In short
ING Groep N.V. (INGA.AS) has revenue up 1.5% to EUR 22.9B and net income down 1.0% to EUR 6.3B year on year. Its net margin is 27.6%, and it trades at 12.8× trailing earnings. Fisclear found no medium- or high-severity risk flags in this filing. How we calculate this
Valuation
Financial ServicesLive · Yahoo FinancePrice
€29.83
€84.7B
3.87%
52-Week Range
4-engine score — Quality and Peers engines require SEC EDGAR (US stocks only)
⚠ Negative FCF — consuming cash.
Based on filing period ending Dec 2025
International FisclearScore uses 4 engines (no EDGAR data). Based on Yahoo Finance & Alpha Vantage reported financials. Not financial advice.
🇪🇺 Eurozone Macro Indicators
Full dashboard →Policy Rate
2.50%→
Moderate
GDP Growth
1.10%→
Moderate
10-Year Yield
3.22%→
Spread: +0.7%
EUR/USD
1.12→
M2 Growth
4.21%→
Moderate
The Eurozone central bank policy rate stands at 2.50% — a moderately elevated rate environment; GDP growth is 1.1% year-over-year (sluggish growth); the 10-year government bond yield is 3.22%; EUR/USD is at 1.1231.
SWOT Analysis — INGA.AS
Inflationary BoomStrengths
Operating Cash Flow: -EUR 6.4B (+71.7% YoY) — Negative operating cash flow — the business consumed more cash than it produced from operations.
EPS (Diluted): EUR 2.12 (+7.1% YoY) — Earnings per share rose 7% — each share earned more.
Weaknesses
Net Income: EUR 6.3B (-1.0% YoY) — Profit fell 1% but remained positive.
Opportunities
Total Assets: EUR 1.1T (+3.3% YoY) — Total assets grew 3% — the company's resource base expanded.
Revenue: EUR 22.9B (+1.5% YoY) — Revenue grew 2% — the company sold more goods or services than the prior year.
Threats
No significant threats flagged.
Year-over-Year Changes
Operating Cash Flow
-EUR 6.4B
was -EUR 22.5B
Negative operating cash flow — the business consumed more cash than it produced from operations.
EPS (Diluted)
EUR 2.12
was EUR 1.98
Earnings per share rose 7% — each share earned more.
Total Assets
EUR 1.1T
was EUR 1.0T
Total assets grew 3% — the company's resource base expanded.
Revenue
EUR 22.9B
was EUR 22.6B
Revenue grew 2% — the company sold more goods or services than the prior year.
Net Income
EUR 6.3B
was EUR 6.4B
Profit fell 1% but remained positive.
Technical Signals
Daily closes · 1-year dataING Groep N.V.: common questions
Is ING Groep N.V. profitable?
Yes. ING Groep N.V. made a net profit of €6.3B in its latest fiscal year (fiscal 2025), a net margin of 27.6%.
Is ING Groep N.V.'s revenue growing?
Yes. Revenue grew 1.5% year on year, to EUR 22.9B.
What is ING Groep N.V.'s P/E ratio?
ING Groep N.V. trades at 13.3× its trailing twelve-month earnings. In other words, the share price is about 13 times the profit per share the company earned over the past year.
Does ING Groep N.V. pay a dividend?
Yes. ING Groep N.V.'s forward dividend yield is 3.87%, the expected annual dividend as a share of the current share price.
Answers are generated from the figures in this report (updated 9 Oct 2026). Information, not investment advice.
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External Links
Research ING Groep N.V.
Data sourced from Official Exchange, FRED (Federal Reserve), OECD, BIS, and Yahoo Finance. For informational purposes only. Not financial advice.