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ING Groep NV

ING Groep NV

INN1 · XETRA · Financial Services / Banks - Diversified

30.09EUR+0.04 (+0.13%)

Price History

Full chart

Market Stats

Previous Close30.05
Open29.98
Day Range29.94 – 30.15
52-Week Range19.23 – 32.38
Volume40.96K
Market Cap87.36B
P/E (TTM)13.29
Forward P/E11.83
EPS2.31
Dividend Yield3.70%
Beta0.90
50-Day Avg30.92
200-Day Avg26.60

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, Germany
  • 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

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 Revenue26.57B37.29B45.30B57.99B73.30B75.58B67.85B67.34B70.12B73.55B76.16B66.82B47.24B53.17B53.94B13.45B13.00B15.23B15.59B17.40B17.59B18.10B17.11B17.82B25.78B33.61B58.90B22.62B60.56B
Growth (%)-+40.36%+21.49%+28.00%+26.40%+3.12%-10.23%-0.76%+4.13%+4.89%+3.56%-12.26%-29.30%+12.55%+1.45%-75.07%-3.33%+17.12%+2.39%+11.62%+1.10%+2.88%-5.49%+4.16%+44.69%+30.34%+75.27%-61.60%+167.77%
Cost of Revenue---------626.00M511.00M-1.47B---26.68B-14.93B328.00M201.00M16.00M158.00M18.00M-1.20B11.69B12.76B16.54B36.75B45.00B37.67B
Gross Profit26.57B37.29B45.30B57.99B73.30B75.58B67.85B67.34B70.12B72.92B75.65B66.82B45.77B53.17B53.94B40.13B27.93B14.90B15.39B17.39B17.44B18.08B18.31B6.13B13.03B17.06B22.15B20.05B22.89B
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%99.15%99.33%100.00%96.89%100.00%100.00%298.39%214.81%97.85%98.71%99.91%99.10%99.90%107.01%34.38%50.53%50.77%37.61%88.67%37.79%
Operating Expense16.79B-19.98B25.80B24.82B48.00B68.70B61.20B59.56B21.18B13.34B65.31B-17.70B-19.64B-5.62B-3.01B35.69B21.80B7.72B5.47B10.27B10.33B6.38B7.34B1.44B6.02B10.88B11.66B10.59B13.74B
Operating Income9.78B57.27B19.50B33.17B25.30B6.88B6.65B7.78B48.94B59.58B10.34B84.52B65.41B58.79B56.95B4.44B6.13B7.18B9.92B7.12B7.10B11.70B10.96B4.69B7.01B6.18B10.49B9.46B9.15B
Operating Margin36.82%153.58%43.04%57.20%34.52%9.11%9.79%11.55%69.79%81.01%13.57%126.48%138.46%110.57%105.58%33.04%47.14%47.15%63.63%40.91%40.37%64.63%64.08%26.30%27.18%18.39%17.81%41.84%15.11%
EBITDA10.13B17.31B20.04B33.78B25.89B7.88B7.27B8.38B50.21B60.88B79.93B86.01B2.00M60.51B50.16B52.73B46.51B38.37B40.04B37.75B37.95B21.10B7.57B4.57B7.84B6.12B11.17B9.97B9.39B
EBITDA Margin38.11%46.42%44.24%58.25%35.33%10.42%10.71%12.45%71.61%82.77%104.95%128.72%0.00%113.81%92.99%392.10%357.73%252.01%256.82%216.91%215.70%116.58%44.27%25.66%30.42%18.21%18.96%44.10%15.51%
Net Income1.84B2.65B4.94B12.02B4.58B4.50B4.04B5.75B7.21B7.69B9.24B-3.49B-1.49B2.37B4.74B3.73B3.54B1.25B4.01B4.65B4.91B4.70B4.78B2.48B4.78B3.67B7.29B6.39B6.33B
Net Income Margin6.93%7.12%10.90%20.72%6.25%5.96%5.95%8.55%10.28%10.46%12.13%-5.23%-3.16%4.45%8.79%27.71%27.27%8.22%25.72%26.73%27.88%25.98%27.95%13.95%18.52%10.93%12.37%28.26%10.45%
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 Revenue27.44%37.20%29.80%33.30%1.74%1.71%1.65%24.81%55.78%67.96%88.99%128.65%142.83%103.46%94.92%357.79%305.31%235.54%216.54%177.80%172.50%78.59%84.04%51.04%29.08%43.78%61.55%194.03%60.05%

