Ing Groep Nv
ING NYSE· Commercial Banks, Nec
Last close · Oct 30, 2026
$31.46
KIRA · Stoqly’s AI analyst, in plain words
- Ing Groep Nv had $29.0B of revenue in fiscal 2025, up 26.9% on the year before. Over five years, revenue changed +8.1% a year on average.
- Ing Groep Nv made $9.4B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.2% a year.
- Ing Groep Nv returned $8.6B to shareholders in fiscal 2025. The diluted share count fell 7.4%.
- It earned 15.9% on shareholders’ money.
Market cap
—
P/E
—
Revenue
$29.0B
Net income
$9.4B
Return on equity
15.9%
Efficiency ratio
—
Ing Groep Nv in 30 seconds · fiscal 2025
Are sales growing?
+26.9%
Yes. Sales grew 26.9% last year.
Does it make a profit?
32.4%
Yes. It keeps 32.4% of every sale as profit.
How much does it earn on its capital?
15.9%
Good. It earns 15.9% a year on shareholders’ money.
What Ing Groep Nv does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Feb 26, 2026
- Legal name
- ING GROEP NV
- CIK
- 0001039765
Ing Groep Nv · ING · stoqly.net
Results and finances
The last 5 fiscal years. Amounts in USD. Compiled by stoqly.net.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $23.8B | $32.0B | $19.6B | $22.8B | $29.0B |
| Revenue growth | 21.0% | 34.5% | −38.7% | 16.4% | 26.9% |
| Net interest income | $16.6B | $15.3B | $17.5B | $16.5B | $16.9B |
| Operating margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Net income | $7.0B | $12.7B | $4.5B | $5.8B | $9.4B |
| Net margin | 29.6% | 39.9% | 22.8% | 25.3% | 32.4% |
| Diluted EPS | $1.81 | $3.52 | $1.25 | $1.79 | $3.13 |
| Cash | |||||
| Cash from operations | −$17.7B | −$11.7B | −$12.3B | −$24.4B | −$7.2B |
| Capital expenditure | $218M | $243M | $266M | $359M | $396M |
| Free cash flow | −$17.9B | −$11.9B | −$12.5B | −$24.7B | −$7.6B |
| FCF margin | −75.3% | −37.3% | −63.9% | −108.5% | −26.2% |
| Dividends paid | $2.8B | $3.3B | $3.2B | $4.2B | $4.4B |
| Share buybacks | — | — | $3.8B | $4.1B | $4.2B |
| Share count change | −0.3% | −6.8% | −1.6% | −9.4% | −7.4% |
| Debt and strength | |||||
| Cash and short-term investments | $121.9B | $101.7B | $102.8B | $71.8B | $63.6B |
| Loans, net | $708.0B | $687.8B | $715.3B | $710.2B | $855.1B |
| Deposits | $699.3B | $683.5B | $718.6B | $718.6B | $847.6B |
| Shareholders' equity | $59.0B | $60.3B | $60.4B | $54.8B | $63.5B |
| Interest coverage | 2.8x | 2.2x | 0.5x | 0.5x | 0.7x |
| Returns and quality | |||||
| Return on equity | 11.5% | 21.4% | 7.4% | 10.0% | 15.9% |
| Return on tangible equity | 11.9% | 21.1% | 7.4% | 10.5% | 14.8% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Ing Groep Nv · ING · stoqly.net
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $31.46 a share, the company is worth —.
Compiled and analysed by stoqly.net from SEC EDGAR XBRL filings (CIK 0001039765). Latest version: stoqly.net/companies/ing. Data updated November 1, 2026. Filed in EUR under IFRS and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.