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Home CompaniesING Groep N.V

ING Groep N.V

Financial Services Banks - Diversified
PortfolioPortfolio WatchlistWatchlist
Company price
33.4 USD 0.00(0%)
Last update at 2026-11-10T21:00:00Z
VOLUME
100
Market Cap
50286.87M
P/E
8.45

Momentum Score

…

ING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, 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. It also offers business lending products; consumer lending products, such as residential mortgage loans, term loans, and other consumer lending loans; and secured and unsecured lending services. in addition, the company provides debt capital market, working capital solutions, export finance, daily banking, treasury and risk, and corporate finance solutions; and specialized lending, debt and equity market solutions, payments and cash management, and trade and treasury services, as well as savings, investment, insurance, mortgage, and digital banking services; and SME loans. It serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
32.35
Low
33.40
High
52 Week Price Range
10.38
Low
15.09
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

ING Groep N.V. is a Netherlands-headquartered banking group offering retail and wholesale banking, payments and lending across Europe. Long-term growth may be supported by scale in retail deposits, digital distribution and margin improvement from higher interest rates alongside ongoing cost-efficiency programs. A diversified deposit base and established brand appears positioned to generate relatively predictable cash flows.

Material risks include cyclical exposure to European slowdowns and credit losses, regulatory and compliance pressures, interest-rate volatility affecting margins and execution risk in technology and cost programs.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
33.40
Dividend Yield
5.08%
Revenue TTM
34055.00M
Revenue Per Share
9.76
Gross Profit TTM
29423.00M
Debt / Equity
2.39
ROE
29.72%
Net Debt
32246.00M
ROCE
3.71%
Diluted EPS TTM
1.77