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 Equity20.69B28.91B35.16B27.77B24.10B20.42B23.07B27.13B36.74B38.27B37.21B17.33B31.12B37.72B42.83B49.51B42.44B51.34B47.83B49.79B50.41B50.93B53.77B47.67B53.92B49.91B51.24B50.31B49.70B
Cash2.41B2.32B4.99B44.25B9.28B57.15B72.67B66.06B13.08B14.33B12.41B22.05B15.39B13.07B76.52B56.71B13.32B12.23B20.66B19.67B21.99B49.99B53.20B112.23B108.01B87.25B89.89B70.35B52.89B
Total Debt131.95B197.62B159.11B189.70B144.42B98.77B138.77B126.84B151.75B152.94B161.80B222.34B163.10B179.19B168.40B168.94B161.26B144.51B137.70B131.75B127.00B201.00B202.65B111.60B159.59B119.50B173.26B228.52B244.67B
Net Debt129.54B195.29B154.11B145.44B135.14B41.61B66.10B60.78B138.67B138.61B149.40B200.30B147.72B166.12B91.89B112.23B147.95B132.28B129.25B112.08B90.06B83.49B81.91B-33.28B8.01B32.25B60.11B109.99B191.78B

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-3.51B23.46B39.26B60.07B75.10B34.09B9.75B11.71B12.82B-27.40B-4.75B9.19B-9.26B-8.42B12.02B10.58B8.55B-5.25B18.14B13.05B103.18B-14.94B-11.11B11.95B6.52B160.00M
Investing Cash Flow-7.57B-22.38B-14.25B-27.20B-26.58B-65.44B-72.27B-50.30B-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-60.57B-69.58B
Financing Cash Flow3.24B4.13B7.80B5.29B3.19B971.10M1.52B7.31B17.00B-12.83B45.73B13.85B7.64B-6.93B-1.67B-8.70B-4.66B-11.16B-19.06B-3.95B15.98B-4.15B-36.73B5.39B4.65B-4.89B30.85B55.59B
Capital Expenditure05.59B11.44B9.15B06.59B380.00M1.69B1.73B1.97B708.00M639.00M527.00M499.00M423.00M388.00M375.00M353.00M415.00M304.00M286.00M355.00M287.00M184.00M231.00M246.00M332.00M351.00M
Free Cash Flow6.62B18.07B-14.95B14.31B39.26B53.49B74.72B32.03B9.18B11.13B12.12B-28.04B-5.27B8.69B-9.68B-8.81B11.64B10.22B8.14B-5.56B6.63B12.70B102.89B-15.13B-11.34B4.83B6.19B-191.00M
Dividends Paid243.64M725.47M902.90M2.30B1.98B925.04M883.00M2.46B2.72B3.04B3.21B684.00M-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%99.49%93.95%94.17%95.09%94.48%102.34%111.10%94.57%104.57%104.61%96.88%96.66%95.15%105.79%36.55%97.28%99.72%101.23%102.08%40.40%94.91%-119.38%
Dividend Paid to FCF3.68%4.01%-6.04%16.10%5.04%1.73%1.18%7.68%29.58%27.30%26.47%-2.44%-4953.74%-3441.52%-1779.05%1268.46%13.62%30.98%-46.14%39.33%21.09%0.04%-15.75%-27.27%61.45%62.65%-2033.51%

Earnings

Report DateMar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Nov 3, 2016Feb 1, 2017May 10, 2017Aug 2, 2017Nov 2, 2017Jan 31, 2018May 9, 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 4, 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 30, 2025Dec 31, 2025Apr 30, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate--------------------------------------------------------0.000.00-0.350.330.320.270.330.350.290.290.370.340.230.170.160.200.190.260.370.350.250.110.310.260.300.440.600.560.440.400.500.510.410.450.520.53-0.500.650.67
EPS Actual0.450.680.390.360.070.700.360.380.440.590.560.540.690.500.610.550.710.710.550.720.660.880.830.910.560.73-0.18-1.41-0.300.030.19-0.240.350.290.100.110.250.180.410.280.110.310.160.380.420.210.030.14-0.500.280.240.140.460.350.27-0.050.340.360.290.350.350.260.310.370.390.320.290.370.340.230.170.160.200.190.260.370.350.250.110.310.260.300.440.600.560.450.480.540.590.370.470.560.600.480.540.68-
Surprise-----------------------------------------------------------0.83%7.30%-19.16%13.63%12.42%11.29%9.72%-0.86%0.00%1.47%0.00%0.00%-2.44%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-0.65%0.00%2.34%20.54%8.00%15.69%-10.20%5.05%7.69%13.91%-7.68%4.42%-
Timing-------------------------------------------------------------------------------------After-hoursPre-market-Pre-marketPre-market-After-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap87.36B
Enterprise Value103.38B
Trailing P/E13.29
Forward P/E11.83
PEG Ratio2.15
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 Ratio56.75%

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
20201×
0.39Apr 30, 2020
20192×
0.24Aug 5, 20190.44Apr 25, 2019
20182×
0.24Aug 6, 20180.43Apr 25, 2018
20172×
0.24Aug 4, 20170.42May 10, 2017
20161×
0.24Aug 5, 2016

Stock Splits

  • Nov 30, 2009853:655
  • Jul 2, 20012:1