ING Groep N.V. (ING) 📈: отчетность и дивиденды за 2025

Reports

IFRS

Reporting Annual

	2021	2022	2023
Финансовый отчет	link	link	link

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд €	58.03	47.44	65.94	58.21	43.95	31.12	48.82	39.2	44.46		50.25	41.51	0.23
Выручка, млрд €		17.39	17.77	18.18	18.31	17.82	18.29	0.029	22.41	22.62	22.62	16.23	4.89
Чистая прибыль, млрд €		4.65	4.91	4.7	4.78	2.49	4.78	3.67	7.29	6.39	6.39	4.92	20.74
EV, млрд €		166.97	170.95	209.22	191.89	56.39	100.41	73.98	108.78	137.52	137.52	95.42	19.52
EBIT, млрд €	39.41	37.21	37.43	20.58	6.74	3.73	6.65	5.41	-0.909		-0.909	4.32	-166.99
EBITDA, млрд €	40.04	37.75	37.95	21.1	7.53	4.56	7.49	6.12	-0.235		-0.235	5.09	-149.99
Баланс стоимость, млрд €		49.79	50.41	50.93	53.77	47.67	53.92	49.91	51.24	50.31	50.31	50.61	1.08
FCF, млрд €	10.22	8.2	-5.52	6.63	12.7	102.89	-15.13	-10.6	-11.59		-11.59	15.65	-198.19
Операционный денежный поток, млрд €	10.58	8.55	-5.25	6.92	13.06	103.18	-14.94	-10.38	-11.34		-11.34	15.92	-197.22
Операционная прибыль, млрд €	39.41	37.21	37.43	20.58	6.74	3.73	6.65	4.69	-0.235		-0.235	4.32	-151.11
Операционные расходы, млрд €		19.82	19.81	2.42	-11.57	-14.09	-11.63	4.66	22.41	22.62	22.62	4.79	-209.93
CAPEX, млрд €	0.353	0.351	0.264	0.286	0.355	0.287	0.184	0.2158	0.246		0.246	0.2576	-7.07

	2018Q4	2019Q2	2019Q4	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд €								52.16	54.85	49.03	38.43	34.55	39.31	47.9	46.09	50.11	45.37					45.76	2.91
Выручка, млрд €												4.41	4.87	5.57	5.25	5.84	5.41	5.58	5.72	5.91	5.41	5.61	0.00
Чистая прибыль, млрд €												0.979	1.09	1.59	1.97	1.98	1.56	1.58	1.78	1.88	1.15	1.59	-5.92
EV, млрд €												5.49	146.78	48.74	64.94	95.7	129.01	130.42	132.47	120.51	136.99	129.88	1.21
EBIT, млрд €											1.71	1.41	1.66	2.31	2.72	2.75	-1.99	3.24	2.57	-0.001		1.31	-120.52
EBITDA, млрд €											1.71	1.41	1.66	2.31	2.72	-0.113	-0.068	-0.123	-1.58	2.67		0.1572	-288.23
Баланс стоимость, млрд €												51.29	49.91	51.68	46.49	51.72	54.68	53.12	50.15	51.29	50.31	51.91	-1.65
FCF, млрд €						0	0	0	0.031	0	0	0	0.026	0	0							0.0285	-8.42
Операционный денежный поток, млрд €	0.049	3.75	0.041	77.42	0.019		-3.19		0.031		22.79		0.026		4.49							4.83	-207.08
Операционная прибыль, млрд €											1.67	1.43	1.62	2.27	2.72	2.91	-0.068	-0.061	4.15	-0.001		1.39	-120.29
Операционные расходы, млрд €												-2.98	-3.25	-3.3	-2.52	2.79	3.08	3.03	2.85	5.91	5.41	4.06	11.93
CAPEX, млрд €	1 000 000 000	0.135	0.355	0.144	0.287		0.084		0.184		0.107		0.231		0.089							0.1390	1.16

