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ING Groep
(NYSE:ING)
ING Groep (ING) vs. SPDR S&P 500 ETF (SPY)
ING Groep Business Overview & Revenue Model
ING Groep Earnings Call Summary
ING Groep Financial Statement Overview
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.67B | 66.41B | 22.41B | 33.61B | 18.29B | 17.82B |
| Gross Profit | 21.70B | 21.41B | 22.58B | 29.00M | 18.29B | 17.82B |
| EBITDA | 4.99B | 9.97B | 11.17B | 6.12B | 7.47B | 4.57B |
| Net Income | 6.27B | 6.39B | 4.14B | 3.67B | 4.78B | 2.48B |
Balance Sheet | ||||||
| Total Assets | 1.08T | 1.02T | 975.58B | 967.82B | 951.29B | 937.38B |
| Cash, Cash Equivalents and Short-Term Investments | 207.27B | 115.13B | 49.68B | 118.60B | 137.80B | 147.07B |
| Total Debt | 168.32B | 171.33B | 150.00B | 119.50B | 116.01B | 78.95B |
| Total Liabilities | 1.03T | 969.24B | 923.40B | 917.41B | 116.64B | 79.55B |
| Stockholders Equity | 51.67B | 50.31B | 51.24B | 49.91B | 53.92B | 47.67B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -22.88B | -11.59B | -11.34B | -15.13B | 102.89B |
| Operating Cash Flow | 0.00 | -22.54B | -11.34B | -11.11B | -14.94B | 103.18B |
| Investing Cash Flow | 0.00 | -6.03B | -8.54B | -5.31B | 6.22B | -8.49B |
| Financing Cash Flow | 0.00 | 5.37B | -4.89B | 4.65B | 5.39B | -36.73B |
ING Groep Technical Analysis
ING Groep Risk Analysis
ING Groep Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | 71.92B | 9.51 | 8.78% | 2.10% | 16.06% | 64.31% | |
75 Outperform | 110.69B | 9.80 | 18.07% | 4.05% | 7.86% | 17.13% | |
75 Outperform | 55.48B | 8.91 | 12.20% | 4.64% | 10.03% | 29.51% | |
73 Outperform | $75.72B | 11.73 | 12.08% | 4.59% | 1.13% | -1.14% | |
72 Outperform | 271.14B | 14.52 | 11.36% | 1.95% | 0.37% | 19.89% | |
70 Outperform | 189.02B | 15.18 | 6.65% | 2.22% | 0.52% | 89.25% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
ING Groep Corporate Events
On September 2, 2025, ING Groep N.V. entered into an underwriting agreement with several major financial institutions for the issuance of $1.5 billion in 7.000% Perpetual Additional Tier 1 Contingent Convertible Capital Securities. This move is part of ING’s strategy to strengthen its capital base and enhance its financial flexibility, potentially impacting its market position and offering implications for investors and stakeholders.
On September 9, 2025, ING announced progress in its €2.0 billion share buyback program, having repurchased 3,925,836 shares between September 1 and September 5, 2025, at an average price of €20.67. This brings the total shares repurchased under the program to 71,572,746, representing approximately 68.42% of the program’s total value. The initiative aims to reduce the share capital of ING, potentially impacting its market positioning and shareholder value.
On September 2, 2025, ING Groep N.V. announced progress on its €2.0 billion share buyback program, which was initially announced on May 2, 2025. During the week of August 25 to August 29, 2025, ING repurchased 2,442,722 shares at an average price of €20.72, totaling €50,622,708.86. To date, approximately 64.36% of the program has been completed, with a total of 67,646,910 shares repurchased at an average price of €19.03, amounting to €1,287,254,023.33. This initiative aims to reduce the share capital of ING, reflecting its strategic focus on enhancing shareholder value.
On August 26, 2025, ING Groep N.V. announced progress on its €2.0 billion share buyback programme, with 2,361,034 shares repurchased between August 18 and August 22, 2025, at an average price of €21.31. This buyback is part of ING’s strategy to reduce share capital, with 61.83% of the programme completed to date, reflecting the company’s ongoing efforts to enhance shareholder value.
On August 19, 2025, ING Groep announced progress in its €2.0 billion share buyback program, with 2,493,940 shares repurchased between August 11 and August 15, 2025, at an average price of €21.04, totaling €52,480,262.49. This initiative, aimed at reducing the company’s share capital, has seen 62,843,154 shares repurchased to date, representing 59.32% of the program’s maximum total value, potentially impacting shareholder value and market perception.
On August 12, 2025, ING Groep N.V. announced progress on its €2.0 billion share buyback program, revealing that 7,738,842 shares were repurchased between August 4 and August 8, 2025, at an average price of €19.72, totaling €152,633,577.73. This initiative, which aims to reduce the company’s share capital, has seen approximately 56.69% completion of the maximum total value, highlighting ING’s strategic financial management and its potential impact on shareholder value.
On August 5, 2025, ING Groep announced progress in its €2.0 billion share buyback program, revealing that 2,480,240 shares were repurchased between July 28 and August 1, 2025, at an average price of €20.35. This move is part of ING’s strategy to reduce its share capital, with approximately 49.06% of the program completed, reflecting the company’s efforts to enhance shareholder value and strengthen its market position.
