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ING Group NV ADR (ING) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · BANKS - DIVERSIFIED · DATA UPDATED 2026-07-19

ING Group NV ADR (ING) operates in the BANKS - DIVERSIFIED industry and is headquartered in Amsterdam, Netherlands with about 60,000 employees. Its market capitalization is roughly $94 billion. In the fiscal year ended 2025-12-31, ING reported $23.0B in revenue and $6.3B in net income.

ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking.

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ING Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$41.7B	$23.0B	$66.4B	$58.9B	$18.6B	$25.8B	$26.9B	$32.4B	$32.3B	$47.9B	$48.3B	$50.1B	$51.1B	$54.8B	$61.6B	$83.5B	$100.0B	$114.7B	$149.3B	$143.9B	$123.5B
Gross Profit	$40.4B	$21.7B	$21.4B	$22.2B	$18.6B	$17.8B	$15.2B	$16.9B	$17.4B	$16.9B	$16.4B	$15.0B	$13.6B	$12.8B	$11.3B	$30.7B	$43.3B	$44.3B	$62.1B	$76.0B	$73.4B
Gross Margin %	96.8%	94.3%	32.2%	37.6%	100.0%	69.0%	56.4%	52.2%	54.0%	35.3%	34.0%	30.0%	26.7%	23.4%	18.4%	36.7%	43.2%	38.6%	41.6%	52.8%	59.5%
Operating Income (EBIT)	$9.3B	$9.1B	$9.3B	$10.5B	$4.7B	$6.8B	$3.8B	$6.8B	$6.8B	$7.3B	$5.9B	$6.2B	$3.7B	$4.2B	$3.4B	$5.1B	$3.1B	($2.5B)	($5.2B)	$11.6B	$9.9B
Operating Margin %	22.2%	39.7%	14.0%	17.8%	25.2%	26.3%	14.1%	21.1%	20.9%	15.2%	12.2%	12.3%	7.3%	7.6%	5.5%	6.1%	3.0%	-2.2%	-3.5%	8.0%	8.1%
Net Income	$6.4B	$6.3B	$6.4B	$7.3B	$3.7B	$4.8B	$2.5B	$4.8B	$4.6B	$4.9B	$4.7B	$4.0B	$1.3B	$3.5B	$3.7B	$4.8B	$2.4B	($1.5B)	($3.5B)	$9.6B	$7.7B
Net Margin %	15.4%	27.5%	9.6%	12.4%	19.8%	18.5%	9.2%	14.7%	14.2%	10.2%	9.6%	8.0%	2.5%	6.5%	6.0%	5.7%	2.4%	-1.3%	-2.3%	6.7%	6.2%
EBITDA	$9.3B	$9.1B	$10.0B	$11.2B	$6.1B	$7.6B	$4.6B	$7.6B	$7.3B	$7.8B	$6.4B	$6.8B	$4.4B	$4.9B	$4.2B	$6.6B	$4.8B	($791M)	($3.7B)	$12.9B	$11.2B
Earnings Per Share (EPS)	$2.17	$2.12	$2.02	$2.04	$1.01	$1.23	$0.64	$1.23	$1.18	$1.26	$1.20	$1.04	$0.32	$0.92	$0.98	$1.25	$0.62	$-0.56	$-1.31	$3.43	$3.53
Shares Outstanding (M)	2,890M	2,984M	3,165M	3,565M	3,624M	3,891M	3,901M	3,895M	3,891M	3,886M	3,878M	3,856M	3,855M	3,834M	3,802M	3,789M	3,788M	2,692M	2,661M	2,808M	2,177M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ING Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	$5.8B	$5.8B	$5.9B	$24.3B	$5.6B	$5.4B	$5.9B	$5.7B
Gross Profit	$5.5B	$5.4B	$5.5B	$24.0B	$5.3B	$5.1B	$5.6B	$5.7B
Gross Margin %	94.1%	93.7%	94.4%	98.8%	94.5%	94.5%	94.3%	99.7%
Operating Income (EBIT)	$2.3B	$2.1B	$2.6B	$2.4B	$2.1B	$1.8B	$2.7B	$4.1B
Operating Margin %	38.8%	36.1%	43.7%	9.8%	37.7%	32.8%	45.1%	72.5%
Net Income	$1.6B	$1.4B	$1.8B	$1.7B	$1.5B	$1.2B	$1.9B	$1.8B
Net Margin %	26.7%	24.3%	30.5%	6.9%	25.8%	21.3%	31.8%	31.1%
EBITDA	$2.3B	$2.1B	$2.6B	$2.4B	$2.1B	$1.8B	$2.7B	($1.6B)
Earnings Per Share (EPS)	$0.54	$0.48	$0.60	$0.54	$0.47	$0.37	$0.59	$0.54
Shares Outstanding (M)	2,890M	2,916M	2,960M	3,096M	3,096M	3,130M	3,201M	3,275M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ING Free Cash Flow History

