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ING Group NV ADR

ING Group NV ADR

ING · NYSE · Financial Services / Banks - Diversified

33.22USD+0.19 (+0.58%)

Price History

Full chart

Market Stats

Previous Close33.03
Open33.09
Day Range33.07 – 33.24
52-Week Range22.90 – 37.52
Volume1.53M
Market Cap93.44B
P/E (TTM)12.46
Forward P/E10.00
EPS2.64
Dividend Yield4.02%
Beta0.91
50-Day Avg35.01
200-Day Avg31.25

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, USA
  • 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. Erwin H. M. OlijslagerPrincipal Accounting Officer
  • Rob Van VeldhuizenHead of Corporate Finance Benelux
  • Mr. Bob BakkerHead of Investor Relations
  • Ms. Vroukje Van Oosten SlingelandGeneral Counsel & MD
  • Mr. Ricardo ZemellaCo-Head of Global Debt Syndicate
  • Mr. Mark Pieter de Boer Ph.D.Head of Sector Coverage & Chief commercial officer · b. 1960

Financials

Income Statement

Currency: EUR1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue33.86B37.29B58.80B77.30B74.62B77.45B64.65B84.29B109.85B123.52B143.94B149.31B114.72B100.01B83.54B61.57B54.81B51.09B50.13B48.34B47.94B32.33B32.44B26.93B25.78B18.59B58.90B66.41B23.04B
Growth (%)-+10.14%+57.70%+31.45%-3.46%+3.80%-16.53%+30.37%+30.33%+12.44%+16.52%+3.73%-23.17%-12.82%-16.47%-26.30%-10.98%-6.78%-1.89%-3.56%-0.83%-32.58%+0.35%-16.97%-4.27%-27.90%+216.84%+12.75%-65.31%
Cost of Revenue7.29B14.77B14.08B19.71B2.02B2.73B2.24B17.17B39.20B50.08B67.90B87.25B70.45B56.76B52.87B50.24B41.98B37.46B35.11B31.91B31.03B14.88B15.50B11.74B7.99B16.54B36.75B45.00B1.30B
Gross Profit26.57B37.29B44.72B57.59B72.60B74.73B62.41B67.11B70.66B73.44B76.04B62.06B44.27B43.25B30.67B11.32B12.82B13.63B15.02B16.43B16.92B17.44B16.94B15.19B17.79B18.59B22.15B21.41B21.73B
Gross Margin78.47%100.00%76.05%74.50%97.29%96.48%96.53%79.63%64.32%59.46%52.83%41.57%38.59%43.25%36.72%18.39%23.40%26.68%29.97%33.98%35.29%53.96%52.22%56.40%69.01%100.00%37.61%32.24%94.34%
Operating Expense24.07B19.98B38.72B43.73B66.84B69.14B56.89B59.37B61.76B63.50B64.48B67.26B46.76B40.20B25.60B7.94B8.66B9.93B8.85B10.53B9.65B10.69B10.11B11.38B11.01B13.90B11.66B12.11B12.58B
Operating Income2.49B17.31B6.00B13.86B5.75B5.59B5.52B7.74B8.89B9.94B11.55B-5.20B-2.49B3.05B5.08B3.38B4.17B3.71B6.17B5.90B7.27B6.75B6.83B3.81B6.78B4.69B10.49B9.30B9.15B
Operating Margin7.36%46.42%10.20%17.93%7.71%7.22%8.54%9.18%8.10%8.05%8.03%-3.48%-2.17%3.05%6.08%5.50%7.60%7.26%12.31%12.21%15.16%20.88%21.07%14.14%26.30%25.22%17.81%14.00%39.71%
EBITDA2.84B17.31B6.54B14.47B6.34B6.59B6.15B8.30B10.17B11.24B12.94B-3.70B-791.00M4.78B6.59B4.16B4.93B4.40B6.81B6.44B7.79B7.27B7.62B4.64B7.62B6.12B11.17B9.97B9.15B
EBITDA Margin8.38%46.42%11.12%18.72%8.50%8.51%9.51%9.85%9.26%9.10%8.99%-2.48%-0.69%4.78%7.89%6.76%9.00%8.61%13.58%13.32%16.24%22.49%23.50%17.22%29.54%32.93%18.96%15.02%39.71%
Net Income1.84B2.65B4.94B12.02B4.58B4.50B4.04B5.75B7.21B7.69B9.62B-3.49B-1.49B2.37B4.75B3.73B3.54B1.25B4.01B4.65B4.91B4.61B4.78B2.48B4.78B3.67B7.29B6.39B6.33B
Net Income Margin5.44%7.12%8.39%15.55%6.14%5.81%6.24%6.83%6.56%6.23%6.68%-2.34%-1.30%2.37%5.69%6.05%6.47%2.45%8.00%9.62%10.23%14.25%14.74%9.23%18.52%19.76%12.37%9.63%27.47%
R&D------------------00000------
R&D as % of Total Revenue------------------0.00%0.00%0.00%0.00%0.00%------
Interest Expense7.29B13.87B13.50B19.31B1.27B1.29B1.12B16.71B39.11B49.98B67.77B85.97B67.47B55.01B51.20B48.12B39.69B35.87B33.76B30.94B30.35B14.23B14.38B9.09B7.50B14.71B36.25B43.88B36.37B
Interest Expense % of Total Revenue21.53%37.20%22.96%24.98%1.71%1.66%1.74%19.82%35.60%40.46%47.09%57.58%58.82%55.00%61.29%78.16%72.42%70.20%67.35%64.00%63.30%44.01%44.32%33.77%29.08%79.15%61.55%66.08%157.88%

