39/100B31.810
USD
-0.82
(-2.51%)
Pre Open
Fair value26.72Plus+19%16Price 31.8137
Q4 FY2026 · Earnings report
EPS estimate 0.67Revenue estimate 7.17B
Q4 FY2026 · Earnings report
EPS estimate 0.67Revenue estimate 7.17B
If you had invested in ING Groep ago, it would be worth $4,181 today, against $4,128 in SPY and $6,186 in QQQ.
Arincen ScoreWhat is the Arincen Score? The Arincen Score grades a company out of 100 from 30 checks on its own reported figures, five checks in each of six parts.Beta
39/100
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash0
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation2
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength0
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders7.5
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
ING Groep key facts
- StyleWhat does a stock's style mean? The style label sorts a stock as growth, value, dividend, blend or speculative, with a 1 to 10 meter showing how strongly it fits.
- Dividend stock · 9.8/10Growth 4.0 · Value 4.8 · Dividend 9.8
- Day range
- 31.750 – 32.215
- 52-week range
- 24.350 – 37.520
- Market capitalizationWhat is market capitalization? Market cap is what the stock market values a whole company at: its share price times the number of its shares outstanding.
- 91.04B USD
- P/EWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 12.19
- PEG ratioWhat is the PEG ratio? The PEG ratio divides the P/E by the yearly earnings growth analysts expect, to show how much you pay for each point of growth.
- 0.66
- EPSWhat is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.
- 2.61
- Div YieldWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 5.80%
- Volume
- 0
- BetaWhat is beta in stocks? Beta measures how much a stock tends to move when the whole market moves: 1 moves with it, under 1 is calmer, over 1 swings more.
- 0.93
- ESG scoreWhat is an ESG score? An ESG score rates how a company handles the environment, its people and its governance, out of 100. Higher is better.
- 62.5/100Environment 57 · Social 65 · Governance 66
- Sector
- Financial Services
- Industry
- Banks - Diversified
- CEO
- Steven J. A. van Rijswijk
- Employees
- 63K
- Website
- ing.com
- IPO date
- 18 May 1994
ING Groep earningsWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
Next earnings · Q4 FY2026
EPS estimate
0.67 USD
Revenue estimate
7.17B USD
Last quarter · Q3 FY2026
EPS0.75Missed -5.1%Revenue6.95BMissed -1.6%
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q4 FY2026 | 0.67 | — | — | +19.64% | 7.17B | — | — | +3.72% | |
| Q3 FY2026 | 0.79 | 0.75 | -5.06% | +7.14% | 7.06B | 6.95B | -1.58% | +1.38% | |
| Q2 FY2026 | 0.75 | 0.79 | +5.33% | +23.44% | 6.99B | 7.23B | +3.40% | -74.69% | |
| Q1 FY2026 | 0.60 | 0.63 | +5.00% | +28.57% | 6.86B | 6.83B | -0.38% | +10.56% | |
| Q4 FY2025 | 0.50 | 0.56 | +12.00% | +43.59% | 6.67B | 6.92B | +3.67% | +23.52% | |
| Q3 FY2025 | 0.64 | 0.70 | +9.37% | +7.69% | 6.28B | 6.86B | +9.18% | -87.42% | |
| Q2 FY2025 | 0.59 | 0.64 | +8.47% | +10.34% | 6.22B | 28.56B | +358.95% | -4.68% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2027 | 3.32 | — | — | — | 29.88B | — | — | — |
| FY2025 | 2.44 | 2.39 | -1.90% | +11.68% | 26.82B | 48.51B | +80.89% | -47.25% |
| FY2024 | 2.08 | 2.14 | +3.08% | -3.17% | 23.48B | 91.96B | +291.73% | +276.75% |
| FY2023 | 2.27 | 2.21 | -2.56% | +110.64% | 24.71B | 24.41B | -1.21% | +24.16% |
| FY2022 | 1.10 | 1.05 | -4.78% | -28.63% | 19.45B | 19.66B | +1.06% | -8.57% |
ING Groep analyst forecastWhat is the analyst rating? The analyst rating sums up what the analysts covering a stock recommend, from strong buy to strong sell, by the share of them rating it a buy.
12-month price target
22.50 USD
-29.27%
Analysts' 1-year price targets range from 22.50 to 22.50, with an average of 22.50.
