ING Groep's earnings have been declining at an average annual rate of -0.3%, while the Banks industry saw earnings growing at 14.6% annually. Revenues have been growing at an average rate of 1.4% per year. ING Groep's return on equity is 16.7%, and it has net margins of 34.2%.
Key information
-0.27%
Earnings growth rate
5.11%
EPS growth rate
Banks Industry Growth
10.63%
Revenue growth rate
1.42%
Return on equity
16.68%
Net Margin
34.23%
Next Earnings Update
30 Jul 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How ING Groep makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
DB:INN Revenue, expenses and earnings (EUR Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
24,614
8,425
7,869
0
31 Dec 25
24,459
8,324
7,869
0
30 Sep 25
20,039
5,013
7,625
0
30 Jun 25
19,594
4,793
7,887
0
31 Mar 25
20,054
5,211
7,625
0
31 Dec 24
20,054
5,334
7,461
0
30 Sep 24
17,208
3,650
7,093
0
30 Jun 24
19,575
5,390
7,085
0
31 Mar 24
17,536
4,127
7,093
0
31 Dec 23
17,627
4,140
7,013
0
30 Sep 23
34,055
15,268
6,482
0
30 Jun 23
23,039
7,587
6,857
0
31 Mar 23
31,294
13,288
6,482
0
31 Dec 22
29,423
12,126
6,482
0
30 Sep 22
26,549
10,843
9,365
0
30 Jun 22
27,105
11,231
9,365
0
31 Mar 22
17,036
4,200
6,245
0
31 Dec 21
19,506
5,951
6,246
0
30 Sep 21
17,714
4,560
1,794
0
30 Jun 21
16,924
3,981
3,057
0
31 Mar 21
15,648
2,820
6,146
0
31 Dec 20
14,607
2,250
6,147
0
30 Sep 20
13,754
1,759
6,225
0
30 Jun 20
16,638
4,043
6,424
0
31 Mar 20
15,524
3,454
6,237
0
31 Dec 19
17,108
4,781
6,146
0
30 Sep 19
17,616
5,231
6,089
0
30 Jun 19
16,564
3,814
5,709
0
31 Mar 19
17,548
4,655
6,123
0
31 Dec 18
17,521
4,703
5,822
0
30 Sep 18
17,537
4,446
5,964
0
30 Jun 18
18,048
5,604
6,097
0
31 Mar 18
17,202
4,987
6,033
0
31 Dec 17
17,793
5,464
5,657
0
30 Sep 17
17,673
4,967
5,753
0
30 Jun 17
17,088
4,614
5,825
0
31 Mar 17
17,364
4,926
5,757
0
31 Dec 16
16,928
4,534
5,753
0
30 Sep 16
15,827
4,276
5,721
0
30 Jun 16
16,363
4,792
5,637
0
31 Mar 16
15,416
4,047
5,682
0
31 Dec 15
15,591
4,466
5,671
0
30 Sep 15
15,245
3,837
5,627
0
30 Jun 15
15,256
3,895
5,622
0
Quality Earnings: INN has high quality earnings.
Growing Profit Margin: INN's current net profit margins (34.2%) are higher than last year (26%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: INN's earnings have declined by 0.3% per year over the past 5 years.
Accelerating Growth: INN's earnings growth over the past year (61.7%) exceeds its 5-year average (-0.3% per year).
Earnings vs Industry: INN earnings growth over the past year (61.7%) exceeded the Banks industry 0.9%.
Return on Equity
High ROE: INN's Return on Equity (16.7%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/06/10 15:02
End of Day Share Price
2026/06/10 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
ING Groep N.V. is covered by 34 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.