Sunday 11 October 2026
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ING Group, N.V.
ING Financial Banks Diversified
In the quarter to June 2026, revenue grew 29.8%, EPS grew 14.8% and free cash flow fell 27.0%, each against the same quarter a year earlier.
33.37
0.06
−0.18%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.09 | 14.33 | 7.51 | 8.50 | 12.68 | 9.64 | 12.36 | 7.20 | 6.44 | 11.86 |
Piotroski F-Score |
5 | 5 | 5 | 4 | 5 | 6 | 6 | 4 | 5 | 4 |
P/S ratio |
3.00 | 3.86 | 2.10 | 2.76 | 2.92 | 4.06 | 2.95 | 3.48 | 3.99 | 9.17 |
P/FCF ratio |
3.57 | 6.55 | 0.00 | 0.00 | 0.48 | 0.66 | 0.42 | 0.48 | 2.83 | 2.52 |
P/Operating CF |
(43.69) | (56.15) | (32.23) | (36.20) | (28.80) | (41.89) | (36.14) | (41.08) | 7.83 | 6.96 |
P/B ratio |
0.99 | 1.35 | 0.68 | 0.77 | 0.55 | 0.87 | 0.87 | 0.95 | 0.84 | 1.37 |
Price to Tangible BV |
1.03 | 1.39 | 0.71 | 0.79 | 0.56 | 0.89 | 0.89 | 0.98 | 0.86 | 1.41 |
EV/Sales |
(0.72) | 0.19 | (2.38) | 2.58 | (3.42) | (5.72) | (8.70) | (6.48) | (4.56) | (1.00) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(0.80) | 0.29 | 5.94 | (18.28) | (0.55) | (0.92) | (1.24) | (0.88) | (3.16) | (0.27) |
EV/FCF |
(0.86) | 0.32 | 5.33 | (13.01) | (0.56) | (0.93) | (1.25) | (0.89) | (3.23) | (0.27) |
Quick Ratio |
0.21 | 0.21 | 0.24 | 0.21 | 0.27 | 0.26 | 0.24 | 0.27 | 0.25 | 0.22 |
Current Ratio |
1.08 | 1.09 | 1.13 | 1.12 | 1.06 | 1.08 | 1.09 | 1.12 | 1.12 | 1.11 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
12.26% | 11.39% | 13.54% | 13.34% | 8.79% | 9.67% | 9.82% | 12.72% | 13.90% | 14.26% |
Debt/Equity |
2.16 | 1.96 | 2.40 | 2.28 | 1.56 | 1.74 | 1.68 | 2.24 | 2.65 | 2.73 |
Asset Turnover |
0.02 | 0.02 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.72 | (0.96) | 1.45 | 3.34 | 45.00 | (2.51) | (0.92) | (2.74) | (4.23) | (0.77) |
Capex/Depreciation |
(0.54) | (0.38) | (0.52) | (0.35) | (0.26) | (0.17) | (0.21) | (0.28) | (0.42) | (0.47) |
| 10.63% | 11.38% | 9.83% | 7.47% | 4.35% | 11.49% | 20.85% | 7.45% | 9.76% | 15.60% | |
| 0.59% | 0.65% | 0.56% | 0.43% | 0.25% | 0.64% | 1.19% | 0.43% | 0.53% | 0.82% | |
ROIC |
29.56% | 224.49% | 243.52% | 15.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 33.22% |
Return on Tangible Assets |
8.71% | 8.41% | 5.33% | 4.38% | 4.84% | 8.80% | 16.53% | 4.42% | 5.34% | 8.59% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
64.73% | 56.51% | 35.31% | 36.45% | 52.24% | 43.13% | 29.55% | 22.22% | 12.90% | 22.38% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(1.44) | (0.87) | (1.34) | (0.53) | (2.54) | 0.65 | 0.32 | (1.00) | (1.25) | (1.03) |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 17.02 | 22.75 | 18.14 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
9.02% | 6.98% | 13.32% | 11.77% | 7.89% | 10.38% | 8.09% | 13.90% | 15.52% | 8.43% |
Free Cash Flow Yield |
28.04% | 15.27% | (21.24%) | (7.19%) | 209.45% | 152.04% | 236.95% | 209.72% | 35.35% | 39.64% |
Revenue per Share |
5.11 | 5.41 | 9.75 | 9.05 | 7.75 | 8.26 | 12.87 | 16.51 | 21.78 | 23.48 |
Operating CF per Share |
2.44 | (1.53) | 2.10 | 3.75 | 29.66 | (4.55) | (3.23) | (3.44) | (7.56) | (2.41) |
Capex per Share |
(0.08) | (0.06) | (0.08) | (0.08) | (0.06) | (0.04) | (0.04) | (0.06) | (0.09) | (0.12) |
Free Cash Flow per Share |
2.36 | (1.59) | 2.02 | 3.68 | 29.60 | (4.59) | (3.28) | (3.50) | (7.65) | (2.53) |
Cash per Share |
39.34 | 41.62 | 50.96 | 42.31 | 61.78 | 62.96 | 57.49 | 64.16 | 68.86 | 69.78 |
Shareholders Equity per Share |
13.67 | 14.31 | 15.14 | 14.92 | 15.42 | 16.07 | 16.60 | 16.90 | 18.00 | 20.94 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
13.67 | 14.31 | 15.14 | 14.92 | 15.42 | 16.07 | 16.60 | 16.90 | 18.00 | 20.94 |
Free Cash Flow |
9,146.05 | (6,162.40) | 7,848.93 | 14,314.72 | 115,407.73 | (17,850.61) | (11,863.53) | (12,477.83) | (24,700.01) | (7,571.33) |
Working Capital |
61,022.30 | 71,423.60 | 103,439.00 | 96,356.80 | 49,877.30 | 77,060.90 | 74,724.40 | 98,764.30 | 105,412.60 | 106,795.10 |
Capital Expenditures |
(318.70) | (224.93) | (317.69) | (306.88) | (242.17) | (171.55) | (155.93) | (204.55) | (305.15) | (353.00) |
Net Current Asset Value |
(74,799.50) | (57,684.80) | (55,349.90) | (51,894.20) | (58,305.40) | (48,264.00) | (44,614.70) | (53,517.10) | (64,175.10) | (81,081.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 |
Price to Operating Income |
5.37 | 6.89 | 3.65 | 10.07 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.27 | 0.29 | 0.31 | 0.25 | 0.29 | 0.33 | 0.29 | 0.28 | 0.28 | 0.27 |
Cash ROIC |
2.86% | (1.89%) | 1.97% | 4.02% | 29.24% | (4.29%) | (3.21%) | (2.94%) | (5.68%) | (1.71%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.05 | 0.06 | 0.05 |
Inventory Turnover |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 15,700.77 | 15,491.61 | 27,864.92 | 36,365.00 | 18,473.31 | 6,784.21 | 5,893.65 | 7,425.14 |
Days of Inventory on Hand |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
585,024.90 | 632,903.90 | 676,094.55 | 691,342.75 | 733,872.70 | 808,290.45 | 782,965.80 | 731,889.05 | 747,753.55 | 801,826.95 |
Average Assets |
931,175.25 | 942,915.80 | 999,275.65 | 1,019,929.20 | 1,030,963.20 | 1,094,921.00 | 1,076,125.00 | 1,045,085.00 | 1,084,446.50 | 1,153,785.50 |
Average Common Equity |
51,805.27 | 54,256.33 | 57,210.75 | 58,494.86 | 59,123.75 | 61,300.93 | 61,264.73 | 60,132.26 | 59,156.40 | 60,358.55 |
Columns are period end dates