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 5502.00M 6782.00M 3810.00M 6834.00M 6838.00M
Minority interest -102.00M -128.00M 1022.00M 893.00M 803.00M
Net income 3674.00M 4776.00M 2415.00M 4781.00M 4703.00M
Selling general administrative 6850.00M 6222.00M 6137.00M 6080.00M 5984.00M
Selling and marketing expenses 331.00M 305.00M 335.00M 391.00M 402.00M
Gross profit 18590.00M 18285.00M 17819.00M 18307.00M 18176.00M
Reconciled depreciation 711.00M 834.00M 829.00M 789.00M 520.00M
Ebit 5399.00M 6653.00M 3732.00M 6736.00M 6730.00M
Ebitda 6110.00M 7487.00M 4561.00M 7525.00M 7250.00M
Depreciation and amortization 711.00M 834.00M 829.00M 789.00M 520.00M
Non operating income net other - - - - 0.00M
Operating income 5399.00M 6653.00M 3732.00M 6736.00M 6730.00M
Other operating expenses 4416.00M 4572.00M 4276.00M 4141.00M 4063.00M
Interest expense 14714.00M 7498.00M 9111.00M 14377.00M 13852.00M
Tax provision 1725.00M 1877.00M 1070.00M 1652.00M 2116.00M
Interest income 28471.00M 13615.00M 22559.00M 28163.00M 27747.00M
Net interest income 13756.00M 13615.00M 13552.00M 13811.00M 13960.00M
Extraordinary items - - - - 0.00M
Non recurring - - - - 0.00M
Other items - - - - 0.00M
Income tax expense 1725.00M 1877.00M 1317.00M 1955.00M 2027.00M
Total revenue 18590.00M 18285.00M 17819.00M 18307.00M 18176.00M
Total operating expenses - - - 10244.00M 9884.40M
Cost of revenue - - - - 0.00M
Total other income expense net 103.00M 129.00M 78.00M 98.00M 108.00M
Discontinued operations - - - - 0.00M
Net income from continuing ops 3777.00M 4905.00M 2329.00M 4001.00M 4869.00M
Net income applicable to common shares 12126.00M 4776.00M 2485.00M 4781.00M 4703.00M
Preferred stock and other adjustments - - - - 0.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 967817.00M 951290.00M 937379.00M 891744.00M 887030.00M
Intangible assets 637.00M 684.00M 860.00M 1010.00M 921.00M
Other current assets 92075.00M 108144.00M 112304.00M 54895.00M 54071.00M
Total liab 119784.00M 116636.00M 79553.00M 135820.00M 835297.00M
Total stockholder equity 49907.00M 53920.00M 47674.00M 53770.00M 50930.00M
Deferred long term liab - - - - 0.00M
Other current liab 9381.00M 9276.00M 7453.00M 7416.00M -61.00M
Common stock 37.00M 39.00M 525.00M 17117.00M 17088.00M
Capital stock 37.00M 39.00M 525.00M 39.00M 39.00M
Retained earnings 34944.00M 37318.00M 28273.00M 35852.00M 33197.00M
Other liab 15476.00M 12683.00M 11211.00M 12484.00M 15466.00M
Good will 464.00M 472.00M 533.00M 907.00M 918.00M
Other assets 741742.00M 699057.00M 680438.00M 624990.00M 608520.00M
Cash 87251.00M 108007.00M 112230.00M 53202.00M 49987.00M
Total current liabilities 822312.00M 806103.00M 791900.00M 731701.00M 61.00M
Net debt 32246.00M 8007.00M -33276.00M 81914.00M 83488.00M
Short term debt - - - 51809.00M 0.00M
Short long term debt - - - 51809.00M 55310.00M
Short long term debt total 119497.00M 116014.00M 78954.00M 135116.00M 133475.00M
Other stockholder equity 15911.00M 15493.00M 16542.00M -10.00M -11.00M
Property plant equipment 2446.00M 2515.00M 2841.00M 3172.00M 1659.00M
Total current assets 119499.00M 139156.00M 148251.00M 87049.00M 79867.00M
Long term investments 103029.00M 180123.00M 142816.00M 176296.00M 195145.00M
Net tangible assets 55398.00M 52763.00M 53243.00M 51853.00M 47210.00M
Short term investments 30982.00M 29797.00M 34839.00M 32789.00M 28844.00M
Net receivables 1266.00M 1352.00M 1182.00M 1058.00M 1036.00M
Long term debt 118323.00M 108499.00M 97870.00M 135116.00M 133475.00M
Inventory - - - - 0.00M
Accounts payable 697431.00M 702388.00M 687740.00M 609259.00M 61.00M
Total permanent equity - - - - 0.00M
Noncontrolling interest in consolidated entity - - - - 0.00M
Temporary equity redeemable noncontrolling interests - - - - 0.00M
Accumulated other comprehensive income -985.00M 1070.00M 2334.00M 811.00M 656.00M
Additional paid in capital - - - - 0.00M
Common stock total equity - - - - 0.00M
Preferred stock total equity - - - - 0.00M
Retained earnings total equity - - - - 0.00M
Treasury stock - - - - 0.00M
Accumulated amortization - - - - 0.00M
Non currrent assets other -106576.00M -113077.00M -108690.00M -179705.00M -198643.00M
Deferred long term asset charges - - - - 0.00M
Non current assets total 106576.00M 113077.00M 108690.00M 179705.00M 198643.00M
Capital lease obligations 1174.00M 1220.00M 1339.00M 1507.00M 0.00M
Long term debt total - - - - 0.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -5307.00M 6339.00M -8270.00M -2948.00M 5625.00M
Change to liabilities 0.00M 0.00M 0.00M 0.00M 0.00M
Total cashflows from investing activities -5307.00M 6220.00M -8487.00M -2495.00M 5451.00M
Net borrowings 9460.00M 9376.00M -34798.00M -1479.00M 18586.00M
Total cash from financing activities 4649.00M 5387.00M -36732.00M -4154.00M 15983.00M
Change to operating activities -11732.00M -40111.00M 17053.00M -32781.00M -27288.00M
Net income 5502.00M 6782.00M 3810.00M 6834.00M 6838.00M
Change in cash -12274.00M -3901.00M 57536.00M 6502.00M 28553.00M
Begin period cash flow 107665.00M 111566.00M 54029.00M 47529.00M 18976.00M
End period cash flow 95391.00M 107665.00M 111565.00M 54031.00M 47529.00M
Total cash from operating activities -11112.00M -14943.00M 103179.00M 13055.00M 6915.00M
Issuance of capital stock - - 5.00M 1.00M 4.00M
Depreciation 711.00M 834.00M 829.00M 789.00M 520.00M
Other cashflows from investing activities - -1.00M -2.00M -2.00M -2.00M
Dividends paid 3093.00M 2382.00M 46.00M 2679.00M 2607.00M
Change to inventory - - - - 0.00M
Change to account receivables - - - - 0.00M
Sale purchase of stock - - - 94222.00M 0.00M
Other cashflows from financing activities 91972.00M 86669.00M 65402.00M 94225.00M 154402.00M
Change to netincome -711.00M 1063.00M 3525.00M 859.00M -574.00M
Capital expenditures 231.00M 184.00M 287.00M 355.00M 286.00M
Change receivables - - - - 0.00M
Cash flows other operating - - - - 0.00M
Exchange rate changes - - - - 0.00M
Cash and cash equivalents changes - - - - 0.00M
Change in working capital -23237.00M -21617.00M 96341.00M 6626.00M 2266.00M
Other non cash items 5912.00M -942.00M 2199.00M -1194.00M -2709.00M
Free cash flow -11343.00M -15127.00M 102892.00M 12700.00M 6629.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Diversified

