ING Groep N.V. (ING) Earnings History
Annual and quarterly earnings data from 1997 to 2025
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 94.3% | 39.7% | 27.5% |
| 2024 | 32.2% | 14.0% | 9.6% |
| 2023 | 37.6% | 17.8% | 12.4% |
| 2022 | 50.8% | 16.4% | 10.9% |
| 2021 | 69.0% | 26.3% | 18.5% |
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ING Groep N.V. (ING) Earnings Overview
As of February 28, 2026, ING Groep N.V. (ING) reported trailing twelve-month net income of $6.33B, reflecting +0.3% year-over-year growth. The company earned $2.17 per diluted share over the past four quarters, with a net profit margin of 0.3%.
Looking at the long-term picture, ING's 5-year EPS compound annual growth rate (CAGR) stands at +27.1%, indicating exceptional earnings growth. The company achieved its highest annual net income of $12.02B in fiscal 2000.
ING Groep N.V. maintains positive profitability with a gross margin of 0.9%, operating margin of 0.4%, and net margin of 0.3%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including HSBC ($17.69B net income, 0.2% margin), SAN ($13.60B net income, 0.1% margin), BBVA ($10.41B net income, 0.3% margin), ING has outperformed on profitability metrics. Compare ING vs HSBC →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $6.33B | -1.0% | $9.15B | $2.12 | 27.5% | 39.7% |
| 2024 | $6.39B | -12.3% | $9.30B | $1.65 | 9.6% | 14.0% |
| 2023 | $7.29B | +98.3% | $10.49B | $1.16 | 12.4% | 17.8% |
| 2022 | $3.67B | -23.1% | $5.50B | $1.01 | 10.9% | 16.4% |
| 2021 | $4.78B | +92.2% | $6.78B | $1.23 | 18.5% | 26.3% |
| 2020 | $2.48B | -48.0% | $3.81B | $0.64 | 9.2% | 14.1% |
| 2019 | $4.78B | +3.8% | $6.83B | $1.23 | 14.7% | 21.1% |
| 2018 | $4.61B | -6.1% | $6.75B | $1.21 | 14.3% | 20.9% |
| 2017 | $4.91B | +5.5% | $7.27B | $1.26 | 10.2% | 15.2% |
| 2016 | $4.65B | +16.0% | $5.90B | $1.20 | 9.6% | 12.2% |
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Start ComparisonFrequently Asked Questions
Is ING growing earnings?
ING EPS of $2.17 reflects slowing growth at +0.3%, below the 5-year CAGR of +27.1%. TTM net income is $6.3B. Expansion rate has moderated.
What are ING's profit margins?
ING Groep N.V. net margin is +0.3%, with operating margin at +0.4%. Below-average margins reflect competitive or cost pressures.
How consistent are ING's earnings?
ING earnings data spans 1997-2025. The current earnings trend is +0.3% YoY. Historical data enables comparison across business cycles.