ING Groep N.V. (ING) 10-Year Financial Performance & Capital Metrics

ING • • Banking & Credit

Financial ServicesDiversified BanksEuropean universal banks

AboutING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, Germany, Poland, Rest of Europe, North America, Latin America, Asia, and Australia. It operates in six segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, Wholesale Banking, and Corporate Line Banking. The company accepts various deposits, such as current and savings accounts; and offers business lending products, as well as consumer lending products, such as residential mortgage loans, term loans, and revolver and personal loans. It also provides debt capital market, working capital, export finance, daily banking, treasury and risk, and corporate finance solutions; and specialized lending, equity market, finance, payments and cash management, and trade services and solutions, as well as savings, investment, insurance, mortgage, and digital banking services. The company serves customers, corporate clients, and financial institutions, including small and medium-sized, and mid-corporates. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.Show more

Net Interest Income $14.68B -2.3%
Total Revenue $23.04B -65.3%
Net Income $6.33B -1.0%
Return on Equity 12.37% +0.2%
Net Interest Margin 1.39% -5.4%
Efficiency Ratio 54.63% +199.5%
ROA 0.61% -4.8%
Equity / Assets 4.83% -3.9%
Book Value per Share 17.07 +5.3%
Tangible BV/Share 16.57 +4.9%
Debt/Equity 3.32 -0.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 20.6%
✓Efficient operations: 54.6% efficiency ratio
✓Share count reduced 5.7% through buybacks
✓Diversified revenue: 36.3% from non-interest income
✓Trading at only 1.4x book value

✗Weaknesses

✗High debt to equity ratio of 3.3x
✗Weak NIM of 1.4%
✗Thin capital base

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-7.48%

5Y-3.08%

3Y-11.83%

TTM-

Profit (Net Income) CAGR

10Y4.67%

5Y20.55%

3Y19.86%

TTM-1%

EPS CAGR

10Y7.38%

5Y27.07%

3Y28.04%

TTM-9.91%

ROCE

10Y Avg3.3%

5Y Avg3.58%

3Y Avg3.97%

Latest3.67%

Peer Comparison

European universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
HSBCHSBC Holdings plc	319.84B	93.16	15.03	10.64%	16.73%	8.9%	19.2%	1.26
SANBanco Santander, S.A.	181.42B	12.36	13.61	6.6%	9.68%	12.38%		4.50
BBVABanco Bilbao Vizcaya Argentaria, S.A.	130.92B	23.13	11.67	16.23%	31.85%	16.84%		2.41
NWGNatWest Group plc	66.16B	16.60	11.64	101.57%	16.81%	12.5%	1.41%	1.67
INGING Groep N.V.	83.27B	28.77	11.51	-65.31%	27.47%	12.42%		3.32
BCSBarclays PLC	83.73B	24.28	11.00	-48.05%	26.74%	9.17%		5.59