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
INGVF
ING Groep N.V		 -
-%		 33.40 8.45 6.83 1.51 0.92
JPM
JPMorgan Chase & Co		 1.31
0.38%		 343.38 15.10 14.01 5.03 2.63
IDCBF
Industrial and Commercial Bank of China		 -0.04
3.85%		 1.00 6.53 6.02 0.67 0.56
IDCBY
Industrial and Commercial Bank of China		 -0.23
1.14%		 19.99 6.49 6.00 0.65 0.55
ACGBY
Agricultural Bank of China PK		 -0.48
2.17%		 21.67 6.92 6.73 0.67 0.60

Profile*

ING Groep N.V

ING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, 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. It also offers business lending products; consumer lending products, such as residential mortgage loans, term loans, and other consumer lending loans; and secured and unsecured lending services. in addition, the company provides debt capital market, working capital solutions, export finance, daily banking, treasury and risk, and corporate finance solutions; and specialized lending, debt and equity market solutions, payments and cash management, and trade and treasury services, as well as savings, investment, insurance, mortgage, and digital banking services; and SME loans. It serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

Bijlmerdreef 106, Amsterdam, Netherlands, 1102 CT

31 20 563 9111

https://www.ing.com

60000

Name Title Year Born
Mr. Steven J. A. van Rijswijk CEO and Chairman of the Exec. Board & Management Board Banking 1970
Mr. Tanate Phutrakul CFO and Member of the Exec. Board & Management Board Banking 1965
Ms. Ljiljana Cortan Chief Risk Officer and Member of the Exec. Board & Management Board Banking 1971
Mr. Aris Bogdaneris B.A., B.Sc, B.Sc., M.A. Head of Retail, Challengers & Growth Markets and Member of the Exec. Board & Mgmt. Board Banking 1963
Ms. Pinar Abay Head of Market Leaders and Member of the Exec. Board & Management Board Banking 1977
Mr. Andrew John Milton Bester Head of Wholesale Banking and Member of the Exec. Board & Management Board Banking 1965
Mr. Ron van Kemenade Chief Technology Officer and Member of the Exec. Board & Management Board Banking 1965
Mr. Marnix van Stiphout COO, Chief Transformation Officer and Member of the Exec. Board & Management Board Banking 1970
Mr. Erwin H. M. Olijslager Principal Accounting Officer NA
Mr. Han-Tsung Ho Exec. Director NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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