ING Group/$ING
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Capital at risk
About ING Group
The merger of the Dutch postal bank and NN Insurance in 1991 created ING. Through a series of further acquisitions, ING has built up a global footprint. The 2008 financial crisis forced ING to seek government support—a precondition of which was that ING should separate its banking and insurance activities, which saw ING revert to being solely a bank. ING has market-leading banking operations in the Netherlands and Belgium, and a range of digital banks across Europe and Australia. Its global wholesale banking operation is primarily focused on lending.
- Ticker
- $ING
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 60,000
- Headquarters
- Amsterdam, Netherlands
- Website
- www.ing.com
ING Group Metrics
BasicAdvanced
$103B
10.75
$3.40
0.90
$1.29
2.14%
Price and volume
Market cap
$103B
Beta
0.9
52-week high
$37.52
52-week low
$23.64
Average daily volume
1.7M
Dividend rate
$1.29
Financial strength
Dividend payout ratio (TTM)
44.27%
Profitability
Net profit margin (TTM)
34.49%
Operating margin (TTM)
52.39%
Effective tax rate (TTM)
28.13%
Revenue per employee (TTM)
$478,410
Management effectiveness
Return on assets (TTM)
0.80%
Return on equity (TTM)
17.12%
Valuation
Price to earnings (TTM)
10.752
Price to revenue (TTM)
3.704
Price to book
1.81
Price to tangible book (TTM)
1.87
Price to free cash flow (TTM)
-2.326
Free cash flow yield (TTM)
-42.99%
Free cash flow per share (TTM)
-15.712
Dividend yield (TTM)
3.54%
Forward dividend yield
2.14%
Growth
Revenue change (TTM)
36.08%
Earnings per share change (TTM)
131.08%
3-year revenue growth (CAGR)
3.05%
3-year earnings per share growth (CAGR)
11.72%
10-year earnings per share growth (CAGR)
8.07%
3-year dividend per share growth (CAGR)
15.41%
10-year dividend per share growth (CAGR)
5.74%
What the Analysts think about ING Group
Analyst ratings (Buy, Hold, Sell) for ING Group stock.
Analyst projections of the future price of ING Group stock.
Bulls say / Bears say
ING beat expectations in Q2, with a €1.95 billion net result, and raised its 2026 and 2027 targets for total income and return on tangible equity. That points to stronger near-term earnings momentum than previously expected. (Reuters)
Customer growth is translating into faster fee growth. Retail fee income rose 16% year-on-year, assets under management reached €322 billion, and ING expects to reach €5 billion of fee income in 2026, a year earlier than planned. (ING)
ING is returning excess capital while keeping its CET1 ratio at 13.1%. Its €1 billion buyback was 77.9% complete by 22 September, alongside a planned €0.40 interim dividend per ordinary share. (ING, GlobeNewswire)
The current margin tailwind may fade. ING says Q2’s liability margin was helped by replication-portfolio tailwinds, while competition and the savings-account mix could pull it back towards normal 100–110 basis points; the lending margin also fell to 124 basis points as growth shifted towards lower-risk assets. (StockAnalysis, ING)
Credit costs are below average, but management is provisioning for downside. Q1 included €263 million of overlays for higher energy prices and Middle East effects, while H1 included updated economic forecasts and a sector overlay; a deterioration could push costs above the current 17–19 basis-point range. (Scope Ratings, StockTitan)
Earnings still depend on continued net interest income and fee momentum because H1 investment and other income fell 28% year-on-year even as total income rose 7%. A reversal in market conditions could therefore make reported profit more volatile. (StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 22 Sept 2026.
ING Group Financial Performance
Revenues and expenses
ING Group Earnings Performance
Company profitability
Upcoming events
No upcoming events
ING Group News
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