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	13.24B	13.71B	13.95B	14.08B	13.6B	13.62B	13.76B	15.98B	15.02B	14.68B
NII Growth %	5.41%	3.57%	1.7%	0.94%	-3.37%	0.09%	1.04%	16.13%	-5.97%	-2.28%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	44.18B	44.06B	28.17B	28.45B	22.7B	21.11B	28.47B	52.23B	58.91B	14.68B
Interest Expense	30.94B	30.35B	14.23B	14.38B	9.09B	7.5B	14.71B	36.25B	43.88B	0
Loan Loss Provision	974M	676M	656M	1.12B	2.65B	491M	1.83B	495M	1.11B	1.3B
Non-Interest Income+	4.16B	3.88B	4.15B	3.98B	4.24B	4.67B	5.13B	6.67B	7.5B	8.35B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	48.34B	47.94B	32.33B	32.44B	26.93B	25.78B	33.61B	58.9B	66.41B	23.04B
Revenue Growth %	-3.56%	-0.83%	-32.58%	0.35%	-16.97%	-4.27%	30.34%	75.27%	12.75%	-65.31%
Non-Interest Expense	10.53B	9.65B	10.69B	10.11B	11.38B	11.01B	11.56B	11.66B	12.11B	12.58B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	5.9B	7.27B	6.75B	6.83B	3.81B	6.78B	5.5B	10.49B	9.3B	9.15B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-4.36%	23.12%	-7.11%	1.23%	-44.26%	78.05%	-18.87%	90.69%	-11.36%	-1.63%
Pretax Income+	5.9B	7.27B	6.75B	6.83B	3.81B	6.78B	5.5B	10.49B	9.3B	9.15B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.62B	2.28B	2.04B	1.96B	1.25B	1.88B	1.73B	2.97B	2.65B	2.54B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	4.65B	4.91B	4.61B	4.78B	2.48B	4.78B	3.67B	7.29B	6.39B	6.33B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	15.98%	5.46%	-6.08%	3.78%	-48.02%	92.19%	-23.07%	98.34%	-12.28%	-1.02%
Net Income (Continuing)	4.29B	4.99B	4.71B	4.88B	2.56B	4.91B	3.78B	7.52B	6.65B	6.6B
EPS (Diluted)+	1.20	1.26	1.21	1.23	0.64	1.23	1.01	1.16	1.65	2.12
EPS Growth %	15.38%	5%	-3.97%	1.65%	-47.97%	92.19%	-17.89%	14.85%	42.24%	28.48%
EPS (Basic)	1.20	1.26	1.21	1.23	0.64	1.23	1.02	1.16	1.65	2.12
Diluted Shares Outstanding	3.88B	3.89B	3.89B	3.9B	3.9B	3.89B	3.62B	3.57B	3.17B	2.98B