Balance Sheet

Currency: EUR1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets278.39B392.70B494.26B651.97B706.35B717.02B777.41B865.56B1.16T1.23T1.31T1.33T1.16T1.24T1.27T1.16T1.08T1.18T1.01T845.08B846.22B887.03B891.74B937.38B951.29B967.82B975.58B1.02T1.05T
Total Liabilities257.51B363.17B458.13B622.91B680.78B694.64B752.61B836.22B1.12T1.19T1.27T1.30T1.12T1.20T1.23T1.11T1.03T1.12T956.76B794.68B795.10B835.30B135.82B79.55B116.64B917.41B923.40B969.24B1.00T
Total Equity20.69B28.91B35.16B27.77B24.10B20.42B23.07B27.13B38.40B38.27B37.21B17.33B31.12B38.37B42.45B49.51B42.44B50.42B47.83B50.40B51.12B51.73B755.92B857.83B834.65B50.41B51.24B50.31B49.70B
Cash2.41B2.32B4.99B44.25B9.28B57.15B72.67B66.06B13.08B14.33B12.41B22.05B15.39B13.07B76.52B56.71B13.32B12.23B20.66B19.67B21.99B49.99B53.20B112.23B108.01B87.25B89.89B69.96B52.89B
Total Debt131.95B197.62B159.11B189.70B144.42B98.77B138.77B126.84B151.75B112.65B111.27B148.59B163.10B179.19B180.39B181.44B161.26B144.51B137.70B139.20B127.00B201.00B202.65B137.50B159.59B194.72B150.00B171.33B169.33B
Net Debt129.54B195.29B154.11B145.44B135.14B41.61B66.10B60.78B138.67B98.33B98.86B126.55B147.72B166.12B149.19B163.78B147.95B95.16B86.25B112.08B90.06B83.49B81.91B-33.28B8.01B32.25B60.11B101.37B116.44B