Cash flow	TTM → 2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$4.1B	($6.4B)	($22.5B)	($11.3B)	($11.1B)	($14.9B)	$103.2B	$13.1B	$6.9B	($5.3B)	$8.6B	$10.6B	$12.0B	($8.4B)	($9.3B)	$9.2B	($4.8B)	($27.4B)	$12.8B	$11.7B	$9.8B
Capital Expenditures (CapEx)	$475M	$351M	$332M	$246M	$231M	$184M	$287M	$355M	$286M	$264M	$351M	$353M	$375M	$388M	$423M	$499M	$527M	$640M	$708M	$575M	$568M
Free Cash Flow (FCF)	$3.6B	($6.7B)	($22.9B)	($11.6B)	($11.3B)	($15.1B)	$102.9B	$12.7B	$6.6B	($5.5B)	$8.2B	$10.2B	$11.6B	($8.8B)	($9.7B)	$8.7B	($5.3B)	($28.0B)	$12.1B	$11.1B	$9.2B
FCF Margin %	8.7%	-29.2%	-34.4%	-19.7%	-61.0%	-58.7%	382.0%	39.1%	20.5%	-11.5%	17.0%	20.4%	22.8%	-16.1%	-15.7%	10.4%	-5.3%	-24.4%	8.1%	7.7%	7.4%
Dividends Paid	$6.5B	$3.9B	$3.9B	$3.0B	$3.1B	$2.4B	$46M	$2.7B	$2.6B	$2.6B	$2.5B	$1.4B	$147.7B	$156.7B	$333.2B	$430.4B	—	$1.0B	$3.2B	$3.0B	$2.7B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ING Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2025-12-31	2025-06-30	2024-12-31	2024-06-30
Cash from Operations (CFO)	($6.4B)	$10.5B	($22.5B)	$5.9B
Capital Expenditures (CapEx)	$351M	$124M	$332M	$172M
Free Cash Flow (FCF)	($6.7B)	$10.4B	($22.9B)	$5.8B
FCF Margin %	-116.1%	42.7%	-423.1%	101.0%
Dividends Paid	$3.9B	$2.6B	$3.9B	$2.5B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ING Balance Sheet History

Balance sheet	2026-03-31	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$1.14T	$1.05T	$1.02T	$975.6B	$967.8B	$951.3B	$937.4B	$891.7B	$887.0B	$846.2B	$845.1B	$1.01T	$1.18T	$1.08T	$1.16T	$1.27T	$1.24T	$1.16T	$1.33T	$1.31T	$1.23T
Cash & Cash Equivalents	$68.6B	$52.9B	$70.0B	$89.9B	$87.3B	$108.0B	$112.2B	$53.2B	$50.0B	$22.0B	$19.7B	$20.7B	$12.2B	$13.3B	$56.7B	$76.5B	$13.1B	$15.4B	$22.0B	$12.4B	$14.3B
Total Liabilities	$1.09T	$1.00T	$969.2B	$923.4B	$917.4B	$116.6B	$79.6B	$135.8B	$835.3B	$795.1B	$794.7B	$956.8B	$1.12T	$1.03T	$1.11T	$1.23T	$1.20T	$1.12T	$1.30T	$1.27T	$1.19T
Total Debt (Short + Long-Term)	$182.9B	$169.3B	$160.2B	$217.4B	$194.7B	$159.6B	$137.5B	$201.1B	$201.0B	$127.0B	$139.2B	$86.5B	$273.0B	$328.5B	$147.2B	$129.7B	$114.1B	$123.0B	$152.0B	$137.6B	$96.9B
Total Shareholders' Equity	$50.9B	$49.7B	$50.3B	$51.2B	$50.4B	$834.7B	$857.8B	$755.9B	$51.7B	$51.1B	$50.4B	$47.8B	$50.4B	$42.4B	$49.5B	$42.5B	$38.4B	$31.1B	$17.3B	$37.2B	$38.3B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive ING viewer.

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