ING Groep N.V. ING FINANCIAL
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 17.1%, reflecting efficient use of shareholder capital.
Net profit has compounded at 19.9% per year over the last five years.
Trades at an undemanding P/E of 13.9.
Maintains a net profit margin of 34.5%.
Offers a dividend yield of 3.58%.
Recent Developments
- Dec 2025 Revenue of $22.90B (+1.5% YoY); net profit $6.33B.
- Trailing 12 Months Year-on-year growth — revenue +11.1%, earnings +22.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 6.6%, profit CAGR 19.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 6.63% |
| 1 Year: | 11.10% |
Compounded Profit Growth
| 5 Years: | 19.86% |
| 1 Year: | 22.10% |
Stock Price Performance
| 1 Year: | +56.69% |
| 6 Months: | +45.52% |
| 3 Months: | +29.31% |
| 1 Month: | +5.50% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)72.65 · Overbought
P/E of 13.92 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 34.5%.
- Profit CAGR of 19.9% over 5 years.
- Attractive dividend yield of 3.58%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ING ING Groep N.V. FINANCIAL | 37.16 | 13.92 | $105.87B | 3.58% | - | 17.12% | 6.63% | 19.86% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 5.70B | 5.85B | 5.80B | 5.82B | 6.26B |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - |
| Pretax Income | - | - | 2.37B | 2.56B | 2.10B | 2.26B | 2.92B |
| Tax Provision | - | - | 633.00M | 703.00M | 606.00M | 652.00M | 902.00M |
| Net Income | - | - | 1.68B | 1.79B | 1.41B | 1.56B | 1.95B |
| Diluted EPS | 0.37 | 0.47 | - | 0.60 | 0.48 | 0.54 | - |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 18.89B | 22.67B | 22.55B | 22.90B |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 14.71B | 36.25B | 43.88B | 36.37B |
| Pretax Income | - | 5.50B | 10.49B | 9.30B | 9.15B |
| Tax Provision | - | 1.73B | 2.97B | 2.65B | 2.54B |
| Net Income | - | 3.67B | 7.29B | 6.39B | 6.33B |
| Diluted EPS | - | 1.01 | 2.04 | 1.98 | 2.12 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | 967.82B | 975.58B | 1.02T | 1.05T |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 87.61B | 90.21B | 70.35B | 52.89B |
| Inventory | - | - | - | - |
| Receivables | 900.00M | 834.00M | 984.00M | 938.00M |
| Total Liabilities | 917.41B | 923.40B | 969.24B | 1.00T |
| Current Liabilities | - | - | - | - |
| Long Term Debt | 118.32B | 148.84B | 170.21B | 178.17B |
| Total Debt | 119.50B | 150.00B | 171.33B | 179.22B |
| Total Equity | 49.91B | 51.24B | 50.31B | 49.70B |
| Shares Outstanding | 3.73B | 3.50B | 3.15B | 3.02B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -11.11B | -11.34B | -22.54B | -6.38B |
| Investing Cash Flow | - | -5.31B | -8.54B | -6.03B | -15.70B |
| Financing Cash Flow | - | 4.65B | 18.40B | 5.37B | 8.24B |
| Capital Expenditure | - | -231.00M | -246.00M | -332.00M | -351.00M |
| Free Cash Flow | - | -11.34B | -11.59B | -22.88B | -6.73B |
| Net Change in Cash | - | -11.77B | -1.48B | -23.20B | -13.83B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 19.4% | 32.1% | 28.3% | 27.6% |
| ROE % | - | 7.4% | 14.2% | 12.7% | 12.7% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Morgan Stanley | 0.45% | 12.84M | $467.41M |
| 2 | FMR, LLC | 0.27% | 7.84M | $285.37M |
| 3 | Goldman Sachs Group Inc | 0.26% | 7.58M | $275.80M |
| 4 | Bank of America Corporation | 0.22% | 6.18M | $224.88M |
| 5 | Fisher Asset Management, LLC | 0.20% | 5.85M | $213.10M |
| 6 | Blackrock Inc. | 0.20% | 5.88M | $213.89M |
| 7 | Natixis Advisors, LLC | 0.18% | 5.26M | $191.57M |
| 8 | Jones Financial Companies, L.L.L.P. | 0.18% | 5.08M | $184.83M |
| 9 | Aristotle Capital Management, LLC | 0.17% | 4.76M | $173.20M |
| 10 | Northern Trust Corporation | 0.14% | 3.91M | $142.42M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ING
ING (NYSE: ING) spends €42M in a week buying back stock under €1B plan - Stock Titan
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ING Group (NYSE:ING) Reaches New 12-Month High - Should You Buy? - marketbeat.com
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ING (ENXTAM:INGA) Stock Looks Reasonable On Earnings While Fair Value Stays Strong - finance.yahoo.com
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ING Tops Two-Thirds of Its Share Buyback Program - marketscreener.com
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ING stock extends gains as buyback program passes two-thirds mark - AD HOC NEWS
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Why is ING stock climbing today? - Investing.com
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ING — Frequently Asked Questions
What is the current share price of ING Groep N.V. (ING)?
As of 2026-09-19 21:16 PDT, ING Groep N.V. (ING) trades at $37.16 on NYSE. Its 52-week range is $22.65 to $37.18.
What is the market capitalisation of ING?
ING Groep N.V. (ING) has a market capitalisation of $105.87B on NYSE.
What is the P/E ratio of ING?
ING trades at a trailing price-to-earnings (P/E) ratio of 13.92. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.80.
Does ING pay a dividend?
ING Groep N.V. (ING) currently offers a dividend yield of 3.58%.
What is the return on equity (ROE) of ING?
ING has a return on equity (ROE) of 17.12%.
Is ING a good stock to buy?
This page provides a data-driven analysis of ING Groep N.V. (ING), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.