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ING Group N.V. - ADR Key Ratios

Stock Card factsheet share-fund-plan-icon

$35.33

up-down-arrow $0.09 (0.26%)

As on 31-Aug-2026 15:44EDT

Market cap

info icon

$98,484 Mln

Revenue (TTM)

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$40,543 Mln

P/E Ratio

info icon

12.9

P/B Ratio

info icon

1.7

Div. Yield

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3.3 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 296.07 -4.91 -1.62 2.28 13.50
EBIT -- -- -- -- --
Net Profit 24.63 16.37 9.07 4.16 -4.16
EPS 25.13 24.51 16.90 12.83 17.66
Book Value -- -- 6.02 6.96 -40.04
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info 15.9121.810.00--14.00
Net Margin info ----16.53----
Return on equity info 13.198.1912.8712.6512.59
Return on Capital info 3.052.05--2.873.02
Return on Assets info 0.670.580.520.610.64
Debt to Equity (x) info ----3.683.413.41

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
2.87
3.02
3.27
0.59
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

12.87

Higher than Peers by 3.01

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
12.87
12.65
12.59
14.34
0.83
Peer Median
9.87
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

0.52

Lower than Peers by 0.44

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
0.52
0.61
0.64
0.75
0.38
Peer Median
0.96
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

--

--

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
--
14.00
17.81
29.10
Peer Median
20.79
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

16.53

Lower than Peers by 3.51

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
16.53
27.47
9.63
12.37
19.76
Peer Median
20.03
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-1.62

Lower than Peers by 12.72

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
-1.62
-0.65
0.13
2.17
-0.28
Peer Median
11.10
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

--

--

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
--
-11.36
93.94
-20.23
Peer Median
-11.50
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

9.07

Higher than Peers by 1.80

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
9.07
-1.02
-12.28
98.34
-23.07
Peer Median
7.27
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

16.90

Higher than Peers by 11.11

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
16.90
0.06
-0.06
1.15
-0.20
Peer Median
5.78
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

9.58

Higher than Peers by 0.81

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
9.58
--
--
--
--
Peer Median
8.77
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

3.68

Higher than Peers by 3.47

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
3.68
3.41
3.41
2.93
3.86
Peer Median
0.21
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
--
--
1.34
1.65
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

0.21

Lower than Peers by 0.10

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
0.21
0.13
0.15
0.18
0.19
Peer Median
0.31
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

0.21

Lower than Peers by 0.15

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
0.21
--
--
0.06
0.41
Peer Median
0.36
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

--

--

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
--
0.21
0.29
0.37
Peer Median
1.75
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

--

--

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
--
1.48
1.42
6.81
Peer Median
6.90
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.03

Lower than Peers by 0.02

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
0.03
0.02
0.07
0.06
0.02
Peer Median
0.05
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
15.60
5.00
6.51
25.72
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
--
725.53
-280.32
-3,367.95
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
--
-556.40
-2,547.56
-4,846.10
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
ING Group N.V. - ADR
--
--
1,286.93
2,273.75
1,503.87
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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