ING Groep NV (ING)
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.
- Symbol
- ING
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Diversified
- 52 week range
- 23.64 - 37.52
Valuation
- Share price
- $35.92 (close of 2026-09-23)
- P/E (TTM)
- 11.46x
- Price to book
- 1.67x
- Price to free cash flow
- -13.74x
Price performance
| Period | Change |
|---|---|
| 1 day | -2.68% |
| 5 days | -2.34% |
| 1 month | +3.10% |
| 3 months | +13.49% |
| 6 months | +39.82% |
| Year to date | +28.29% |
| 1 year | +39.71% |
| 3 years | +176.52% |
| 5 years | +157.86% |
| 10 years | +191.32% |
| All time | +341.28% |
Profitability and growth
- Return on equity
- 15.04%
- Return on invested capital
- 12.46%
- Return on assets
- 0.79%
- Net margin
- 32.42%
- EBITDA margin
- 100.00%
- Revenue growth
- 21.77%
- Net income growth
- 56.06%
- Free cash flow growth
- 70.58%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- -7.28%
- Net debt to EBITDA
- 4.87x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Shares outstanding
- 2.99B
Margins and returns by year
| Period end | Net margin | Return on equity | Return on capital |
|---|---|---|---|
| 2025-12-31 | 32.42% | 15.04% | 12.46% |
| 2024-12-31 | 25.30% | 9.93% | 12.12% |
| 2023-12-31 | 22.85% | 7.44% | 14.62% |
| 2022-12-31 | 39.86% | 21.27% | 31.18% |
| 2021-12-31 | 29.62% | 11.27% | - |
| 2020-12-31 | 13.06% | 4.27% | - |
| 2019-12-31 | 22.79% | 7.52% | - |
| 2018-12-31 | 25.98% | 9.55% | 698.02% |
| 2017-12-31 | 29.39% | 11.35% | - |
| 2016-12-31 | 27.79% | 10.39% | - |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-29
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-07-30 | Jun/2026 | - |
| 2026-04-30 | - | - |
| 2026-01-29 | - | - |
| 2025-10-30 | - | - |
| 2025-07-31 | - | - |
| 2025-05-02 | - | - |
| 2025-02-06 | - | - |
| 2024-10-31 | - | - |
Filings and sources
- Company website
- ing.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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Understanding these figures
Price-to-earnings ratio · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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