INGNYSECommercial Banks, NECFiscal year ends December 31Also trades as INGVF
ING GROEP NV
Financials through fiscal 2025, year ended Dec 31, 2025
$32.82−0.63 (-1.88%)
Close on Oct 19, 2026
Ing Groep statistics
Financials through Jun 30, 2026, price-based ratios appear once a share price is available
Valuation
| Market Cap | €85.11B |
|---|---|
| Enterprise Value | €28.01B |
| PE Ratio | 10.55 |
| PS Ratio | 3.31 |
| PB Ratio | 1.57 |
| P/TBV Ratio | 1.57 |
Enterprise value
| EV / Sales | 1.09 |
|---|---|
| EV / EBITDA | 1.06 |
| EV / EBIT | 1.09 |
Income (trailing twelve months)
| Revenue | €25.68B |
|---|---|
| Operating Income | €25.68B |
| Pretax Income | €11.79B |
| Net Income | €8.32B |
| EBITDA | €26.34B |
| EPS (Diluted) | 2.78 EUR |
Margins
| Operating Margin | 100.0% |
|---|---|
| Pretax Margin | 45.9% |
| Profit Margin | 32.4% |
| EBITDA Margin | 102.6% |
| FCF Margin | -26.2% |
Returns
| Return on Equity (ROE) | 15.6% |
|---|---|
| Return on Assets (ROA) | 0.74% |
Growth
| Revenue Growth (YoY) | 21.8% |
|---|---|
| Net Income Growth (YoY) | 56.1% |
| EPS Growth (YoY) | 68.5% |
| Revenue Growth (3Y CAGR) | -5.49% |
| Revenue Growth (5Y CAGR) | 8.31% |
| EPS Growth (3Y CAGR) | -6.03% |
| EPS Growth (5Y CAGR) | 36.8% |
Balance sheet
| Cash & Short-Term Investments | €58.24B |
|---|---|
| Net Cash (Debt) | €58.24B |
| Net Cash Per Share | 20.06 EUR |
| Equity (Book Value) | €54.31B |
| Book Value Per Share | 18.71 EUR |
| Tangible Book Value | €54.31B |
Financial position
| Interest Coverage | 0.71 |
|---|
Cash flow (trailing twelve months)
| Operating Cash Flow | -€6.38B |
|---|---|
| Capital Expenditures | -€351.00M |
| Free Cash Flow | -€6.73B |
| FCF Per Share | -2.32 EUR |
Efficiency
| Asset Turnover | 0.02 |
|---|---|
| Revenue Per Employee | €51.36M |
| Profits Per Employee | €16.65M |
| Employee Count | 500 |
Dividends and yields
| Earnings Yield | 9.78% |
|---|---|
| FCF Yield | -7.91% |
| Dividend Yield | 3.70% |
| Buyback Yield | 4.35% |
| Shareholder Yield | 8.06% |
| Dividend Per Share | 1.09 EUR |
| Dividend Growth (YoY) | 2.45% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 46.7% |
Shares
| Shares Outstanding | 2,902,440,000 |
|---|---|
| Shares Change (YoY) | -7.40% |
| Float | 2,902,440,000 |
| Shares Held by Insiders | 0.00% |
| Shares Held by Institutions | 4.68% |
Taxes
| Income Tax | €3.19B |
|---|---|
| Effective Tax Rate | 27.1% |
Scores
| Graham Number | 34.21 EUR |
|---|---|
| Graham Upside | 16.7% |
| Altman Z-Score | 0.19 |
| Piotroski F-Score | 5 |
Calculated by StockData from Ing Groep's SEC filings. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.