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд €			19.67	21.99	49.99	53.2	112.23	108.01	87.25	89.89	70.35	70.35	93.55	-8.92
Short Term Investments €			14.82	69.73	28.84	32.79	34.84	29.8	30.98	40.17	44.78	44.78	36.11	5.15
Long term investments €	101.35	146.35	212.41	201.15	195.15	176.3	142.82	180.12	190.52	210.98			180.15	3.66
Total Receivables €		7.27	6.87	5.67	1.04	1.06	1.18	1.35	1.27	0.834		0.834	1.14	-4.68
Total Current Assets €			41.36	39.86	83.11	87.05	148.25	139.16	119.86	200.96	115.13	115.13	144.67	-4.93
Чистые активы, млрд €		2.03	2	1.8	1.66	3.17	2.84	2.52	2.45	165.95		2.6	35.39	120.69
Активы, млрд €			845.08	846.22	887.03	891.74	937.38	951.29	967.82	975.58	1 020.55	1 020.55	970.52	1.71
Short Term Debt €	150.55		59.23	59.33	122.83	117.83	39.63	51.09	83.01	68.53		68.53	72.02	-10.27
Long Term Debt €			79.97	67.67	78.17	83.31	97.87	108.5	111.7	148.84	160.25	160.25	125.43	10.36
Задолженность, млрд €			794.68	795.1	835.3	135.82	79.55	116.64	917.41	923.4	969.24	969.24	601.25	64.88
Чистый долг, млрд €			112.08	90.07	83.49	81.91	-33.28	8.01	32.25	60.11	89.89	89.89	31.40	-221.98
Долг, млрд €			139.2	127	201	201.14	137.5	159.59	194.72	150	160.25	160.25	160.41	3.11
Interest income €		46.32	44.18	43.89	27.75	28.16	22.56	13.62	13.76	52.23			26.07	13.15
Расходы на обслуживание долга €		33.76	30.94	30.24	13.85	14.38	9.11	7.5	14.71	36.25		36.25	16.39	20.31
Чист. проц. доходы, млрд €		12.56	13.24	12.81	12.97	13.06	12.5	13.62	13.76	15.98		58.06	13.78	4.12
Goodwill €	1.06	0.985	0.903	0.816	0.918	0.907	0.533	0.472	0.464	0.469			0.5690	-12.36
Амортизация, млрд €		0.634	0.536	0.52	0.52	0.789	0.829	0.834	0.711	0.674		0.674	0.7674	-3.10
Себестоимость, млрд €		0.201	1 282 973.54	0.158	0.018	0	0	0	0	-0.171		0	256.44	-196.82
Товарно материальные запасы €		0.1073	-150.32	-154.7	-165.53	-142.57	-163.72	-159.3	145.78	89.38		89.38	-46.0860	-191.08

	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q4	2019Q4	2020Q2	2020Q4	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд €																								135.09	87.25	118	104.12	116.73	89.89	98.11	97.07	100.12	70.35	91.11	-4.78
Short Term Investments €																								30.39	30.98	33.83	33.6	38	40.17	44.72	45.01	44.42	44.78	43.82	2.20
Long term investments €																				204.08	180.12	205.24	215.72	233.16	190.52	220.12	225.41	231.43	210.98					215.69	2.06
Total Receivables €																1.06	0.515	1.18	0.679		1.35		0.842		1.27		0.2593		0.834	0.402				0.7215	-13.75
Total Current Assets €																								165.48	119.86	151.84	137.98	184.9	151.75	166.71	170.28	322.77	115.13	185.33	-5.37
Чистые активы, млрд €																			2.63	2.56	2.52	2.54	2.56	2.5	2.45	2.48	2.22	2.36						2.40	-1.15
Активы, млрд €																								1 058.83	967.82	1 022.19	943.04	1 021.63	980.3	1 029.86	1 041.37	1 049.47	1 020.55	1024.31	0.81
Short Term Debt €							166.04	42.28	144.59	118.25	110.54	44.39	234.88								51.09				83.01				68.53					96.38	9.07
Long Term Debt €																								106.38	111.7	124.95	124.52	141.98	148.84	161.27	157.11	168.43	160.25	159.18	1.49
Задолженность, млрд €																								106.38	917.41	124.95	124.72	969.1	924.67	975.73	990.41	997.24	969.24	971.46	0.95
Чистый долг, млрд €																								-28.71	32.25	6.95	20.39	51.64	83.37	81.77	80.53	68.31	89.89	80.77	1.52
Долг, млрд €																								117.19	194.72	134.21	124.52	168.37	173.26	179.88	177.6	168.43	160.25	171.88	-1.55
Interest income €																				3.39	3.37	3.42	3.47	3.33	3.55	4.01	21.38	4.03	3.88					7.37	1.79
Расходы на обслуживание долга €	8.71	8.82	8.92	8.33	8.52	7.99		32.64				36.32									0.035	0.045												15.41	-64.51
Чист. проц. доходы, млрд €																					13.62	3.42	3.47	3.33	3.55	4.01	4.06	4.03	3.88	4.25				4.05	1.17
Goodwill €												0.816		0.958	0.918	0.907	0.562	0.533			0.472		0.464		0.464				0.469					0.4804	-2.53
Амортизация, млрд €																							0.0001	0.0000	0.0001	0.0000	0.000112	-2.87	1.92	-2.29	-4.15	2.67		-0.9440	-198.57
Себестоимость, млрд €								4.73		5.73	-5.73	6.27		38 490.13	0.019	0.243												0.183		1.23	0.016			0.3382	-3.38
Товарно материальные запасы €								0.115				0.0757							-173.94		-159.3		-187.61		-145.78		161.95		89.38	110.89	110.89			65.47	-194.68