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	56.85B	59.97B	102.87B	111.5B	164.93B	135.85B	118.23B	130.06B	114.74B	106.31B
Cash & Due from Banks	19.67B	24.45B	53.23B	55.01B	112.23B	106.06B	87.25B	89.89B	69.96B	52.89B
Short Term Investments	37.18B	35.52B	49.64B	56.5B	52.7B	29.8B	30.98B	40.17B	44.78B	53.42B
Total Investments+	809.64B	807.15B	823.8B	835.96B	823.01B	807.31B	830.34B	845.5B	896.35B	932.64B
Investments Growth %	-16.65%	-0.31%	2.06%	1.48%	-1.55%	-1.91%	2.85%	1.83%	6.01%	4.05%
Long-Term Investments	772.45B	771.64B	774.16B	779.46B	770.31B	777.51B	799.36B	805.33B	851.57B	879.21B
Accounts Receivables	5.59B	4.53B	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	907.58M	837.16M	918.76M	896.72M	532.34M	473.4M	460.18M	470.78M	475.99M	0
Intangible Assets	583.95M	669.93M	921.76M	997.56M	859.93M	686.03M	632.75M	731.77M	857.99M	1.51B
PP&E (Net)	2B	1.8B	1.66B	3.17B	2.84B	2.52B	2.45B	2.4B	2.43B	2.48B
Other Assets	4.41B	4.85B	4.62B	-5.93B	-4.18B	31.95B	43.62B	34.04B	48B	64.89B
Total Current Assets	63.73B	65.64B	103.91B	112.56B	166.14B	137.2B	119.5B	131.33B	116.13B	106.31B
Total Non-Current Assets	781.35B	780.58B	783.12B	779.35B	771.14B	814.09B	848.32B	844.25B	904.41B	948.09B
Total Assets+	845.08B	846.22B	887.03B	891.91B	937.27B	951.29B	967.82B	975.58B	1.02T	1.05T
Asset Growth %	-15.93%	0.13%	4.82%	0.55%	5.09%	1.5%	1.74%	0.8%	4.61%	3.32%
Return on Assets (ROA)	0.5%	0.58%	0.53%	0.54%	0.27%	0.51%	0.38%	0.75%	0.64%	0.61%
Accounts Payable	4.39B	3.61B	61M	0	0	0	0	0	0	0
Total Debt+	131.75B	112.05B	133.47B	135.12B	78.95B	116.01B	119.5B	150B	171.33B	169.33B
Net Debt	112.08B	90.06B	83.49B	81.91B	-33.28B	8.01B	32.25B	60.11B	101.37B	116.44B
Long-Term Debt	131.75B	112.05B	133.47B	118.18B	77.39B	114.79B	118.32B	148.84B	170.21B	169.33B
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	55.62B	40.57B	-12.23B	-4.59B	36.63B	33.51B	47.74B	38.95B	40.56B	15.04B
Total Current Liabilities	606.38B	632.2B	704.82B	728.29B	738.64B	746.49B	749.88B	734.25B	757.05B	819.08B
Total Non-Current Liabilities	188.3B	162.9B	130.47B	115.8B	142.97B	150.15B	167.52B	189.15B	212.19B	184.37B
Total Liabilities	794.68B	795.1B	835.29B	844.09B	881.62B	896.63B	917.41B	923.4B	969.24B	1T
Total Equity+	50.4B	51.12B	51.73B	54.66B	55.66B	54.66B	50.41B	52.18B	51.31B	50.95B
Equity Growth %	3.98%	1.43%	1.2%	5.66%	1.82%	-1.8%	-7.77%	3.51%	-1.67%	-0.69%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	9.41%	9.66%	8.96%	8.99%	4.5%	8.66%	6.99%	14.21%	12.35%	12.37%
Book Value per Share	12.99	13.13	13.31	14.03	14.27	14.05	13.91	14.64	16.21	17.07
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	39M	17.05B	17.09B	39M	39M	39M	37M	35M	31M	49.7B
Additional Paid-in Capital	16.95B	17.01B	17.05B	17.08B	17.09B	17.11B	17.12B	17.12B	17.12B	0
Retained Earnings	26.91B	31.52B	33.2B	32.66B	35.18B	37.32B	34.94B	36.85B	33.85B	0
Accumulated OCI	5.91B	1.85B	656M	4B	2.33B	1.07B	-985M	-771M	77M	0
Treasury Stock	-8M	-15M	-11M	-10M	-4M	-1.61B	-1.21B	-1.99B	-765M	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	8.55B	-5.25B	6.92B	13.05B	18.46B	-14.94B	-11.11B	-11.34B	-22.54B	0
Operating CF Growth %	-19.14%	-161.42%	231.64%	88.79%	41.39%	-180.95%	25.64%	-2.05%	-98.8%	100%
Net Income	6.34B	7.27B	6.84B	6.83B	3.81B	5.95B	5.5B	10.49B	9.3B	6.33B
Depreciation & Amortization	536M	520M	520M	789M	829M	834M	711M	674M	673M	0
Deferred Taxes	0	0	0	-41M	-19M	0	-26M	0	0	0
Other Non-Cash Items	866M	-312M	-2.71B	-1.19B	-82.52B	18.35B	5.91B	-4.57B	-1.21B	-6.33B
Working Capital Changes	809M	-12.73B	2.27B	6.63B	96.34B	-40.11B	-23.24B	-17.94B	-31.31B	0
Cash from Investing+	6.13B	11.75B	5.45B	-2.5B	-8.49B	6.22B	-5.31B	-8.54B	-6.03B	0
Purchase of Investments	-29.07B	-25.55B	-28.86B	-29.44B	-54.8B	-58.4B	-43.7B	-69.97B	-131.55B	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	1.37B	1.89B	-111M	-17M	-3M	27M	7M	0	0	0
Other Investing	-64M	-40M	223M	825M	73M	38M	83M	58M	50M	0
Cash from Financing+	-19.06B	-3.95B	15.98B	-4.15B	-34.8B	5.39B	4.65B	18.4B	5.37B	0
Dividends Paid	-2.52B	-2.56B	-2.61B	-2.68B	-3M	-2.38B	-3.09B	-2.97B	-3.88B	0
Share Repurchases	0	0	0	0	0	-1.61B	-1.72B	-3.53B	-3.82B	0
Stock Issued	10M	7M	4M	1M	5M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	1000K	1000K	0
Other Financing	10M	18.29B	31.63B	3M	0	1M	-1M	0	1M	0
Net Change in Cash+	-4.21B	2.81B	28.55B	6.5B	57.54B	-3.9B	-12.27B	-2.38B	-23.94B	-69.07B
Exchange Rate Effect	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	0
Cash at Beginning	20.38B	16.16B	18.98B	47.53B	54.03B	111.57B	107.67B	95.39B	93.01B	69.07B
Cash at End	16.16B	18.98B	47.53B	54.03B	111.56B	107.67B	95.39B	93.01B	69.07B	0
Interest Paid	0	0	0	0	0	0	0	33.73B	41.19B	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	8.2B	-5.52B	6.63B	12.7B	102.89B	-15.13B	-11.34B	-11.59B	-22.88B	0
FCF Growth %	-19.78%	-167.26%	220.16%	91.58%	710.17%	-114.7%	25.01%	-2.14%	-97.45%	100%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	9.41%	9.66%	8.96%	8.99%	4.5%	8.66%	6.99%	14.21%	12.35%	12.37%
Return on Assets (ROA)	0.5%	0.58%	0.53%	0.54%	0.27%	0.51%	0.38%	0.75%	0.64%	0.61%
Net Interest Margin	1.57%	1.62%	1.57%	1.58%	1.45%	1.43%	1.42%	1.64%	1.47%	1.39%
Efficiency Ratio	21.77%	20.13%	33.08%	31.16%	42.26%	42.71%	34.4%	19.8%	18.24%	54.63%
Equity / Assets	5.96%	6.04%	5.83%	6.13%	5.94%	5.75%	5.21%	5.35%	5.03%	4.83%
Book Value / Share	12.99	13.13	13.31	14.03	14.27	14.05	13.91	14.64	16.21	17.07
NII Growth	5.41%	3.57%	1.7%	0.94%	-3.37%	0.09%	1.04%	16.13%	-5.97%	-2.28%
Dividend Payout	54.2%	52.27%	56.59%	56.03%	0.12%	49.87%	84.19%	40.72%	60.69%	-

