ING GROEP NV (ING)

35.24 +0.40% (+0.14)

Over 1M: +3.5%

2026-08-28
Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles need the day’s open, high and low. Those are being collected now — a company shows them once its history has been refreshed.

34 34.5 35 35.5
31 Jul 5 Aug 10 Aug 13 Aug 18 Aug 21 Aug 26 Aug

Financials Annual

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
2021 — Revenue: 21.1B 2021 — Operating Cash Flow: -14.9B 2021 — Free Cash Flow: -15.1B 2022 — Revenue: 28.4B 2022 — Operating Cash Flow: -11.1B 2022 — Free Cash Flow: -11.3B 2023 — Revenue: 52.4B 2023 — Operating Cash Flow: -11.3B 2023 — Free Cash Flow: -11.6B 2023 — Net Income: 4.4B 2024 — Revenue: 59.2B 2024 — Operating Cash Flow: -22.5B 2024 — Free Cash Flow: -22.9B 2024 — Net Income: 5.6B 2025 — Revenue: 51.3B 2025 — Operating Cash Flow: -6.4B 2025 — Free Cash Flow: -6.7B 2025 — Net Income: 8.6B -20B 0 20B 40B 60B
2021 2022 2023 2024 2025
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2025-12-31, reported in EUR. The newest fact in the filings is dated 2025-12-31, 242 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

8.6
Oper. margin 50.0%
ROIC 2059.5%
OE margin -13.2%
Accruals 1.4%
ROE 15.9%
ROA 0.81%
Asset turnover 0.048×
FCF margin -13.1%
OCF / EBIT -0.25×
OCF margin -12.4%
Gross margin —
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

0.5
RPO / sales —
RPO growth —
Segment HHI —

0 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

5.0
ND/EBITDA —
Cash / Debt 51.6×
Cash runway 7.9 yr
Debt / Eq 0.019×
Debt payback 0.0 yr
Payout 45.2%
Current ratio —
F-score —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.0
Sales/sh Y/Y -6.3%
EPS Y/Y +66.1%
EPS CAGR 4Y +16.1%
Div. growth —
EBIT CAGR —
EBIT Y/Y —
EPS next Y —
Sales CAGR 4Y —
Sales Q/Q —

1 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.