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Investlytic score: 3/5 criteria met. Data as of 03/10/2026.
- ✅ Price trend passed
- ✅ Growth passed
- ❌ Debt failed
- ✅ P/E passed
- ❌ Correction failed
Price trend
Overall trend (8 years): the price has been multiplied by at least 1.5.
Price change 2018 → 2019: 13.60%
Price change 2019 → 2020: -28.53%
Price change 2020 → 2021: 60.21%
Price change 2021 → 2022: -6.94%
Price change 2022 → 2023: 18.79%
Price change 2023 → 2024: 11.83%
Price change 2024 → 2025: 58.69%
Price change 2025 → 2026: 25.99%
Price change 2026 (year to date): 23.52%
Financial growth
Revenue CAGR (8 years): 3.99%
Earnings CAGR (8 years): 4.33%
Growth status: positive trend (>1%/yr) in revenue and earnings.
Debt
Debt-to-equity ratio: 4.92
Debt/equity > 0.5 (maximum threshold).
P/E (Price/Earnings)
P/E ratio: 14.08
P/E < 25.0 (maximum threshold).
Correction (6 months)
Current correction: 6.38% from the high over 6 months.
Insufficient correction (< 10.0%).
Criteria of the Investlytic model
- / 5Free with the Investlytic logo. Paste this line into your page: options.
<script src="https://investlytic.co/encart.js" data-symbole="INGA.AS" data-lang="en"></script>Price trend
Price & trend
Interactive chart →💰 Dividend
Dividend ranking →⚖️ Comparison with the market
All stocks →| Stock | P/E | Dette/FP | Revenue growth | Rating |
|---|---|---|---|---|
| ING Groep N.V. | 12.9 | 4.92 | −4.4 % | 🔒 |
| CaixaBank, S.A. | 13.8 | 2.22 | +17.8 % | ★ 4/5 |
| AXA S.A. | 11.0 | 1.45 | −0.8 % | – |
| BNP Paribas S.A. | 7.4 | 6.45 | +7.4 % | – |
| The Allstate Corporation | 5.8 | 0.24 | +5.1 % | ★ 4/5 |
Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.
Detailed analysis · Price trend
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Revenues & profits
Revenue and net income
Financial indicators
Annual financial statements
| Fiscal year | Revenue | Net income | Net margin | EPS | Revenue growth |
|---|
Key reported figures
Revenue, net income and net margin reported by ING Groep N.V. over the latest fiscal years.
| Fiscal year | Revenue | Net income | Net margin | Revenue growth |
|---|---|---|---|---|
| 2020 | 19.9 bn | 2.8 bn | 13.9 % | n/a |
| 2021 | 28.7 bn | 5.3 bn | 18.5 % | +44.7 % |
| 2022 | 37.5 bn | 4.1 bn | 10.9 % | +30.3 % |
| 2023 | 19.7 bn | 8.1 bn | 41.3 % | -47.5 % |
| 2024 | 25.2 bn | 7.1 bn | 28.3 % | +28.3 % |
| 2025 | 25.7 bn | 7.1 bn | 27.5 % | +1.9 % |
Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.
Accounts and financial health
Balance sheet and cash flow published by ING Groep N.V. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash and investments | 138 bn | 119 bn | 130 bn | 115 bn | 106 bn |
| Total Debt | 116 bn | 119 bn | 173 bn | 228 bn | 245 bn |
| Net Debt | 8.0 bn | 32.2 bn | 83.4 bn | 101 bn | 192 bn |
| Equity | 53.9 bn | 49.9 bn | 51.2 bn | 50.3 bn | 49.7 bn |
| Total assets | 951 bn | 968 bn | 976 bn | 1,021 bn | 1,054 bn |
| Operating cash flow | -14.9 bn | -11.1 bn | 5.1 bn | -55.8 bn | 160 m |
| Investments (capex) | 184 m | 231 m | 246 m | 332 m | 351 m |
| Free cash-flow | -15.1 bn | -11.3 bn | 4.8 bn | -56.1 bn | -191 m |
| Share buybacks | 1.6 bn | 1.7 bn | 3.5 bn | 3.8 bn | 3.7 bn |
| Dividends paid | 2.4 bn | 3.1 bn | 3.0 bn | 3.9 bn | 3.9 bn |
Amounts in EUR, currency of the published accounts.
Trailing 12-month ratios
Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.
Valuation and competitors
ING Groep N.V. compared with its sector on the same exchange and with its main competitors.