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ING Groep N.V. (ING) 10-Year Financial Performance & Capital Metrics

ING • • Banking & Credit

Financial ServicesDiversified BanksEuropean universal banks

Net Interest Income $14.68B -2.3%
Total Revenue $23.04B -65.3%
Net Income $6.33B -1.0%
Return on Equity 12.37% +0.2%
Net Interest Margin 1.39% -5.4%
Efficiency Ratio 54.63% +199.5%
ROA 0.61% -4.8%
Equity / Assets 4.83% -3.9%
Book Value per Share 17.07 +5.3%
Tangible BV/Share 16.57 +4.9%
Debt/Equity 3.32 -0.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 20.6%
✓Efficient operations: 54.6% efficiency ratio
✓Share count reduced 5.7% through buybacks
✓Diversified revenue: 36.3% from non-interest income
✓Trading at only 1.4x book value

✗Weaknesses

✗High debt to equity ratio of 3.3x
✗Weak NIM of 1.4%
✗Thin capital base

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-7.48%

5Y-3.08%

3Y-11.83%

TTM-

Profit (Net Income) CAGR

10Y4.67%

5Y20.55%

3Y19.86%

TTM-1%

EPS CAGR

10Y7.38%

5Y27.07%

3Y28.04%

TTM-9.91%

ROCE

10Y Avg3.3%

5Y Avg3.58%

3Y Avg3.97%

Latest3.67%

Peer Comparison

European universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
HSBCHSBC Holdings plc	319.84B	93.16	15.03	10.64%	16.73%	8.9%	19.2%	1.26
SANBanco Santander, S.A.	181.42B	12.36	13.61	6.6%	9.68%	12.38%		4.50
BBVABanco Bilbao Vizcaya Argentaria, S.A.	130.92B	23.13	11.67	16.23%	31.85%	16.84%		2.41
NWGNatWest Group plc	66.16B	16.60	11.64	101.57%	16.81%	12.5%	1.41%	1.67
INGING Groep N.V.	83.27B	28.77	11.51	-65.31%	27.47%	12.42%		3.32
BCSBarclays PLC	83.73B	24.28	11.00	-48.05%	26.74%	9.17%		5.59