On August 1, 2025, ING Groep N.V. announced the results of the 2025 EU-wide stress test conducted by the European Banking Authority, which confirmed ING’s resilient capital position. The stress test, which does not have a pass/fail threshold, is used for the Supervisory Review and Evaluation Process to assess ING’s ability to meet prudential requirements under stressed scenarios. ING’s actual CET1 ratio as of June 30, 2025, was 13.3%, indicating strong capital resilience, which is crucial for stakeholders and reinforces ING’s stable position in the banking industry.
On July 31, 2025, ING Groep N.V. reported a net result of €1,675 million for the second quarter of 2025, showcasing robust growth in lending volumes and fee income. The company is progressing well with its ‘Growing the difference’ strategy, achieving a profit before tax of €2,369 million and maintaining a CET1 ratio of 13.3%. Despite market volatility and economic uncertainties, ING saw a significant increase in mobile primary customers and strong growth in its mortgage portfolio. The company also announced an interim cash dividend of €0.35 per ordinary share. ING continues to support sustainability efforts, with a notable increase in sustainable finance mobilized and new initiatives to promote energy-efficient homes.
On June 30, 2025, ING Groep N.V. released its interim financial report, highlighting its financial performance and risk management strategies for the first half of the year. The report includes condensed consolidated financial statements and notes, providing insights into the company’s financial position and operations. This announcement is crucial for stakeholders as it outlines ING’s approach to managing credit risk and other uncertainties, which could impact its market positioning and operational strategies.
On July 29, 2025, ING Groep N.V. announced progress in its €2.0 billion share buyback program, which was initially announced on May 2, 2025. During the week of July 21 to July 25, 2025, ING repurchased 2,532,172 shares at an average price of €19.91, totaling €50,406,975.82. To date, approximately 46.54% of the program has been completed, with 50,130,132 shares repurchased at an average price of €18.57, amounting to €930,745,897.82. This initiative is part of ING’s strategy to reduce its share capital, potentially impacting its market positioning and shareholder value.
ING Groep N.V. announced the completion of its acquisition of a 17.6% stake in Van Lanschot Kempen N.V., increasing its total interest to 20.3%. The acquisition, initially agreed upon in March 2025, involved a direct purchase of 7.2% and, following regulatory approval, an additional 10.4% stake. This strategic move is expected to have minimal impact on ING’s CET1 ratio, potentially strengthening its market position and influence in the financial sector.
On July 24, 2025, ING announced that Tanate Phutrakul will step down as CFO and member of the Executive Board at the Annual General Meeting in April 2026, after 24 years with the company. His departure marks the end of a significant era for ING, as Phutrakul has been pivotal in guiding the bank through challenging times and contributing to its strong performance. The search for his successor has begun, and the announcement has implications for ING’s leadership continuity and strategic direction.
On July 22, 2025, ING Groep N.V. announced progress on its €2.0 billion share buyback program, initially announced on May 2, 2025. During the week of July 14 to July 18, 2025, the company repurchased 2,602,383 shares at an average price of €19.48, totaling €50,698,602.35. To date, approximately 44.02% of the program has been completed, with 47,597,960 shares repurchased at an average price of €18.50, amounting to €880,338,922. This initiative aims to reduce ING’s share capital, potentially impacting its market positioning and shareholder value.
On July 15, 2025, ING Groep announced progress in its €2.0 billion share buyback program, which began on May 2, 2025. During the week of July 7 to July 11, 2025, the company repurchased 2,598,341 shares at an average price of €19.50, totaling €50,675,114.36. To date, 44,995,577 shares have been repurchased, representing approximately 41.48% of the program’s total value. This initiative aims to reduce ING’s share capital, potentially impacting its market positioning and shareholder value.
On July 8, 2025, ING announced progress on its €2.0 billion share buyback program, revealing that 2,710,019 shares were repurchased between June 30 and July 4, 2025, at an average price of €18.79, totaling €50,933,256.46. This initiative, aimed at reducing the share capital of ING, has seen 42,397,236 shares repurchased to date, completing approximately 38.95% of the program’s total value, potentially enhancing shareholder value and impacting market perceptions positively.
On July 1, 2025, ING Groep N.V. announced progress on its €2.0 billion share buyback programme, with 4,587,249 shares repurchased between June 23 and June 27, 2025, at an average price of €18.20, totaling €83.5 million. This initiative aims to reduce the company’s share capital, with approximately 36.40% of the programme completed to date, reflecting ING’s strategic financial management and its impact on shareholder value.
On June 24, 2025, ING Groep N.V. announced progress on its €2.0 billion share buyback program, which began on May 2, 2025. During the week of June 16 to June 20, 2025, ING repurchased 7,472,067 shares at an average price of €17.97, totaling €134,248,755.73. To date, approximately 32.23% of the program has been completed, with a total of 35,099,968 shares repurchased at an average price of €18.36, amounting to €644,522,491.94. This initiative aims to reduce ING’s share capital and potentially enhance shareholder value.
On June 17, 2025, ING Groep N.V. announced progress on its €2.0 billion share buyback programme, initiated on May 2, 2025. During the week of June 9 to June 13, 2025, ING repurchased 3,941,547 shares at an average price of €18.35, totaling €72,317,284.76. To date, the programme has seen 27,627,901 shares repurchased, representing approximately 25.51% of the maximum total value of the programme. This initiative is part of ING’s strategy to reduce its share capital, potentially impacting its market positioning and shareholder value.