Past year
1-year forecast
Strong sellStrong buy
Buy
17 ratings
| Buy | 11 | |
| Hold | 6 | |
| Sell | 0 |
12-month price target
| Highest target | 22.50 |
| Average target | 22.50 |
| Lowest target | 22.50 |
| Current price | 31.81 |
ING Groep valuationWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 12.19
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 11.37
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 2.00
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 1.63
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- 23.98
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
91.04B USD
+
Total debt
254.30B USD
−
Cash and short-term investments
79.09B USD
=
Enterprise value
266.25B USD
Valuation over time
P/EForward P/EEstimate
ING Groep against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: Citigroup, Wells Fargo &, Bank of America, and JPMorgan Chase &, the US Banks - Diversified companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)Above its median12.26.214.0
- Gross marginHighest in 5 years94.3%32.2%94.3%Against its peers: 1 of 5Peers' median 58.0%
- Operating marginHighest in 5 years39.7%14.0%39.7%Against its peers: 1 of 5Peers' median 20.0%
- Net marginHighest in 5 years27.5%9.6%27.5%Against its peers: 1 of 5Peers' median 16.6%
- Return on equityAbove its median12.7%7.4%14.2%Against its peers: 2 of 5Peers' median 10.9%
- Free cash flow marginHighest in 5 years0.0%-58.7%0.0%Against its peers: 2 of 5Peers' median -29.7%
- Revenue growthLowest in 5 years-65.3%-65.3%75.3%Against its peers: 5 of 5Peers' median -0.9%
- EPS growthAt its median28.5%-17.9%92.2%Against its peers: 1 of 5Peers' median 17.6%
- Debt to EBITDAAbove its median18.51×13.43×19.23×Against its peers: 4 of 5Peers' median 12.26×
- Current ratioLowest in 5 years0.130.130.18Against its peers: 5 of 5Peers' median 0.45
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
ING Groep growth and profitabilityWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 40.88B EUR
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 6.75B EUR
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 96.60%
- Operating margin
- 24.37%
- Net margin
- 16.52%
Revenue / Net income
Revenue Net income Net margin
ING Groep revenue breakdown
By region
FY2022
30.0%Country of domicile29.1%Germany14.8%Belgium5.6%Poland3.2%Australia3.1%Spain3.0%United States2.0%Romania1.9%France1.7%Luxembourg1.2%Singapore1.2%Italy
| Region | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| Country of domicile | 8.83B | 30.0% | — |
| Germany | 8.57B | 29.1% | +189.5% |
| Belgium | 4.37B | 14.8% | +58.5% |
| Poland | 1.65B | 5.6% | +9.5% |
| Australia | 948.00M | 3.2% | +21.2% |
| Spain | 899.00M | 3.1% | +21.0% |
| United States | 892.00M | 3.0% | -4.7% |
| Romania | 584.00M | 2.0% | +18.0% |
| France | 557.00M | 1.9% | +78.0% |
| Luxembourg | 503.00M | 1.7% | +37.4% |
| Singapore | 354.00M | 1.2% | +6.9% |
| Italy | 345.00M | 1.2% | +3.0% |
| Switzerland | 290.00M | 1.0% | +20.3% |
| South Korea | 86.00M | 0.3% | +32.3% |
| Hungary | 82.00M | 0.3% | +86.4% |
| HONG KONG | 82.00M | 0.3% | +3.8% |
| Czechia | 78.00M | 0.3% | -22.0% |
| Ireland | 66.00M | 0.2% | -5.7% |
| Turkey | 64.00M | 0.2% | -80.9% |
| Ukraine | 45.00M | 0.2% | +104.5% |
| Taiwan | 33.00M | 0.1% | +26.9% |
| China | 30.00M | 0.1% | +15.4% |
| Japan | 30.00M | 0.1% | +20.0% |
| Austria | 19.00M | 0.1% | -89.1% |
| Brazil | 17.00M | 0.1% | +30.8% |
| Portugal | 15.00M | 0.1% | 0.0% |
| Slovakia | 15.00M | 0.1% | 0.0% |
| Philippines | 10.00M | 0.0% | +66.7% |
| Macao | 0.00 | 0.0% | — |
| Canada | 0.00 | 0.0% | — |
| Mexico | 0.00 | 0.0% | -100.0% |
| Malaysia | 0.00 | 0.0% | — |
| Indonesia | 0.00 | 0.0% | — |
| Mauritius | 0.00 | 0.0% | — |
| Sri Lanka | 0.00 | 0.0% | — |
| United Arab Emirates | -1.00M | -0.0% | — |
How ING Groep makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Revenue23.04B 100.0%
Cost of revenue1.30B 5.7%
Gross profit21.73B 94.3%
Other operating expenses12.58B 54.6%
Operating income9.15B 39.7%
Tax2.55B 11.0%
Other expense276.00M 1.2%
Net income6.33B 27.5%
FY2025, in EUR. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in EUR. Each band is as wide as its money; the percentage is its share of revenue.
ING Groep dividendsWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- Annual dividend
- 1.84 USD
- Dividend yield (indicated)What is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 5.80%
- Payout ratioWhat is the payout ratio? The payout ratio is the share of a company's earnings paid out as dividends: dividends per share divided by earnings per share (EPS).
- 58.32%
- Frequency
- Quarterly
- Last payment
- 0.46 USD
- Last ex-dividend dateWhat is the ex-dividend date? The ex-dividend date is the first day a stock trades without its next dividend: buy before it to receive the payment; buy on or after it and the seller gets it.
- 10 Aug 2026
- Last payment date
- 17 Aug 2026
Dividends per share
ING Groep financial health
- Cash and short-term investments
- 70.95B EUR
- Total debt
- 228.12B EUR
- Net cash
- -157.17B EUR
- Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
- 0.00 EUR
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 4.56
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 3 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- 0.18
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
ING Groep ownershipWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 4.72%
- Institutional holders
- 605 (+61)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 99.36%
Who owns the shares
Institutions 4.7% Others 95.3%
As of 30 Jun 2026
Shares free to trade
Free float 2.84B shares ·99.4% Closely held 18.43M shares ·0.6%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Source: Financial Modeling Prep
Title: ING Groep NV
Sector: Financial Services
Industry: Banks - Diversified
The merger of the Dutch postal bank and NN Insurance in 1991 created ING. Through a series of further acquisitions, ING has built up a global footprint. The financial crisis in 2008 forced ING to seek government support-a precondition of which was that ING should separate its banking and insurance activities, which saw ING revert to being solely a bank. ING has market-leading banking operations in the Netherlands and Belgium, and a range of digital banks across Europe and Australia. Its global wholesale banking operation is primarily focused on lending.