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	13.24B	13.71B	13.95B	14.08B	13.6B	13.62B	13.76B	15.98B	15.02B	14.68B
NII Growth %	5.41%	3.57%	1.7%	0.94%	-3.37%	0.09%	1.04%	16.13%	-5.97%	-2.28%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	44.18B	44.06B	28.17B	28.45B	22.7B	21.11B	28.47B	52.23B	58.91B	14.68B
Interest Expense	30.94B	30.35B	14.23B	14.38B	9.09B	7.5B	14.71B	36.25B	43.88B	0
Loan Loss Provision	974M	676M	656M	1.12B	2.65B	491M	1.83B	495M	1.11B	1.3B
Non-Interest Income+	4.16B	3.88B	4.15B	3.98B	4.24B	4.67B	5.13B	6.67B	7.5B	8.35B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	48.34B	47.94B	32.33B	32.44B	26.93B	25.78B	33.61B	58.9B	66.41B	23.04B
Revenue Growth %	-3.56%	-0.83%	-32.58%	0.35%	-16.97%	-4.27%	30.34%	75.27%	12.75%	-65.31%
Non-Interest Expense	10.53B	9.65B	10.69B	10.11B	11.38B	11.01B	11.56B	11.66B	12.11B	12.58B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	5.9B	7.27B	6.75B	6.83B	3.81B	6.78B	5.5B	10.49B	9.3B	9.15B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-4.36%	23.12%	-7.11%	1.23%	-44.26%	78.05%	-18.87%	90.69%	-11.36%	-1.63%
Pretax Income+	5.9B	7.27B	6.75B	6.83B	3.81B	6.78B	5.5B	10.49B	9.3B	9.15B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.62B	2.28B	2.04B	1.96B	1.25B	1.88B	1.73B	2.97B	2.65B	2.54B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	4.65B	4.91B	4.61B	4.78B	2.48B	4.78B	3.67B	7.29B	6.39B	6.33B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	15.98%	5.46%	-6.08%	3.78%	-48.02%	92.19%	-23.07%	98.34%	-12.28%	-1.02%
Net Income (Continuing)	4.29B	4.99B	4.71B	4.88B	2.56B	4.91B	3.78B	7.52B	6.65B	6.6B
EPS (Diluted)+	1.20	1.26	1.21	1.23	0.64	1.23	1.01	1.16	1.65	2.12
EPS Growth %	15.38%	5%	-3.97%	1.65%	-47.97%	92.19%	-17.89%	14.85%	42.24%	28.48%
EPS (Basic)	1.20	1.26	1.21	1.23	0.64	1.23	1.02	1.16	1.65	2.12
Diluted Shares Outstanding	3.88B	3.89B	3.89B	3.9B	3.9B	3.89B	3.62B	3.57B	3.17B	2.98B

