ING Group NV ADR (ING) financial statements

Financial Services · Banks - Diversified · Market cap $94.3B

ING Group NV ADR reported revenue of 25.7B EUR in fiscal 2025, up 4.1% a year over 9 years.

Net income was 8.3B EUR.

Free cash flow was -6.7B EUR, and the company returned 3.9B EUR in dividends and 3.7B EUR in net buybacks.

The diluted share count fell 23% over the period (buybacks).

Revenue and free cash flow

Fiscal years, $ billions (EUR).

-500501001502016201720182019202020212022202320242025RevenueFree cash flow
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Income statement

Fiscal years, in EUR, from ING Group NV ADR's 10-K filings with the SEC.

Fiscal year2016201720182019202020212022202320242025
Revenue17.9B EUR18.6B EUR18.3B EUR17.1B EUR17.2B EUR20.1B EUR30.4B EUR18.1B EUR21.1B EUR25.7B EUR
Selling, general and admin580M EUR587M EUR564M EUR325M EUR320M EUR281M EUR273M EUR289M EUR277M EUR—
Operating income——18.3B EUR17.1B EUR17.2B EUR20.1B EUR30.4B EUR18.1B EUR21.1B EUR25.7B EUR
Interest expense30.9B EUR30.3B EUR14.2B EUR14.4B EUR9.0B EUR7.1B EUR13.8B EUR36.2B EUR43.9B EUR36.4B EUR
Pre-tax income6.3B EUR8.1B EUR7.0B EUR5.7B EUR3.4B EUR8.4B EUR17.4B EUR6.0B EUR7.8B EUR11.8B EUR
Income tax1.7B EUR2.5B EUR2.1B EUR1.7B EUR1.1B EUR2.3B EUR5.1B EUR1.7B EUR2.2B EUR3.2B EUR
Net income5.0B EUR5.5B EUR4.8B EUR3.9B EUR2.2B EUR6.0B EUR12.1B EUR4.1B EUR5.3B EUR8.3B EUR
EPS (diluted)1.28 EUR1.41 EUR1.22 EUR1.00 EUR0.58 EUR1.53 EUR3.35 EUR1.16 EUR1.65 EUR2.78 EUR
Diluted shares3.88B3.89B3.89B3.90B3.90B3.89B3.62B3.57B3.23B2.99B
Operating margin——100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%
Net margin27.8%29.4%26.0%22.8%13.1%29.6%39.9%22.8%25.3%32.4%

Balance sheet

Fiscal years, in EUR, from ING Group NV ADR's 10-K filings with the SEC.

Fiscal year2016201720182019202020212022202320242025
Cash and short-term investments16.2B EUR19.0B EUR47.5B EUR54.0B EUR111.6B EUR107.7B EUR95.4B EUR93.0B EUR69.1B EUR54.1B EUR
Property, plant and equipment2.0B EUR1.8B EUR1.7B EUR3.2B EUR2.8B EUR2.5B EUR2.4B EUR2.4B EUR2.4B EUR2.5B EUR
Total assets842.2B EUR843.9B EUR884.6B EUR888.5B EUR933.9B EUR949.2B EUR976.8B EUR980.3B EUR1.02T EUR1.06T EUR
Total liabilities794.4B EUR794.7B EUR834.8B EUR836.6B EUR881.2B EUR896.4B EUR919.8B EUR924.7B EUR970.2B EUR1.00T EUR
Shareholders' equity47.3B EUR48.4B EUR49.0B EUR51.0B EUR51.6B EUR52.1B EUR56.5B EUR54.7B EUR52.7B EUR54.1B EUR
Net debt-16.2B EUR-19.0B EUR-47.5B EUR-54.0B EUR-111.6B EUR-107.7B EUR-95.4B EUR-93.0B EUR-69.1B EUR-54.1B EUR

Cash flow

Fiscal years, in EUR, from ING Group NV ADR's 10-K filings with the SEC.

Fiscal year2016201720182019202020212022202320242025
Operating cash flow8.6B EUR-5.3B EUR6.9B EUR13.1B EUR101.2B EUR-14.9B EUR-11.1B EUR-11.3B EUR-22.5B EUR-6.4B EUR
Capital spending415M EUR304M EUR286M EUR355M EUR287M EUR184M EUR231M EUR246M EUR332M EUR351M EUR
Free cash flow8.1B EUR-5.6B EUR6.6B EUR12.7B EUR101.0B EUR-15.1B EUR-11.3B EUR-11.6B EUR-22.9B EUR-6.7B EUR
Dividends paid2.5B EUR2.6B EUR2.6B EUR2.7B EUR3M EUR2.4B EUR3.1B EUR3.0B EUR3.9B EUR3.9B EUR
Share buybacks (net)—————-1.7B EUR-1.6B EUR-3.5B EUR-3.8B EUR-3.7B EUR
Net borrowing———-97M EUR—-40,000 EUR————
Free cash flow margin45.5%-29.9%36.2%74.2%586.0%-75.3%-37.3%-63.9%-108.5%-26.2%
Dividends per share0.65 EUR0.66 EUR0.67 EUR0.69 EUR0.00 EUR0.61 EUR0.85 EUR0.83 EUR1.20 EUR1.30 EUR
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Questions

What was ING Group NV ADR's revenue in 2025?

25.7B EUR in fiscal 2025, from its 10-K filing.

How much free cash flow does ING Group NV ADR generate?

-6.7B EUR in fiscal 2025 (operating cash flow minus capital spending).

From ING Group NV ADR's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.