1. Netherlands Stocks

  2. •

    Financial Services

  3. •

    Banks - Diversified
ING Groep N.V.

ING Groep N.V.

INGVF
ING Groep N.V.US flagOther OTC
29.10
USD
- -
- -
83.41BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.95
3.95
4.25
4.49
4.52
4.66
4.65
4.58
4.7
5.22
6.36
6.99
7.66
7.98
Basic EPS, GAAP
0.93
0.32
1.04
1.2
1.26
1.19
1.23
0.64
1.23
1.02
2.05
1.98
2.12
2.21
Free Cash Flow per Basic Share
-2.3
3.02
2.65
2.1
-1.43
4.59
3.27
25.89
-3.89
-3.13
-3.25
-7.09
-2.25
- -
Dividend per Share
- -
- -
0.36
0.65
0.66
0.65
0.69
- -
0.61
0.85
0.83
1.2
1.3
- -
Book Value per Share
0.24
6.25
6.75
6.95
7.46
7.79
6.79
9.03
9.61
9.67
10.35
10.49
11.93
- -
Tangible Book Value per Share
12.51
14.99
12.16
12.62
12.75
12.84
11.81
13.92
13.76
13.62
14.31
15.48
16.54
17.4
Basic Weighted Avg Shares
3,825
3,855
3,856
3,875
3,893
3,887
3,887
3,899
3,888
3,619
3,563
3,229
2,990
2,903
Sales/Revenue/Turnover
15,113
15,227
16,368
17,402
17,594
18,101
18,061
17,839
18,285
18,891
22,674
22,554
22,903
23,179
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
765
692
634
536
520
520
789
829
834
711
674
673
665
- -
Net Income, GAAP
3,545
1,251
4,010
4,651
4,905
4,607
4,781
2,485
4,776
3,674
7,287
6,392
6,327
6,429
Effective Tax Rate (%)
24.89
26.19
26.52
27.41
31.38
30.16
28.61
32.71
27.68
31.35
28.31
28.49
27.82
27.95
Profit Margin (%)
23.46
8.22
24.5
26.73
27.88
25.45
26.47
13.93
26.12
19.45
32.14
28.34
27.63
27.74
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
161,262
144,510
149,909
131,754
121,578
142,004
119,689
105,743
116,014
119,497
150,000
171,327
179,219
182,898
Total Equity
49,688
59,416
48,470
50,399
51,121
51,735
47,817
55,660
54,656
50,411
52,182
51,308
50,953
52,064
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
385.33
10.01
16.01
17.56
17.52
15.53
16.87
8.07
13.16
10.16
20.28
18.06
18.2
- -

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
170,476
178,169
182,898
LT Finance Leases
- -
1,050
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,936
2,902
2,877
Market Capitalization
68,788
69,964
60,961

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
134,751
106,313
127,917
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
3,269
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.7%
-1.68%
-0.69%
Free Cash Flow
-5.48%
-22.2%
-70.58%
Net Income, GAAP
12.53%
30.83%
-1.02%
Sales/Revenue/Turnover
3.57%
5.37%
1.55%
Total Cash Common Dividend
7,934.41%
15,871.33%
0.13%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,583
5,698
5,910
5,407
22,554
2025
5,636
5,703
5,854
5,798
22,903
2026
5,824
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.48
- -
0.59
0.37
1.98
2025
0.47
- -
- -
0.48
2.12
2026
0.54
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.2
2025
- -
- -
- -
- -
1.3
2026
- -
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Steven J. A. van Rijswijk
Full Time Employees
60,000
Sector
Financial Services
Industry
Banks - Diversified
Address
Bijlmerdreef 106 Amsterdam Netherlands 1102 CT
IPO Date
Feb 22, 2010
CIK
0001039765
Website
ing.com
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Business
ING Groep N.V. (INGVF) is a Dutch multinational banking and financial services corporation that provides retail banking, including current and savings accounts, mortgages, consumer loans, payments, investments, and digital banking services; wholesale banking, encompassing specialised lending, corporate finance, debt and equity market solutions, sustainable finance, cash management, trade finance, and treasury services; and asset management through subsidiaries. The company, founded in 1762 and headquartered in Amsterdam, Netherlands, operates primarily in core markets such as the Netherlands, Belgium, Germany, and Luxembourg, with challenger markets including Australia, Italy, Spain, Poland, Romania, and Turkey, serving more than 53 million clients across over 100 countries with approximately 60,000 employees. Recent developments include ING Bank Slaski’s full acquisition of Goldman Sachs TFI in Poland for approximately €93 million in November 2025 to enhance asset management offerings; announcement of a €1.6 billion shareholder distribution following completion of a prior share buyback programme in October 2025; strong 3Q2025 results with €1,787 million net profit, 29% year-on-year growth in sustainable volumes to €110 billion, and retail lending expansion of €8.6 billion driven by mortgages; adjustment of CET1 capital target to around 13% amid higher regulatory expectations; and an agreement reached in January 2025 to sell its Russia business, expected to close in 3Q2025.