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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 2026-09-19

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 $104 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 statementTTM → 2026-03-312025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-31
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)2,890M2,984M3,165M3,565M3,624M3,891M3,901M3,895M3,891M3,886M3,878M3,856M3,855M3,834M3,802M3,789M3,788M2,692M2,661M2,808M2,177M

EUR; €M / €B as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ING Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-30
Total Revenue€6.3B€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€1.9B€1.6B€1.4B€1.8B€1.7B€1.5B€1.2B€1.9B€1.8B
Net Margin %31.1%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)—2,890M2,916M2,960M3,096M3,096M3,130M3,201M3,275M

EUR; €M / €B as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ING Free Cash Flow History

Cash flowTTM → 2026-03-312025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-31
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 %—————————————————————
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

EUR; €M / €B as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ING Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow2025-12-312025-06-302024-12-312024-06-30
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 %————
Dividends Paid€3.9B€2.6B€3.9B€2.5B

EUR; €M / €B as marked (reporting currency). Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ING Balance Sheet History

Balance sheet2026-06-302025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-31
Total Assets€1.16T€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€65.0B€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€1.11T€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)€185.1B€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€50.2B€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

EUR; €M / €B as marked (reporting currency). 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.

ING Metric Deep Dives

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