ING Groep NV (INGVF) stock

INGVFOTCCommercial Banks, NECFiscal year ends December 31Also trades as ING

Financials through fiscal 2025, year ended Dec 31, 2025Score 6/30

$33.33+0.00 (0.00%)

Close on Oct 19, 2026Market cap $96.74BP/E 10.7Yield 3.64%

ING Groep statistics

87 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: –
Last ex-dividend date: Apr 16, 2026
Fundamentals through: Jun 30, 2026
Share price as of: –

Valuation ratiosIndustry

Market Cap: €80.34B; –
Enterprise Value: €23.25B; –
PE Ratio: 9.96; –
PS Ratio: 3.13; –
PB Ratio: 1.48; –
P/TBV Ratio: 1.48; –

Enterprise valuationIndustry

EV / Sales: 0.91; –
EV / EBITDA: 0.88; –
EV / EBIT: 0.91; –

Share statisticsIndustry

Shares Outstanding: 2.90B; –
Shares Change (YoY): -7.40%; –
Float: 2.90B; –
Shares Held by Insiders: 0.00%; –
Shares Held by Institutions: 4.68%; –

Short sellingIndustry

Short Interest: 3M; –
Short Interest Change: -12.3%; –
Days to Cover: 1.00; –

Stock price statisticsIndustry

Price Change (1 Week): -5.13%; –
Price Change (1 Month): -11.1%; –
Price Change (3 Months): -14.0%; –
Price Change (6 Months): 8.76%; –
Price Change (YTD): 10.4%; –
Price Change (1 Year): 23.9%; –
Price Change (3 Years): 133.0%; –
Price Change (5 Years): 101.0%; –
Price Change (10 Years): 135.5%; –
Average Volume (10 Days): 3M; –
Average Volume (20 Days): 3M; –
Average Volume (90 Days): 2M; –
Relative Volume: 1.60; –
Relative Strength Index (14): 29.1; –
Volatility (1 Year): 27.5%; –
Beta (5 Years): 0.91; –

MarginsIndustry

Operating Margin: 100.0%; –
Pretax Margin: 45.9%; –
Profit Margin: 32.4%; –
EBITDA Margin: 102.6%; –
FCF Margin: -26.2%; –

Returns on capitalIndustry

Return on Equity (ROE): 15.6%; –
Return on Assets (ROA): 0.74%; –

Financial positionIndustry

Interest Coverage: 0.71; –

GrowthIndustry

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%; –

EfficiencyIndustry

Asset Turnover: 0.02; –
Revenue Per Employee: €51.36M; –
Profits Per Employee: €16.65M; –
Employee Count: 500; –
WACC: 9.46%; –

Income statement (TTM)Industry

Revenue: €25.68B; –
Operating Income: €25.68B; –
Pretax Income: €11.79B; –
Net Income: €8.32B; –
EBITDA: €26.34B; –
EPS (Diluted): 2.78 EUR; –

Balance sheetIndustry

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; –

Cash flow (TTM)Industry

Operating Cash Flow: -€6.38B; –
Capital Expenditures: -€351.00M; –
Free Cash Flow: -€6.73B; –
FCF Per Share: -2.32 EUR; –

Dividends and yieldsIndustry

Earnings Yield: 10.4%; –
FCF Yield: -8.38%; –
Dividend Yield: 3.92%; –
Buyback Yield: 4.61%; –
Shareholder Yield: 8.53%; –
Dividend Per Share: 1.09 EUR; –
Dividend Growth (YoY): 2.45%; –
Years of Dividend Growth: 1; –
Payout Ratio: 46.7%; –

Taxes and interestIndustry

Interest Expense: €36.37B; –
Income Tax: €3.19B; –
Effective Tax Rate: 27.1%; –

Scores and fair valueIndustry

Graham Number: 34.21 EUR; –
Graham Upside: 23.6%; –
Altman Z-Score: 0.19; –
Piotroski F-Score: 5; –
Lynch Fair Value: 69.50 EUR; –
Lynch Upside: 151.1%; –

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Oct 19, 2026. The S&P 500 is measured by the SPY fund.

Period	INGVF	S&P 500	Difference	INGVF per year	S&P 500 per year
1 month	-9.6%	+0.6%	−10.3 pts
3 months	-1.7%	+3.4%	−5.0 pts
Year to date	+25.2%	+13.3%	+11.9 pts
1 year	+41.2%	+16.6%	+24.6 pts
3 years	+204.6%	+86.4%	+118.2 pts	+45.0%	+23.1%
5 years	+205.5%	+81.9%	+123.7 pts	+25.0%	+12.7%
10 years	+352.2%	+318.9%	+33.3 pts	+16.3%	+15.4%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 15, 2026.

6M INGVF shares were sold short on Oct 15, 2026, down 47.1% from the previous report. At recent volumes it would take 37.2 days to buy them back.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 15, 2026	6,199,719	-47.1%	166,793	37.2
Sep 30, 2026	11,710,179	+0.3%	2,163	1000.0
Sep 15, 2026	11,670,553	-27.6%	1,562	1000.0
Aug 31, 2026	16,118,474	-14.5%	3,097	1000.0
Aug 14, 2026	18,857,247	+0.8%	2,044	1000.0
Jul 31, 2026	18,699,111	+16.8%	6,769	1000.0
Jul 15, 2026	16,011,569	+20.7%	8,618	1000.0
Jun 30, 2026	13,270,338	+3.7%	1,718	1000.0
Jun 15, 2026	12,792,263	-1.2%	654,503	19.6
May 29, 2026	12,952,936	-26.5%	6,495	1000.0
May 15, 2026	17,622,924	+7.7%	1,402	1000.0
Apr 30, 2026	16,364,253	-20.4%	2,169	1000.0

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

Where these numbers come from

Parsed from the XBRL in ING Groep's annual and quarterly filings with the SEC
Per-share figures adjusted for the 2-for-1 split on Jul 13, 2001
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Against peers

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is INGVF.

Compare: INGVF vs NWG · INGVF vs BMO · INGVF vs CM · INGVF vs WEBNF · INGVF vs RY

Revenue growth21.8% · median 10.4%

Net margin32.4% · median 31.3%

Company	Revenue	Growth
RY	C$71.16B	+10.4%
BMO	C$38.63B	+7.6%
CM	C$32.35B	+14.8%
INGVF	€25.68B	+21.8%
NWG	–	–
WEBNF	–	–

Company

Exchange: OTC
Industry: Commercial Banks, NEC
Fiscal year ends: December 31
Employees: 500
Auditor: KPMG Accountants N.V.
SEC CIK: 1039765

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