ING Groep NV ADR Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $30.1B+38.1% YoYTTM through 31 Dec 2025
Net Income $9.8B+76.9% YoYTTM through 31 Dec 2025
Free Cash Flow -$7.9BTTM through 31 Dec 2025
Margins
| Current | |
|---|---|
| Operating Margin | 100.0% |
| Net Margin | 32.4% |
Returns
15.0%ROE
0.8%ROA
Balance Sheet Health
Cash & Equivalents$54.1B
Quality Metrics
Piotroski F-Score4 / 9
FCF Margin-26.2%
Earnings-Beat Rate100.0%
Multi-Year Trend
RevenueFY2025: $25.7B
Diluted EPSFY2025: $2.78
Dividend
$0.88Per share, FY20262.42%Yield+4.4%5-yr growth
Capital Allocation
Capex Intensity1.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Retail Netherlands | $5B | +1.2% | View detailsSupported by a further increase in both customer base and customer balances. |
| Retail Belgium | $2.7B | -2.8% | View detailsImpacted by lower margin on liabilities and higher regulatory costs, partially offset by strong fee income. |
| Retail Germany | $3B | +2.9% | View detailsStrong commercial growth with normalising liability margins. |
| Retail Other | $4.9B | +4.7% | View detailsIncome growth expected to continue offsetting modest increases in expenses and risk costs. |
| Wholesale Banking | $7B | +0.4% | View detailsStrategic focus on diversifying income streams to mitigate Payments & Cash Management margin compression. |
| Corporate Line | $484M | +28.0% | View detailsSubject to market volatility and hedge ineffectiveness. |
Financials converted at 0.8513 from EUR.
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