Price / Book1.80

EPS2.31

Book Value17.57

Revenue (TTM)25.21B

Gross Profit (TTM)25.21B

Profit Margin34.49%

Operating Margin49.10%

Return on Equity17.12%

Return on Assets0.80%

Shares Outstanding2.85B

Shares Float2.87B

Beta0.90

Dividend Yield3.70%

Dividend Rate1.14

Payout Ratio56.87%

Dividends

20263×

0.40Aug 3, 20260.74Apr 16, 20260.17Jan 7, 2026

20253×

0.35Aug 4, 20250.71Apr 24, 20250.16Jan 8, 2025

20242×

0.35Aug 5, 20240.76Apr 24, 2024

20233×

0.35Aug 7, 20230.39Apr 26, 20230.08Jan 9, 2023

20223×

0.17Aug 8, 20220.23May 10, 20220.41Apr 27, 2022

20212×

0.48Oct 4, 20210.12Feb 16, 2021

20192×

0.24Aug 5, 20190.44Apr 25, 2019

20182×

0.24Aug 6, 20180.43Apr 25, 2018

20172×

0.24Aug 4, 20170.42May 10, 2017

20162×

0.24Aug 5, 20160.41Apr 27, 2016

Stock Splits

Nov 30, 2009853:655
Jul 2, 20012:1
Jun 3, 19965:2