ING Groep revenue and financials
Secondary listing. The primary listing is ING Groep · Euronext Amsterdam (EUR)
$35.06Change from previous close: +0.83%Absolute change: +$0.29
In the fiscal year ended December 2025, ING Groep reported revenue of €25.68B (+21.77% year over year). Net income was €8.32B, a net margin of 32.4%.
Fiscal year ending in December. Sources and method on the page Methodology and sources.
At a glance
- Revenue growth
- +21.77%
- 2025 vs 2024
- Net income growth
- +56.06%
- 2025 vs 2024
- Net margin
- 32.4%
- 2024: 25.3%
Financial data
Amounts in millions of EUR; per-share values in EUR; shares in millions.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -6,380 | -22,544 | -11,340 | -11,112 | -14,943 | 101,243 | 13,055 | 6,915 | -5,253 | 8,553 |
| Depreciation and amortization | 665 | 673 | 674 | 711 | — | — | — | — | — | — |
| Capital expenditure | -351 | -332 | -246 | -231 | -184 | -287 | -355 | -286 | -304 | -415 |
| Investing cash flow | -15,697 | -6,033 | -8,545 | -5,307 | 6,220 | — | — | — | — | — |
| Financing cash flow | 45,550 | 38,646 | -4,887 | 2,730 | 24,164 | — | — | — | — | — |
| Dividends paid | -3,884 | -3,879 | -2,967 | -3,093 | -2,382 | -3.0 | -2,679 | -2,607 | -2,564 | -2,521 |
| Share repurchases | -3,705 | -3,817 | -3,531 | — | — | — | — | — | — | — |
| Debt issued | 154,143 | 129,304 | 118,661 | 93,690 | — | — | — | — | — | — |
| Debt repaid | -138,310 | -116,235 | -93,759 | -84,230 | — | — | — | — | — | — |
| Effect of exchange rates | -1,089 | -740 | -898 | -504 | -565 | — | — | — | — | — |
| Net change in cash | -14,921 | -23,943 | -2,379 | -12,274 | -3,900 | — | — | — | — | — |
| Free cash flow | -44,036 | -56,148 | 11,705 | -9,424 | -33,904 | — | — | — | — | — |