ING Groep
€30.69Change from previous close: +1.44%Absolute change: +€0.43
At a glance
- Revenue growth
- +21.97%
- 2025 vs 2024
- Net income growth
- +56.06%
- 2025 vs 2024
- Net margin
- 34.0%
- 2024: 26.6%
Financial data
Amounts in millions of EUR; per-share values in EUR; shares in millions.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating cash flow | -43,685 | -55,816 | 11,951 | -9,193 | -33,720 |
| Depreciation and amortization | 665 | 673 | 674 | 711 | — |
| Capital expenditure | -351 | -332 | -246 | -231 | -184 |
| 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 | -2,342 |
| 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 |