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ING Group, N.V. ING

Financial — Banks Diversified

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Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership
5.08%

Capital & Financial Ratios

Market Cap
103,840.00
Revenue
9,036.02
Net Income
11,818.31
Free Cash Flow
40,153.36
Net Debt
(68,599.30)
Current Ratio
1.10
Debt/Equity
2.99
P/E ratio
15.42
P/S ratio
11.93
P/B ratio
1.67
Past 5Y EPS Growth
9.28%
This Y EPS Growth
14.05%
Next Y EPS Growth
16.55%
Next 5Y EPS Growth
15.41%
in millions of $

Dividends

Payout Ratio
0.34
Annual Dividend Rate
0.81
Annual Dividend Yield
8.23%
total individual payouts
2026 1.52
—
—
—
2025 10.96
—
—
—
2024 1.20
—
—
2023 0.81
—
—
—
2022 0.60
—
—
—
2021 0.00
—
—
2020 ‡‡‡
2019 0.76
—
—
2018 0.79
—
—
2017 0.75
—
—
2016 0.74
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 228,582.80 222,340.20 208,617.70 261,620.30
Receivables — — — —
Inventory — — — —
Other — — — —
947,253.90 985,632.90 1,055,965.00 1,182,043.00
2023 2024 2025 Q'26
Payables 728,964.80 766,542.30 837,111.60 935,947.90
ST’ Debt — — — —
Other 102,427.80 94,033.41 91,115.04 120,122.00
848,489.60 880,220.30 949,169.90 1,078,841.00
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡ ‡‡‡ ‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 — — — —
—
’25 2,121.75 — 2,563.40 —
70,212.42
’24 1,908.66 — 2,442.21 —
70,335.41
’23 1,669.14 6,258.70 1,974.36 —
58,832.75
’22 1,328.69 4,878.13 4,283.50 5,178.72
46,568.07
’21 1,433.46 5,007.14 1,485.79 5,254.55
32,118.80
’20 1,113.13 5,249.44 1,118.73 5,146.91
30,234.40
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 — 17,707.92 — —
—
’25 — 11,909.38 — —
(7,218.33)
’24 — 6,405.40 — —
(24,394.86)
’23 — 4,896.99 — —
(12,273.28)
’22 — 24,248.86 — —
(11,707.60)
’21 — (3,847.25) — —
(17,679.06)
’20 — 85,249.37 — —
115,649.90
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 — 17,294.00 — —
—
’25 — 11,798.13 — —
(7,571.33)
’24 — 6,246.02 — —
(24,700.01)
’23 — 4,815.21 — —
(12,477.83)
’22 — 24,159.47 — —
(11,863.53)
’21 — (3,937.61) — —
(17,850.61)
’20 — 85,095.22 — —
115,407.73
in millions of $

EPS

Mar Jun Sep Dec Year
’26 — — — —
—
’25 0.49 — 0.70 —
2.40
’24 0.52 — 0.65 —
2.14
’23 0.47 — 0.61 —
2.22
’22 0.12 0.32 — —
1.03
’21 0.31 — 0.41 —
1.45
’20 0.19 — 0.23 —
0.73

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 8.14 11.00 12.78 15.47 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.97 15.22 18.72 28.36 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 57,569 46,000 60,000 60,000 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.81 1.28 1.17 1.17 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 46,568.07 58,832.75 70,335.41 70,212.42 — — —
Revenue
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 68.82% 33.34% 32.51% 41.39% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18,288.39 6,533.85 8,410.08 13,340.34 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 39.27% 11.11% 11.96% 19.00% — — —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18,288.39 6,533.85 8,410.08 13,340.34 — — —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 749.11 729.47 728.25 752.38 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.87 16.51 21.78 23.48 — — —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 1.03 2.22 2.14 2.40 — — —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.23) (3.44) (7.56) (2.41) — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.04) (0.06) (0.09) (0.12) — — —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.28) (3.50) (7.65) (2.53) — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.60 16.90 18.00 20.94 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,619.10 3,562.90 3,228.70 2,989.70 — — —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.36 7.20 6.44 11.86 — — —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.95 3.48 3.99 9.17 — — —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.87 0.95 0.84 1.37 — — —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.07) (0.62) 2.46 8.78 — — —
EV/Sales
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.44) (0.09) 0.99 1.69 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11,707.60) (12,273.28) (24,394.86) (7,218.33) — — —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (155.93) (204.55) (305.15) (353.00) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11,863.53) (12,477.83) (24,700.01) (7,571.33) — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 74,724.40 98,764.30 105,412.60 106,795.10 — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 189,370.90 134,930.30 154,055.30 171,102.80 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (18,701.40) (93,652.50) (68,284.90) (37,514.90) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 60,059.41 60,206.18 58,106.61 62,610.54 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.19% 0.43% 0.53% 0.82% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡ 27.64% 0.00% 0.00% 33.22% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 20.85% 7.45% 9.76% 15.60% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

