ING Group Financials

ING Stock  USD 22.46  0.00  0.00%   
Based on the analysis of ING Group's profitability, liquidity, and operating efficiency, ING Group NV may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, ING Group's Total Current Liabilities is most likely to increase significantly in the upcoming years. The ING Group's current Property Plant And Equipment Net is estimated to increase to about 2.7 B, while Total Stockholder Equity is projected to decrease to roughly 43.2 B. Key indicators impacting ING Group's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.330.3187
Sufficiently Up
Slightly volatile
Return On Assets0.00580.0063
Significantly Down
Pretty Stable
Return On Equity0.130.127
Fairly Up
Pretty Stable
Debt Equity Ratio4.53.4052
Significantly Up
Slightly volatile
Operating Income8.8 B9.3 B
Notably Down
Slightly volatile
Current Ratio0.210.2174
Sufficiently Down
Very volatile
The financial analysis of ING Group is a critical element in measuring its lifeblood. Investors should not minimize ING Group's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

3.54 Billion

  
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Understanding current and past ING Group Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of ING Group's financial statements are interrelated, with each one affecting the others. For example, an increase in ING Group's assets may result in an increase in income on the income statement.

ING Group Stock Summary

ING Group competes with Barclays PLC, Banco Bilbao, Banco Santander, UBS Group, and HSBC Holdings. 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. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands. ING Groep operates under BanksDiversified classification in the United States and is traded on New York Stock Exchange. It employs 57000 people.
Foreign Associate
  Poland
Specialization
Financial Services, Banks - Diversified
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS4568371037
CUSIP456837103
LocationNetherlands
Business AddressBijlmerdreef 106, Amsterdam,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.ing.com
Phone31 20 563 9111
CurrencyUSD - US Dollar

ING Group Key Financial Ratios

ING Group Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets937.4B951.3B967.8B975.6B1.0T1.0T
Other Current Liab372.1B344.9B361.1B(1.0B)755.9B793.7B
Net Debt(33.3B)8.0B32.2B60.1B101.4B82.4B
Accounts Payable4.9B5.1B(444.1B)(68.5B)(61.7B)(58.6B)
Cash112.2B108.0B87.3B89.9B70.4B44.2B
Other Assets680.4B699.1B653.9B(407.1B)1.0T615.1B
Net Receivables1.2B1.4B1.3B834M984M934.8M
Total Liab79.6B116.6B917.4B923.4B969.2B885.0B
Total Current Assets148.3B139.2B119.9B201.0B115.1B77.9B
Short Term Debt39.6B51.1B83.0B68.5B78.8B73.0B
Retained Earnings28.3B37.3B34.9B36.9B33.9B32.5B
Other Liab12.5B11.2B14.7B15.5B13.9B13.2B
Long Term Debt97.9B108.5B111.7B148.8B160.2B120.4B
Good Will533M472M464M469M476M452.2M
Other Current Assets163.7B159.3B145.8B150.4B135.4B128.6B
Treasury Stock(11M)(10M)(4M)(1.6B)(1.9B)(1.9B)
Intangible Assets860M684M637M729M857M1.2B
Inventory(163.7B)(159.3B)(145.8B)89.4B80.4B84.5B

ING Group Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense9.1B7.5B14.7B36.3B43.9B33.5B
Total Revenue17.8B18.3B18.6B22.4B66.4B34.4B
Gross Profit17.8B18.3B18.6B22.6B22.6B33.2B
Operating Income3.7B6.8B4.7B10.5B9.3B8.8B
Ebit3.7B6.6B5.4B10.5B9.3B8.8B
Ebitda4.6B7.5B6.1B11.2B10.0B9.5B
Income Before Tax3.8B6.8B5.5B10.5B9.3B6.6B
Net Income2.5B4.8B3.7B4.1B6.4B3.5B
Income Tax Expense1.3B1.9B1.7B3.0B2.7B1.5B
Minority Interest1.0B(128M)(102M)(235M)(258M)(245.1M)
Tax Provision1.2B1.9B1.7B3.0B2.7B2.2B
Net Interest Income12.5B13.6B13.8B16.0B15.0B14.9B
Interest Income22.6B13.6B13.8B52.2B15.0B24.6B

ING Group Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash57.5B(3.9B)(12.3B)(2.4B)(23.9B)(22.7B)
Free Cash Flow102.9B(15.1B)(11.3B)(11.6B)(22.9B)(21.7B)
Depreciation829M834M711M674M673M697.6M
Other Non Cash Items2.2B(942M)5.9B(19.8B)(1.2B)(1.1B)
Dividends Paid46M2.4B3.1B3.0B3.9B3.7B
Capital Expenditures287M184M231M246M332M315.4M
Net Income3.8B6.8B5.5B4.1B9.3B9.8B
End Period Cash Flow111.6B107.7B95.4B93.0B69.1B72.5B
Investments(8.3B)6.3B(5.3B)(8.5B)(6.0B)(5.7B)
Net Borrowings(1.5B)(34.8B)9.4B9.5B10.9B11.4B
Change To Netincome859M3.5B1.1B(711M)(639.9M)(607.9M)

ING Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining ING Group's current stock value. Our valuation model uses many indicators to compare ING Group value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across ING Group competition to find correlations between indicators driving ING Group's intrinsic value. More Info.
ING Group NV is rated fourth overall in return on equity category among its peers. It also is rated fourth overall in return on asset category among its peers reporting about  0.05  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for ING Group NV is roughly  19.69 . At this time, ING Group's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value ING Group by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

ING Group NV Systematic Risk

ING Group's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. ING Group volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was nine with a total number of output elements of fifty-two. The Beta measures systematic risk based on how returns on ING Group NV correlated with the market. If Beta is less than 0 ING Group generally moves in the opposite direction as compared to the market. If ING Group Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one ING Group NV is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of ING Group is generally in the same direction as the market. If Beta > 1 ING Group moves generally in the same direction as, but more than the movement of the benchmark.

ING Group Thematic Clasifications

ING Group NV is part of Power Assets investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. High potential, large capitalization stocks theme. Large capitalization equities showing high long-term performance indicators and above average return expectations based on Macroaxis rating system
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Today, most investors in ING Group Stock are looking for potential investment opportunities by analyzing not only static indicators but also various ING Group's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of ING Group growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(2.13)

At this time, ING Group's Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.

ING Group July 15, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of ING Group help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of ING Group NV. We use our internally-developed statistical techniques to arrive at the intrinsic value of ING Group NV based on widely used predictive technical indicators. In general, we focus on analyzing ING Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build ING Group's daily price indicators and compare them against related drivers.

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When running ING Group's price analysis, check to measure ING Group's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ING Group is operating at the current time. Most of ING Group's value examination focuses on studying past and present price action to predict the probability of ING Group's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ING Group's price. Additionally, you may evaluate how the addition of ING Group to your portfolios can decrease your overall portfolio volatility.
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