Cash Flow

Currency: EUR1997-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow6.62B23.65B-3.51B23.46B39.26B60.07B76.03B33.72B9.75B11.71B12.82B-27.40B-4.78B9.19B-9.26B-8.42B12.02B10.58B8.55B-5.25B6.92B13.05B103.18B-14.94B-11.11B-11.34B-22.54B-6.38B
Investing Cash Flow-7.57B-22.38B-14.25B-27.20B-26.58B-65.44B-73.55B-50.27B-31.32B-13.93B-10.00B3.24B-3.35B6.50B576.00M9.27B-7.42B4.20B6.13B11.75B5.45B-2.50B-8.49B6.22B-5.31B-8.54B-6.03B-15.70B
Financing Cash Flow3.24B4.13B7.80B5.29B3.19B971.10M1.52B7.31B16.82B-12.83B45.73B13.85B7.64B-6.93B-1.67B-8.70B-4.66B-11.16B-19.06B-3.95B15.98B-4.15B-36.73B5.39B4.65B18.40B5.37B8.24B
Capital Expenditure05.59B11.44B9.15B06.59B6.32B1.69B568.00M575.00M708.00M640.00M527.00M499.00M423.00M388.00M375.00M353.00M351.00M264.00M286.00M355.00M287.00M184.00M231.00M246.00M332.00M351.00M
Free Cash Flow6.62B18.07B-14.95B14.31B39.26B53.49B69.71B32.03B9.18B11.13B12.12B-28.04B-5.30B8.69B-9.68B-8.81B11.64B10.22B8.20B-5.52B6.63B12.70B102.89B-15.13B-11.34B-11.59B-22.88B-6.73B
Dividends Paid243.64M725.47M902.90M2.30B1.98B925.04M881.53M2.46B2.72B3.04B3.21B1.03B-430.38B333.24B156.66B147.70B1.39B2.52B2.56B2.61B2.68B46.00M2.38B3.09B2.97B3.88B3.88B
FCF to OCF100.00%76.39%425.42%61.00%100.00%89.03%91.69%94.98%94.17%95.09%94.48%102.34%111.04%94.57%104.57%104.61%96.88%96.66%95.90%105.03%95.86%97.28%99.72%101.23%102.08%102.17%101.47%105.50%
Dividend Paid to FCF3.68%4.01%-6.04%16.10%5.04%1.73%1.26%7.68%29.58%27.30%26.47%-3.67%-4953.74%-3441.52%-1779.05%1268.46%13.62%30.74%-46.47%39.33%21.09%0.04%-15.75%-27.27%-25.61%-16.96%-57.70%

Earnings

Report DateMar 30, 2001Mar 31, 2002Aug 22, 2002Nov 21, 2002Feb 21, 2003May 15, 2003Aug 14, 2003Nov 14, 2003Feb 19, 2004May 13, 2004Aug 25, 2004Nov 4, 2004Feb 17, 2005May 12, 2005Aug 11, 2005Nov 10, 2005Feb 16, 2006May 11, 2006Aug 10, 2006Nov 9, 2006Feb 15, 2007May 16, 2007Aug 8, 2007Nov 7, 2007Feb 20, 2008May 14, 2008Aug 13, 2008Nov 12, 2008Feb 18, 2009May 13, 2009Aug 12, 2009Nov 11, 2009Feb 17, 2010May 12, 2010Aug 11, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Aug 4, 2011Nov 3, 2011Feb 9, 2012May 9, 2012Aug 8, 2012Nov 7, 2012Feb 13, 2013May 8, 2013Aug 7, 2013Nov 6, 2013Feb 12, 2014May 7, 2014Sep 30, 2014Nov 5, 2014Feb 11, 2015May 7, 2015Aug 5, 2015Nov 4, 2015Feb 4, 2016May 10, 2016Aug 4, 2016Nov 3, 2016Feb 2, 2017May 10, 2017Aug 2, 2017Nov 2, 2017Jan 31, 2018May 7, 2018Aug 2, 2018Nov 1, 2018Feb 6, 2019May 2, 2019Aug 1, 2019Oct 31, 2019Feb 6, 2020May 8, 2020Aug 6, 2020Nov 5, 2020Feb 12, 2021May 6, 2021Aug 6, 2021Nov 4, 2021Feb 3, 2022May 6, 2022Aug 3, 2022Nov 3, 2022Feb 2, 2023May 11, 2023Aug 3, 2023Nov 2, 2023Feb 1, 2024May 2, 2024Aug 1, 2024Oct 31, 2024Feb 6, 2025May 2, 2025Jul 31, 2025Oct 29, 2025Jan 28, 2026Apr 30, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate0.56----------------------1.380.891.131.250.68----------0.520.520.320.470.440.360.470.240.240.320.28--------0.000.000.000.00----0.330.390.400.330.320.410.370.320.180.150.270.150.250.340.390.30-0.140.330.350.280.350.520.560.470.430.540.280.440.570.610.650.480.600.750.79
EPS Actual0.520.400.620.380.360.070.800.410.450.550.710.690.700.900.630.740.650.860.890.700.920.861.191.321.831.181.42-0.18-1.85-0.390.040.27-0.350.480.370.180.51-0.040.580.47-0.180.250.340.240.130.280.330.310.14-0.680.340.050.330.510.290.480.220.380.390.380.390.290.650.410.620.360.430.440.360.320.410.380.250.180.180.240.230.310.440.400.290.120.330.250.330.481.140.590.490.480.580.310.390.530.640.700.570.630.790.72
Surprise-7.14%-----------------------4.35%105.62%4.42%13.60%-126.47%----------11.54%-9.62%-156.25%-46.81%-22.73%-33.33%-72.34%16.67%37.50%-3.13%-50.00%----------------10.24%10.46%10.97%9.70%0.50%-0.27%4.03%-21.09%2.67%23.27%-12.47%56.56%26.62%26.56%2.80%-5.72%185.71%0.00%-28.57%17.86%37.14%119.10%5.32%3.92%10.75%8.17%10.71%-9.67%-7.02%4.92%7.69%18.75%5.00%5.33%-8.86%
TimingAfter-hours----------------------Pre-marketPre-marketPre-marketPre-marketPre-market----------Pre-market-Pre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hours-----Pre-market-Pre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-market-Pre-market-Pre-market-Pre-marketPre-market----Pre-market-Pre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-market-Pre-market-Pre-marketPre-market-Pre-marketAfter-hoursAfter-hours-Pre-marketPre-market

