ING Groep N.V (INGVF)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
Fundamental grade
Five factors scored 1 to 9 from INGVF's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from ING Groep N.V's 10-K filings. The deep dive has 15+ years, quarters and every line.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $20.1B | $30.4B | $18.1B | $21.1B | $25.7B |
| Net income | $6.0B | $12.1B | $4.1B | $5.3B | $8.3B |
| Free cash flow | -$15.1B | -$11.3B | -$11.6B | -$22.9B | -$6.7B |
| EPS (diluted) | $1.53 | $3.35 | $1.16 | $1.65 | $2.78 |
| Operating margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
Where the revenue comes from
Revenue by regions, fiscal 2025.
Superinvestors who own INGVF
From each investor's latest 13F filing (what a 13F shows).
Insider buying
Open-market purchases by ING Groep N.V's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
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In the full deep dive
Questions
Are ING Groep N.V insiders buying the stock?
No open-market insider purchases of INGVF in the last 12 months, according to SEC Form 4 filings.
Prices and ratios as of Oct 7, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.