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	56.85B	59.97B	102.87B	111.5B	164.93B	135.85B	118.23B	130.06B	114.74B	106.31B
Cash & Due from Banks	19.67B	24.45B	53.23B	55.01B	112.23B	106.06B	87.25B	89.89B	69.96B	52.89B
Short Term Investments	37.18B	35.52B	49.64B	56.5B	52.7B	29.8B	30.98B	40.17B	44.78B	53.42B
Total Investments+	809.64B	807.15B	823.8B	835.96B	823.01B	807.31B	830.34B	845.5B	896.35B	932.64B
Investments Growth %	-16.65%	-0.31%	2.06%	1.48%	-1.55%	-1.91%	2.85%	1.83%	6.01%	4.05%
Long-Term Investments	772.45B	771.64B	774.16B	779.46B	770.31B	777.51B	799.36B	805.33B	851.57B	879.21B
Accounts Receivables	5.59B	4.53B	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	907.58M	837.16M	918.76M	896.72M	532.34M	473.4M	460.18M	470.78M	475.99M	0
Intangible Assets	583.95M	669.93M	921.76M	997.56M	859.93M	686.03M	632.75M	731.77M	857.99M	1.51B
PP&E (Net)	2B	1.8B	1.66B	3.17B	2.84B	2.52B	2.45B	2.4B	2.43B	2.48B
Other Assets	4.41B	4.85B	4.62B	-5.93B	-4.18B	31.95B	43.62B	34.04B	48B	64.89B
Total Current Assets	63.73B	65.64B	103.91B	112.56B	166.14B	137.2B	119.5B	131.33B	116.13B	106.31B
Total Non-Current Assets	781.35B	780.58B	783.12B	779.35B	771.14B	814.09B	848.32B	844.25B	904.41B	948.09B
Total Assets+	845.08B	846.22B	887.03B	891.91B	937.27B	951.29B	967.82B	975.58B	1.02T	1.05T
Asset Growth %	-15.93%	0.13%	4.82%	0.55%	5.09%	1.5%	1.74%	0.8%	4.61%	3.32%
Return on Assets (ROA)	0.5%	0.58%	0.53%	0.54%	0.27%	0.51%	0.38%	0.75%	0.64%	0.61%
Accounts Payable	4.39B	3.61B	61M	0	0	0	0	0	0	0
Total Debt+	131.75B	112.05B	133.47B	135.12B	78.95B	116.01B	119.5B	150B	171.33B	169.33B
Net Debt	112.08B	90.06B	83.49B	81.91B	-33.28B	8.01B	32.25B	60.11B	101.37B	116.44B
Long-Term Debt	131.75B	112.05B	133.47B	118.18B	77.39B	114.79B	118.32B	148.84B	170.21B	169.33B
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	55.62B	40.57B	-12.23B	-4.59B	36.63B	33.51B	47.74B	38.95B	40.56B	15.04B
Total Current Liabilities	606.38B	632.2B	704.82B	728.29B	738.64B	746.49B	749.88B	734.25B	757.05B	819.08B
Total Non-Current Liabilities	188.3B	162.9B	130.47B	115.8B	142.97B	150.15B	167.52B	189.15B	212.19B	184.37B
Total Liabilities	794.68B	795.1B	835.29B	844.09B	881.62B	896.63B	917.41B	923.4B	969.24B	1T
Total Equity+	50.4B	51.12B	51.73B	54.66B	55.66B	54.66B	50.41B	52.18B	51.31B	50.95B
Equity Growth %	3.98%	1.43%	1.2%	5.66%	1.82%	-1.8%	-7.77%	3.51%	-1.67%	-0.69%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	9.41%	9.66%	8.96%	8.99%	4.5%	8.66%	6.99%	14.21%	12.35%	12.37%
Book Value per Share	12.99	13.13	13.31	14.03	14.27	14.05	13.91	14.64	16.21	17.07
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	39M	17.05B	17.09B	39M	39M	39M	37M	35M	31M	49.7B
Additional Paid-in Capital	16.95B	17.01B	17.05B	17.08B	17.09B	17.11B	17.12B	17.12B	17.12B	0
Retained Earnings	26.91B	31.52B	33.2B	32.66B	35.18B	37.32B	34.94B	36.85B	33.85B	0
Accumulated OCI	5.91B	1.85B	656M	4B	2.33B	1.07B	-985M	-771M	77M	0