Key Statistics & Ratios

Market Cap93.44B
Enterprise Value109.69B
Trailing P/E12.46
Forward P/E10.00
PEG Ratio1.16
Price / Sales3.71
Price / Book1.66
EPS2.64
Book Value19.74
Revenue (TTM)25.21B
Gross Profit (TTM)25.21B
Profit Margin34.49%
Operating Margin49.10%
Return on Equity17.12%
Return on Assets0.80%
Shares Outstanding2.84B
Shares Float2.87B
Beta0.91
Dividend Yield4.02%
Dividend Rate1.32
Payout Ratio56.00%

Analyst Ratings

Hold
Based on 3 analystsTarget 36.50
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
4.69%
Insiders
0.01%
Retail / Other
95.30%

Top Institutional Holders

  • Morgan Stanley - Brokerage Accounts
    12.84M0.45%
  • FMR Inc
    7.84M0.28%
  • The Goldman Sachs Group Inc
    7.58M0.27%
  • Bank of America Corp
    6.18M0.22%
  • BlackRock Inc
    5.88M0.21%
  • Fisher Asset Management, LLC
    5.85M0.21%
  • Natixis Advisors, LLC.
    5.26M0.19%
  • JONES FINANCIAL COMPANIES LLLP
    5.08M0.18%
  • Aristotle Capital Management LLC
    4.76M0.17%
  • Northern Trust Corp
    3.91M0.14%
  • Royal Bank of Canada
    3.55M0.13%
  • Arrowstreet Capital Limited Partnership
    2.80M0.10%
  • American Century Companies Inc
    2.80M0.10%
  • Todd Asset Management
    2.73M0.10%
  • JPMorgan Chase & Co
    2.31M0.08%
  • Wells Fargo & Co
    2.25M0.08%
  • Quantinno Capital Management LP
    1.96M0.07%
  • Teachers Retirement System Of The State Of Kentucky
    1.77M0.06%
  • Causeway Capital Management LLC
    1.69M0.06%

Top Fund Holders

  • Avantis International Equity ETF
    2.56M0.09%

Dividends

20264×
0.46Aug 10, 20260.46Aug 3, 20260.88Apr 17, 20260.20Jan 8, 2026
20253×
0.41Aug 11, 20250.80Apr 25, 20250.17Jan 13, 2025
20242×
0.38Aug 8, 20240.82Apr 24, 2024
20233×
0.38Aug 11, 20230.41Apr 26, 20230.09Jan 13, 2023
20223×
0.17Aug 12, 20220.24May 13, 20220.45Apr 27, 2022
20212×
0.56Oct 4, 20210.14Feb 23, 2021
20192×
0.27Aug 9, 20190.50Apr 25, 2019
20182×
0.28Aug 10, 20180.53Apr 25, 2018
20172×
0.28Aug 10, 20170.45May 9, 2017
20161×
0.27Aug 11, 2016

Stock Splits

  • Jul 13, 20012:1
  • Jun 3, 19965:2