ING Groep NV engages in the provision of banking, investments, life and non-life insurance, and retirement and asset management services. The company is headquartered in Amsterdam, Noord-Holland and currently employs 60,000 full-time employees. The firm offers banking services. The firm's segments include Retail Netherlands, which offers current and savings accounts, business lending, mortgages and other consumer lending in the Netherlands; Retail Belgium, which offers products that are similar to those in the Netherlands; Retail Germany, which offers current and savings accounts, mortgages and other customer lending; Retail Other, which offers products that are similar to those in the Netherlands, and Wholesale Banking, which offers wholesale banking activities (a full range of products from cash management to corporate finance), real estate and lease. The firm's Retail Banking business lines provide products and services to individuals, small and medium-sized enterprises (SMEs) and mid-corporates. ING's banking activities in Australia are undertaken by ING Bank (Australia) Limited (trading as ING Direct) and ING Bank NV Sydney Branch.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
09/30/2025
06/30/2025
03/31/2025
12/31/2024
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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--
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Other Non Operating Income (Expenses)
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--
--
--
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Pretax Income
13,832
4,655
2,560
4,493
2,124
4,439
Income Tax Expense
3,852
1,308
703
1,237
604
1,265
Net Income
9,569
3,197
1,787
3,130
1,455
3,034
Net Income Growth
50%
5%
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-7%
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-14%
Shares Outstanding (Diluted)
2,937.5
2,937.5
2,960.3
3,041.9
3,071.5
3,164.9
Shares Change (YoY)
-7%
-7%
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-8%
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-10%
EPS (Diluted)
3.25
1.08
0.6
1.03
0.47
0.96
EPS Growth
62%
13%
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1%
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-5%
Free Cash Flow
-6,731
-17,098
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10,367
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-28,652
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
665
335
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330
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342
EBIT
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EBIT Margin
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Effective Tax Rate
27.84%
28.09%
27.46%
27.53%
28.43%
28.49%
Follow-Up Questions
What are ING Groep N.V.'s key financial statements?
According to the latest financial statement (Form-10K), ING Groep N.V. has a total asset of $0, Net loss of $0
What are the key financial ratios for ING?
ING Groep N.V.'s Current ratio is 0, has a Net margin is 0, sales per share of $0.
How is ING Groep N.V.'s revenue broken down by segment or geography?
ING Groep N.V. largest revenue segment is Retail Netherlands Total Income, at a revenue of 4,968,000,000 in the most earnings release.For geography, Netherlands Total Income is the primary market for ING Groep N.V., at a revenue of 6,392,000,000.
Is ING Groep N.V. profitable?
no, according to the latest financial statements, ING Groep N.V. has a net loss of $0
Does ING Groep N.V. have any liabilities?
no, ING Groep N.V. has liability of 0
How many outstanding shares for ING Groep N.V.?
ING Groep N.V. has a total outstanding shares of 0