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.
- Ticker
- ING
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Diversified
- 52-week range
- $24.35 - $37.52
Valuation
- Share price
- $31.82 (close of Nov 6, 2026)
- P/E (TTM)
- 10.19x
- Price to book
- 1.49x
- Price to free cash flow
- -12.22x
Price performance
| Period | Change |
|---|---|
| 1 day | -2.48% |
| 5 days | +1.14% |
| 1 month | -8.83% |
| 3 months | -10.89% |
| 6 months | +6.21% |
| Year to date | +13.64% |
| 1 year | +24.10% |
| 3 years | +139.97% |
| 5 years | +107.97% |
| 10 years | +142.53% |
| All time | +290.88% |
Short interest
- As of
- Oct 15, 2026
- Short % of float
- 0.09%
- Shares short
- 2.66M
- Days to cover
- 0.90
- Change since prior report
- -12.28%
- Source
- FINRA consolidated short interest
Profitability and growth
- Return on equity
- 15.04%
- Return on assets
- 0.79%
- Net margin
- 32.42%
- Revenue growth
- 21.77%
- Net income growth
- 56.06%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- -8.18%
- Net debt to EBITDA
- 4.87x
Latest reported year
- Period end
- Dec 31, 2025
- Fiscal year
- 2025
- Shares outstanding
- 2.99B
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|---|---|
| 2025-12-31 | 32.42% | 15.04% |
| 2024-12-31 | 25.30% | 9.93% |
| 2023-12-31 | 22.85% | 7.44% |
| 2022-12-31 | 39.86% | 21.27% |
| 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% |
| 2017-12-31 | 29.39% | 11.35% |
| 2016-12-31 | 27.79% | 10.39% |
Investor relations
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-10-29 | Sep 2026 | - |
| 2026-07-30 | Jun 2026 | - |
| 2026-04-30 | Mar 2026 | - |
| 2026-01-29 | Dec 2025 | - |
| 2025-10-30 | Sep 2025 | - |
| 2025-07-31 | Jun 2025 | - |
| 2025-05-02 | Mar 2025 | - |
| 2025-02-06 | Dec 2024 | - |
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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All Financial Services companies
Understanding these figures
Price-to-earnings ratio · Short interest · 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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