ING Groep N.V. (ING) Earnings History
Elite Compounder29 years of earnings data (1997–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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ING Groep N.V. (ING) Earnings Overview
As of July 8, 2026, ING Groep N.V. (ING) reported trailing twelve-month net income of $6.33B, reflecting +28.5% year-over-year growth. The company earned $2.17 per diluted share over the past four quarters, with a net profit margin of 27.5%.
Looking at the long-term picture, ING's 5-year EPS compound annual growth rate (CAGR) stands at +27.1%, indicating exceptional earnings growth. The company achieved its highest annual net income of $12.02B in fiscal 2000.
ING Groep N.V. maintains industry-leading profitability with a gross margin of 94.3%, operating margin of 39.7%, and net margin of 27.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including DB ($6.93B net income, 11.4% margin), BBVA ($10.51B net income, 28.5% margin), SAN ($13.59B net income, 11.8% margin), ING has outperformed on profitability metrics. Compare ING vs DB →
ING Earnings vs Peers
Earnings metrics vs comparable public companies
ING Historical Earnings Data (1997–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $6.33B | -1.0% | $9.15B | $2.12 | 27.5% | 39.7% |
| 2024 | $6.39B | -12.3% | $9.30B | $1.65 | 9.6% | 14.0% |
| 2023 | $7.29B | +98.3% | $10.49B | $1.16 | 12.4% | 17.8% |
| 2022 | $3.67B | -23.1% | $5.50B | $1.01 | 10.9% | 16.4% |
| 2021 | $4.78B | +92.2% | $6.78B | $1.23 | 18.5% | 26.3% |
| 2020 | $2.48B | -48.0% | $3.81B | $0.64 | 9.2% | 14.1% |
| 2019 | $4.78B | +3.8% | $6.83B | $1.23 | 14.7% | 21.1% |
| 2018 | $4.61B | -6.1% | $6.75B | $1.21 | 14.3% | 20.9% |
| 2017 | $4.91B | +5.5% | $7.27B | $1.26 | 10.2% | 15.2% |
| 2016 | $4.65B | +16.0% | $5.90B | $1.20 | 9.6% | 12.2% |
| 2015 | $4.01B | +220.5% | $6.17B | $1.04 | 8.0% | 12.3% |
| 2014 | $1.25B | -64.7% | $3.71B | $0.32 | 2.4% | 7.3% |
| 2013 | $3.54B | -4.9% | $4.17B | $0.79 | 6.5% | 7.6% |
| 2012 | $3.73B | -21.6% | $3.38B | $0.81 | 6.1% | 5.5% |
| 2011 | $4.75B | +100.8% | $5.08B | $0.85 | 5.7% | 6.1% |
| 2010 | $2.37B | +258.4% | $3.05B | $0.51 | 2.4% | 3.1% |
| 2009 | -$1.49B | +57.2% | -$2.49B | $-0.53 | -1.3% | -2.2% |
| 2008 | -$3.49B | -136.3% | -$5.20B | $-0.27 | -2.3% | -3.5% |
| 2007 | $9.62B | +25.1% | $11.55B | $3.43 | 6.7% | 8.0% |
| 2006 | $7.69B | +6.7% | $9.94B | $3.57 | 6.2% | 8.0% |
| 2005 | $7.21B | +25.3% | $8.89B | $3.32 | 6.6% | 8.1% |
| 2004 | $5.75B | +42.6% | $7.74B | $2.71 | 6.8% | 9.2% |
| 2003 | $4.04B | -10.4% | $5.52B | $2.00 | 6.2% | 8.5% |
| 2002 | $4.50B | -1.8% | $5.59B | $2.32 | 5.8% | 7.2% |
| 2001 | $4.58B | -61.9% | $5.75B | $2.35 | 6.1% | 7.7% |
| 2000 | $12.02B | +143.5% | $13.86B | $6.29 | 15.5% | 17.9% |
| 1999 | $4.94B | +168.0% | $6.00B | $2.53 | 8.4% | 10.2% |
| 1997 | $1.84B | - | $2.49B | $1.18 | 5.4% | 7.4% |
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ING — Frequently Asked Questions
Quick answers to the most common questions about buying ING stock.
What is ING earnings per share (EPS)?
ING trailing twelve-month (TTM) diluted EPS is $2.17, reflecting +28.5% year-over-year growth. The 5-year EPS CAGR is +27.1%. Complete EPS history from 1997 to 2025 is available in the table on this page.
What is ING Groep N.V.'s net income?
ING Groep N.V. (ING) trailing twelve-month net income is $6.3B as of 2025. Earnings grew +28.5% year-over-year. ING Groep N.V. has been profitable for 16 consecutive years.
Is ING profitable?
Yes, ING is profitable with a TTM net income of $6.3B and a net profit margin of +27.5%. ING Groep N.V. has generated profits for 16 consecutive years.
What is ING's earnings growth rate?
ING compound annual EPS growth rates (CAGR): 1-Year: +28.5%, 3-Year: +28.0%, 5-Year: +27.1%, 10-Year: +7.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1997 to 2025.
What are ING's profit margins?
ING Groep N.V. net profit margin is +27.5%, operating margin is +39.7%, and gross margin is +94.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.4%.
Is ING growing earnings?
Yes, ING earnings are accelerating — EPS growth of +28.5% exceeds the 5-year CAGR of +27.1%. TTM net income reached $6.3B. Earnings momentum is strengthening.
What was ING's best earnings year?
ING Groep N.V.'s highest annual net income on record is $12.0B, achieved in fiscal year 2000. Earnings history on this page spans 1997 to 2025 and includes all annual and quarterly figures.
What were ING's earnings last quarter?
ING's most recent reported quarter was Q4 2025. Net income was $1.4B with diluted EPS of $0.48. For a full breakdown of all quarters, see the quarterly earnings table on this page.