ING Group has demonstrated remarkable resilience, scaling revenues from €19.8 billion in 2016 to €70.3 billion in 2024—a 255% surge—powered by rising interest rates, digital efficiencies, and strategic expansions across retail, commercial, and wholesale banking. Despite profitability volatility, with net income peaking at €18.3 billion in 2022 before dipping to €6.5 billion in 2023 and rebounding to €8.4 billion in 2024, key metrics like revenue per employee (up 137% to €1.28 million in 2023) and aggressive share buybacks (17% reduction in shares outstanding) underscore operational leverage and shareholder focus amid headcount cuts and automation.

The bank’s fortress-like balance sheet, with steady equity around €58-60 billion and negative net debt, buffered shocks from the 2017 money-laundering scandal and COVID-19, while ROE at 9.8% in 2024 remains solid. Trading at deeply discounted valuations—PE at 6.4x, PB at 0.84x—ING’s stock has rallied over 500% from 2020 lows, yet lags peers, hinting at undervaluation despite negative FCF and margin pressures.

Analyst projections for 2025 signal potential transformation via mega-buybacks boosting EPS to €27.98 and ROE to 16.7%, though revenue dips and rate-cut risks temper optimism. This cyclical winner, blending efficiency gains with low multiples, emerges as an undervalued gem for patient investors eyeing buyback-driven rerating.

Read full commentary →

ING Group, N.V. (ING) Latest News

News by impact score

Fine-tune

14 Sep

3 , 4:19 PM
Treasury yields hitting 5% trigger market shocks that pressure bank margins and ING's interest rate exposure. Yield spikes alter ING net interest margins and short-term performance outlook.

18 Aug

3 , 2:00 AM
ING Group, N.V. reports progress on its share buyback programme. Share buyback progress reflects capital return to shareholders that may support stock valuation without altering core operations.

16 Aug

3 , 9:19 PM
Visa’s Agentic Ready Program advances issuer-layer readiness into production, with ING Group participating as an issuer in the initiative. Visa program brings ING issuer capabilities into live production, affecting operational tech and positioning.

11 Aug

3 , 2:00 AM
ING Group, N.V. (ING) reports progress on its share buyback programme. Share buyback progress typically offers moderate support to earnings per share and share price.

4 Aug

3 , 2:00 AM
ING Group advances its share buyback programme. Share buyback progress returns capital to shareholders and may support near-term valuation without altering long-term fundamentals.

31 Jul

4 , 9:01 PM
ING reported Q2 2026 results featuring 17% ROTE and upgraded financial guidance. Strong ROTE and raised outlook signal improved profitability and positive shifts in market positioning.

3 , 4:56 AM
ING Group, N.V. reported outcomes from its Extraordinary General Meeting where shareholders addressed and voted on key corporate resolutions. Extraordinary general meeting resolutions typically affect governance and may moderately influence strategy or operations.

30 Jul

3 www.marketbeat.com, 5:04 AM
ING Group Q2 earnings call highlights detail financial results, revenue trends, cost controls and strategic priorities for the period. Q2 earnings updates typically affect near-term sentiment and valuation without shifting long-term strategy.

3 , 12:59 AM
ING Group reported a net result of €1,947 million for the second quarter of 2026, driven by accelerated growth in customer base and balances. Positive quarterly earnings with customer expansion point to moderate effects on ING financial performance and sentiment.

29 Jul

4 , 5:50 AM
ING Groep plans $10 billion in credit risk transfer deals to expand lending capacity. $10 billion credit risk transfers enable ING to materially expand lending while transferring risk.

