ING Groep N.V.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from ING Groep N.V.'s yearly results (2022–2025), compared with companies in Netherlands. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Of every €100 of net worth, €97 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 88% of companies in Netherlands.
- Tangible Assets Ratio: Of every €100 the company owns, €100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 88% of companies in Netherlands.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 69% of companies in Netherlands.
Growth Efficiency Ratio
€66Sales grew 21% in 3 years; of every extra €100 of sales, €66 became extra profit.
Asset Productivity Ratio
+21% / +9%In 3 years sales changed by +21% while total assets changed by +9%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every €100 the company owns, €100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 88% of companies in Netherlands.
Tangible Net Worth Ratio
97%Of every €100 of net worth, €97 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 88% of companies in Netherlands.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
ING Groep N.V. owes €0.96 for every €1 it owns. Net profit fell 1% in the year to Dec 2025, and grew 20% a year on average over 3 years.
Compared with companies in Netherlands · latest annual results Dec 2025.
P/E ratio
12.6Investors pay €12.6 for every €1 of ING Groep N.V.'s yearly profit, lower than 86% of companies in Netherlands.
P/B ratio
1.63The share price is 1.63 times ING Groep N.V.'s book value per share, lower than 81% of companies in Netherlands.
Market cap
€81.8 BThe total market value of all of ING Groep N.V.'s shares at today's price (share price × number of shares), larger than 81% of companies in Netherlands. PosiCap size class: Tito Cap.
Net worth (book value)
€50.2 BWhat ING Groep N.V. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
€17.69Net worth divided by the number of shares. The share price of €28.79 is 1.6 times this, which is the P/B above.
Return on equity (ROE)
17.1%ING Groep N.V. earned 17.1% on its shareholders' money over the last year, higher than 50% of companies in Netherlands.
Owes vs Owns
0.96×ING Groep N.V. owes €0.96 for every €1 it owns (high), higher than 88% of companies in Netherlands. Banks and lenders usually show higher figures.
Dividend yield
3.87%ING Groep N.V. pays 3.87% of its share price as dividends a year, higher than 85% of dividend-paying companies in Netherlands.
Revenue growth
+2%Revenue rose 2% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Profit growth
-1%Net profit fell 1% in the year to Dec 2025, and grew 20% a year on average over 3 years.
Profit margin
27.6%ING Groep N.V. keeps €28 of every €100 of revenue as net profit.
Questions
What is ING Groep N.V.'s P/E ratio?
Investors pay €12.6 for every €1 of ING Groep N.V.'s yearly profit, lower than 86% of companies in Netherlands.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For ING Groep N.V.: €81.8 B ÷ €50.2 B (30 Jun 2026) = 1.6.
What is ING Groep N.V.'s return on equity?
ING Groep N.V. earned 17.1% on its shareholders' money over the last year, higher than 50% of companies in Netherlands.
How much does ING Groep N.V. owe compared with what it owns?
ING Groep N.V. owes €0.96 for every €1 it owns (high), higher than 88% of companies in Netherlands. Banks and lenders usually show higher figures.
Does ING Groep N.V. pay a dividend?
Yes. ING Groep N.V. pays 3.87% of its share price as dividends a year, higher than 85% of dividend-paying companies in Netherlands.
Is ING Groep N.V.'s revenue growing?
Revenue rose 2% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.