Treasury Stock	-8M	-15M	-11M	-10M	-4M	-1.61B	-1.21B	-1.99B	-765M	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	8.55B	-5.25B	6.92B	13.05B	18.46B	-14.94B	-11.11B	-11.34B	-22.54B	0
Operating CF Growth %	-19.14%	-161.42%	231.64%	88.79%	41.39%	-180.95%	25.64%	-2.05%	-98.8%	100%
Net Income	6.34B	7.27B	6.84B	6.83B	3.81B	5.95B	5.5B	10.49B	9.3B	6.33B
Depreciation & Amortization	536M	520M	520M	789M	829M	834M	711M	674M	673M	0
Deferred Taxes	0	0	0	-41M	-19M	0	-26M	0	0	0
Other Non-Cash Items	866M	-312M	-2.71B	-1.19B	-82.52B	18.35B	5.91B	-4.57B	-1.21B	-6.33B
Working Capital Changes	809M	-12.73B	2.27B	6.63B	96.34B	-40.11B	-23.24B	-17.94B	-31.31B	0
Cash from Investing+	6.13B	11.75B	5.45B	-2.5B	-8.49B	6.22B	-5.31B	-8.54B	-6.03B	0
Purchase of Investments	-29.07B	-25.55B	-28.86B	-29.44B	-54.8B	-58.4B	-43.7B	-69.97B	-131.55B	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	1.37B	1.89B	-111M	-17M	-3M	27M	7M	0	0	0
Other Investing	-64M	-40M	223M	825M	73M	38M	83M	58M	50M	0
Cash from Financing+	-19.06B	-3.95B	15.98B	-4.15B	-34.8B	5.39B	4.65B	18.4B	5.37B	0
Dividends Paid	-2.52B	-2.56B	-2.61B	-2.68B	-3M	-2.38B	-3.09B	-2.97B	-3.88B	0
Share Repurchases	0	0	0	0	0	-1.61B	-1.72B	-3.53B	-3.82B	0
Stock Issued	10M	7M	4M	1M	5M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	1000K	1000K	0
Other Financing	10M	18.29B	31.63B	3M	0	1M	-1M	0	1M	0
Net Change in Cash+	-4.21B	2.81B	28.55B	6.5B	57.54B	-3.9B	-12.27B	-2.38B	-23.94B	-69.07B
Exchange Rate Effect	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	0
Cash at Beginning	20.38B	16.16B	18.98B	47.53B	54.03B	111.57B	107.67B	95.39B	93.01B	69.07B
Cash at End	16.16B	18.98B	47.53B	54.03B	111.56B	107.67B	95.39B	93.01B	69.07B	0
Interest Paid	0	0	0	0	0	0	0	33.73B	41.19B	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	8.2B	-5.52B	6.63B	12.7B	102.89B	-15.13B	-11.34B	-11.59B	-22.88B	0
FCF Growth %	-19.78%	-167.26%	220.16%	91.58%	710.17%	-114.7%	25.01%	-2.14%	-97.45%	100%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	9.41%	9.66%	8.96%	8.99%	4.5%	8.66%	6.99%	14.21%	12.35%	12.37%
Return on Assets (ROA)	0.5%	0.58%	0.53%	0.54%	0.27%	0.51%	0.38%	0.75%	0.64%	0.61%
Net Interest Margin	1.57%	1.62%	1.57%	1.58%	1.45%	1.43%	1.42%	1.64%	1.47%	1.39%
Efficiency Ratio	21.77%	20.13%	33.08%	31.16%	42.26%	42.71%	34.4%	19.8%	18.24%	54.63%
Equity / Assets	5.96%	6.04%	5.83%	6.13%	5.94%	5.75%	5.21%	5.35%	5.03%	4.83%
Book Value / Share	12.99	13.13	13.31	14.03	14.27	14.05	13.91	14.64	16.21	17.07
NII Growth	5.41%	3.57%	1.7%	0.94%	-3.37%	0.09%	1.04%	16.13%	-5.97%	-2.28%
Dividend Payout	54.2%	52.27%	56.59%	56.03%	0.12%	49.87%	84.19%	40.72%	60.69%	-

ING Groep N.V. (ING) 10-Year Financial Performance & Capital Metrics

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Price & Volume

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Revenue History

Financial Ratios

ING Groep N.V. (ING) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare ING vs Peers

vs HSBC

vs SAN

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios