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ING stock logo

ING

ING Groep N.V.

$24.79
-0.33
 (-1.31%)
Exchange:   NYSE
Market Cap:   72.107B
Shares Outstanding:   1.565B
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Diversified
   
CEO:  Steven J. A. van Rijswijk
Full Time Employees:  60000
Address: 
Bijlmerdreef 106
Amsterdam
1102 CT
NL
Website:  https://www.ing.com
ING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, Germany, Poland, Rest of Europe, North America, Latin America, Asia, and Australia. It operates in six segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, Wholesale Banking, and Corporate Line Banking. The company accepts various deposits, such as current and savings accounts; and offers business lending products, as well as consumer lending products, such as residential mortgage loans, term loans, and revolver and personal loans. It also provides debt capital market, working capital, export finance, daily banking, treasury and risk, and corporate finance solutions; and specialized lending, equity market, finance, payments and cash management, and trade services and solutions, as well as savings, investment, insurance, mortgage, and digital banking services. The company serves customers, corporate clients, and financial institutions, including small and medium-sized, and mid-corporates. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

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Revenue Segmentation

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EPS

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Earnings Call

Latest materials on file: Q1 2025 (2025/05/02)

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue58,901,00066,409,00023,035,000
Gross Profit22,154,00021,413,00021,731,000
EBITDA11,166,0009,973,0009,148,000
Operating Income10,492,0009,300,0009,148,000
Net Income7,287,0006,392,0006,327,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets975,583,0001,020,545,0001,054,405,000
Total Liabilities923,399,000969,237,0001,003,452,000
Total Stockholders Equity51,240,00050,314,00049,698,000
Total Debt150,000,000171,327,000225,099,000
Cash and Cash Equivalents89,892,00070,353,00052,889,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-11,340,000-22,544,0000
Capital Expenditure-246,000-332,0000
Free Cash Flow-11,586,000-22,876,0000
Net Income4,139,0009,300,0006,327,000
Net Change in Cash-2,379,000-23,943,000-69,069,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)27,359,178.222Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)28,502,936.760Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)27,981,592.835Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)6,660,037.590Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)6,938,462.432Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)6,811,551.817Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)9,247,149.374Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)9,753,160.159Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)9,522,523.100Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)4,032,398.199Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)4,200,973.799Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)4,124,134.272Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.190Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.270Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.100Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
71.481B  ?P/S
 (TTM)
: 
1.51
?Net Income
 (TTM)
: 
6.914B  ?P/E
 (TTM)
: 
10.01
?Enterprise Value
 (TTM)
: 
179.005B  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0.06  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.03
?Net Debt
 (TTM)
: 
162.857B  ?Debt/Equity
 (TTM)
: 
3.41
?P/B
 (TTM)
: 
1.27  ?Current Ratio
 (TTM)
: 
0.13

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
7.92Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate ING Intrinsic Value

Common questions about ING valuation

Is ING Groep N.V. (ING) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for ING Groep N.V. (ING) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is ING a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ING trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is ING’s P/E ratio?

You can see ING’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for ING?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is ING a good long-term investment?

Whether ING fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

ING

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

-1.31
MARKETSnap

Trading Metrics:

Open: 24.91   Previous Close: 25.12
Day Low: 24.73   Day High: 25.3
Year Low: 16.47   Year High: 31.18
Price Avg 50: 28.49   Price Avg 200: 25.55
Volume: 3.211M   Average Volume: 2.796M

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See in Nexus

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ING Groep (ING) is a Great Momentum Stock: Should You Buy?
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ING Groep (ING) is a Great Momentum Stock: Should You Buy?
ING Groep N.V. (ING) Q4 2025 Earnings Call Transcript
29-01-2026 17:22
ING Groep N.V. (ING) Q4 2025 Earnings Call Transcript

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