Direct competitors
| Company | Market cap (USD) | P/E | Net margin |
|---|---|---|---|
| ING Groep N.V. | 91.0 bn | 12.3 | 27.5 % |
| ABN AMRO Bank N.V. ABN.AS | 37.3 bn | 14.8 | 13.3 % |
| Deutsche Bank AG DBK.DE | 65.2 bn | 9.6 | 11.4 % |
| JPMorgan Chase & Co. JPM | 889 bn | 14.4 | 20.4 % |
| Bank of America Corporation BAC | 341 bn | 11.3 | 15.9 % |
| Banco Santander, S.A. SAN.MC | 173 bn | 10.3 | 11.8 % |
| Citigroup Inc. C | 200 bn | 11.6 | 8.5 % |
| Wells Fargo & Company WFC | 252 bn | 12.2 | 17.3 % |
Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 06/11/2026. Competitors: comparable companies named by the data provider.
Analyst consensus and forecasts
What the financial analysts covering ING Groep N.V. publish: ratings, price targets and earnings forecasts.
Breakdown of ratings
Price targets: published for companies listed in the United States only.
Analyst forecasts
| Fiscal year | Revenue | Net income | Expected EPS (range) | P/E on this EPS | Analysts |
|---|---|---|---|---|---|
| 2026 | 24.7 bn | 7.4 bn | 2.50 (2.41 / 2.56) | 11.3 | 14 |
| 2027 | 26.7 bn | 8.1 bn | 2.96 (2.59 / 3.20) | 9.5 | 14 |
| 2028 | 28.4 bn | 8.9 bn | 3.43 (2.80 / 3.82) | 8.2 | 13 |
Amounts in EUR, the reporting currency.
Track record against expectations: reported EPS above consensus 10 times over the last 12 releases.
Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.
Dividends and earnings
ING Groep N.V.: dividend history, last distributions, stock splits and earnings releases.
Annual dividend per share (EUR), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.
Latest ex-dividend dates
| Ex-dividend | Amount | Payment |
|---|---|---|
| 03/08/2026 | 0.400 EUR | 10/08/2026 |
| 16/04/2026 | 0.736 EUR | 24/04/2026 |
| 07/01/2026 | 0.172 EUR | 15/01/2026 |
| 04/08/2025 | 0.350 EUR | 11/08/2025 |
| 24/04/2025 | 0.710 EUR | 02/05/2025 |
| 08/01/2025 | 0.161 EUR | 16/01/2025 |
| 05/08/2024 | 0.350 EUR | 12/08/2024 |
| 24/04/2024 | 0.756 EUR | 03/05/2024 |
Earnings releases
| Date | Published EPS | Expected EPS | Surprise |
|---|---|---|---|
| 29/10/2026 | 0.66 | 0.69 | -5.0 % |
| 30/07/2026 | 0.67 | 0.63 | +6.2 % |
| 30/04/2026 | 0.53 | 0.47 | +12.2 % |
| 29/01/2026 | 0.48 | 0.44 | +6.9 % |
| 29/10/2025 | 0.61 | 0.54 | +12.3 % |
| 30/07/2025 | 0.57 | 0.53 | +8.4 % |
Stock splits
| Date | Operation |
|---|---|
| 30/11/2009 | split: 651 shares for 500 |
Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.
Who owns the stock
Free float, institutional investors, large funds, executives and elected officials: declared positions in ING Groep N.V.
Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 07/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.
PEA and practical information
Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.
Frequently asked questions about ING Groep N.V.
What is the ING Groep N.V. share price?
Latest recorded price: 28.72 EUR on 06/11/2026, for a market cap of 91.0 bn USD.
What is the revenue of ING Groep N.V.?
25.7 bn USD for fiscal year 2025, with net income of 7.1 bn USD (net margin 27.5 %).
Does ING Groep N.V. pay a dividend?
Yes. Latest dividend: 0.400 EUR per share, ex-dividend on 03/08/2026. Over 12 months: 1.31 EUR. Yield on the latest known price: 5.4 %.
When does ING Groep N.V. report its next earnings?
The next release is expected on 28/01/2027. EPS expected by analysts: 0.61.
What do analysts say about ING Groep N.V.?
Out of 17 analysts: 10 buy or strong buy, 7 hold, 0 sell or strong sell.
What is the P/E ratio of ING Groep N.V.?
Trailing 12-month P/E of 12.3.
Is ING Groep N.V. stock eligible for the French PEA?
Likely: the company is headquartered in the European Union or the European Economic Area (ISIN NL0011821202) and the stock is listed on a European exchange. The institution holding the PEA confirms eligibility.
How many employees does ING Groep N.V. have?
60,000 full-time employees according to the latest published profile.
Who runs ING Groep N.V.?
Steven J. A. van Rijswijk is the company's chief executive.