14 Jul

3 , 2:00 AM
ING Group advances its share buyback programme with further repurchases completed under the announced plan. Share buybacks reduce outstanding shares and return capital supporting earnings per share and stock price.

8 Jul

4 www.privatebankerinternational.com, 4:23 AM
ING Group has sealed a deal to acquire about 40% of Singular Bank. Acquisition of 40% stake in Singular Bank marks a major strategic expansion with potential to alter ING's competitive positioning.

7 Jul

3 , 2:00 AM
ING Group reports progress on its share buyback programme. Share buyback progress supports stock price via capital returns but does not alter core operations or long-term trajectory.

6 Jul

3 , 1:30 AM
ING makes strategic investment in Spanish wealth manager Singular Bank to accelerate private banking growth. Strategic investment in Singular Bank expands ING private banking operations and competitive position in Spain.

2 Jul

3 www.electronicpaymentsinternational.com, 12:00 PM
Worldline, ING and Visa completed a live agentic payment transaction in Europe. Agentic payment transaction completion shows payment innovation that may moderately influence ING competitive positioning.

3 , 7:45 AM
Worldline, ING and Visa completed a live agentic payment transaction in Europe. ING's completion of an agentic payment transaction advances its payment technology capabilities with potential moderate effects on innovation and positioning.

30 Jun

3 , 2:00 AM
ING Group has repurchased additional shares as part of its ongoing buyback programme, with specified volumes and total consideration spent to date. Share repurchases reduce outstanding equity and may provide modest support to earnings per share and stock price.

28 Jun

4 , 11:07 AM
ING launches subscription banking services in the Netherlands to compete with neobanks. Launch represents major strategic move to challenge fintech competitors in core domestic market.

27 Jun

4 , 10:46 AM
ING Groep introduces subscription-based banking model in the Netherlands. Subscription banking model rollout marks major strategic initiative likely to reshape ING competitive positioning and revenue in core market.

23 Jun

3 GlobeNewswire, 2:00 AM
ING Group, N.V. reports progress on its share buyback programme. Share buyback progress signals capital return to shareholders with moderate positive effect on stock performance.

16 Jun

3 , 2:27 AM
ING Group, N.V. reports continued progress on its share buyback programme. Share buyback execution returns capital to shareholders and may provide modest support to ING share price and sentiment.

11 Jun

4 www.retailbankerinternational.com, 7:54 AM
ING adopts subscription model across nine markets. Subscription model rollout across nine markets constitutes major strategic move that can alter ING competitive positioning and revenue structure.

10 Jun

4 GlobeNewswire, 12:00 AM
ING Group rolls out global subscription banking model. Global subscription model rollout marks major strategic expansion for ING.

3 Reuters, 7:41 AM
ING adopts subscription model to raise fees amid intensifying digital banking competition. Subscription shift targets fee growth but represents incremental adaptation to digital rivals.

7 Jun

3 Simply Wall St., 11:09 AM
ING Group executes first AI agent payment, drawing focus to fee growth potential from AI-driven services. AI payment marks innovation step likely to support fee revenue without immediate broad financial overhaul.

2 Jun

3 GlobeNewswire, 10:33 AM
Worldline and ING completed a live end-to-end European agentic payment in production. The production rollout of agentic payments with Worldline advances ING's European digital transaction capabilities.

3 GlobeNewswire, 2:00 AM
ING Group, N.V. reports progress on its share buyback programme. Ongoing share buybacks provide direct capital return to shareholders and can support near-term stock valuation.

26 May

4 app.moby.co, 11:30 AM
ING Group developed a trading system using AI in hours, drawing Wall Street attention to its rapid innovation capabilities. Rapid AI trading system build strengthens ING operational efficiency and competitive edge in financial markets.

3 GlobeNewswire, 2:00 AM
ING Group reports progress on its share buyback programme. Share buyback progress signals capital return that can support stock valuation and investor sentiment.

20 May

3 Reuters, 7:41 AM
Euro stablecoin project adds 25 new banks including ING Group, N.V. participation to expand network and support euro-denominated digital currency initiatives. ING's involvement in euro stablecoin expansion may moderately boost its fintech positioning without altering core operations.
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