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS		1.54	1.97	1.6	1.37	0.8365	1.44	1.01	2.04	2.02		2.02	1.47	19.28
Цена акции ао			18.46	10.66	12.05	9.44	13.92	12.17	15.02	15.67	20.29	20.29	15.41	7.83
Число акций ао, млн		3877.61	3903.85	3857.58	3826.09	3900.67	3775.76	3624.3	3565.3	3165.3		3165.3	3606.27	-4.09
FCF/акцию	2.62	2.12	-1.41	1.72	3.32	26.38	-4.01	-2.92	-3.25			-3.25	3.90	-199.57

	2016Q2	2016Q4	2017Q2	2017Q4	2018Q2	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS													0.26	0.31	0.4804	0.5474	0.5571	0.466	0.4778	0.5434	0.5874	0.3687		0.4887	-4.58
Цена акции ао										14.53	13.03	10.21	9.27	10.86	13.24	12.78	14.08	13.74					20.29	14.83	8.91
Число акций ао, млн									3903.37	3775.76	3763.65	3763.5	3725.6	3619.14	3618.5	3607	3557.9	3302.5						3541.01	-1.81
FCF/акцию	0.0075	0.0193	0.0082	0.019	0.0068	0.0127	0.0107	0.0049		0.0082				0.0072										0.0087	-10.73

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %				9.34	9.73	9.23	8.89	5.21	8.86	7.08	14.41	12.59		12.59	10.84	9.63	19.30
ROA, %				0.5504	0.5796	0.5302	0.5361	0.2651	0.5021	0.3829	0.7499	0.6404		0.6404	3.71	0.5081	19.29
ROIC, %			0	3.79	4.21	2.9	2.93	1.37	3.35	2.71	3.8			0	8.01	2.83	5.34
ROS, %					27.6	25.87	26.12	13.95	26.12	12668.97	32.52	28.26	28.26	28.26	23.12	2556.83	1.59
ROCE, %				73.83	73.22	39.79	0.8911	0.4351	0.7971	1.65	-0.2405		-1.77	-1.77	-0.57	0.1743	-232.40
Ebit margin, %							36.79	20.94	36.39	18655.17	-4.06		-4.02	-4.02		3740.88	-171.89
Рентаб EBITDA, %				217.11	213.51	116.1	41.1	25.6	40.95	21106.9	-1.05		-1.04	-1.04	33.45	4234.27	-152.69
Чистая рентаб, %				26.75	27.6	25.87	26.12	13.95	26.12	12668.97	32.52	28.26		28.26	23.02	2553.96	15.16
Operation Margin, %					210.59	113.24	36.79	20.94	36.39	16165.52	-1.05	-1.04	-1.04	-1.04	34.35	3239.76	-149.11
Чистая процентная маржа, %	14.51	1.43	24.23	27.9	27.6	25.87	26.12	13.55	26.12					23.1	25.36	23.85	-1.10
Доходность FCF, %		21.64	17.62	17.29	-8.37	11.39	28.89	330.64	-30.98	-28.94	-26.06					54.71	-197.96

	2008Q4	2014Q4	2015Q4	2016Q2	2016Q4	2017Q2	2017Q4	2018Q2	2018Q4	2019Q4	2020Q4	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
ROE, %														1.91	2.18	3.08	3.91	3.89	3.02	3.01	3.39	3.59	2.23	10.84	3.05	-5.88
ROA, %														0.0925	0.1125	0.1556	0.201	0.1933	0.1557	0.157	0.1719	0.1798	0.1115	3.71	0.1552	-6.46
ROIC, %	-1.86	0.7944	1.11	0.7549	1.96	1.08	2.33					1.54			1.69		2.15							8.01	1.76	14.76
ROS, %														22.19	22.37	28.58	37.64	33.93	28.8	28.26	31.14	31.82	21.34	23.12	28.27	-5.82
ROCE, %													3.28	0.1476	3.3	0.257	0.4839	0.492	-0.3565	0.6459	0.5692	-0.000246		-0.57	0.2701	-121.87
Ebit margin, %																	51.93	47.12	-36.72	58.09	44.93	-0.0169			22.68	-120.46
Рентаб EBITDA, %													35.57	31.87	34.18	41.42	51.93	-1.93	-1.26	-2.2	-27.61	45.15		33.45	2.43	-287.85
Чистая рентаб, %														22.19	22.37	28.58	37.64	33.93	28.8	28.26	31.14	31.82	21.34	23.02	28.27	-5.82
Operation Margin, %													34.82	32.46	33.22	40.74	51.93	49.85	-1.26	-1.09	72.53	-0.0169		34.35	24.00	-120.23
Доходность FCF, %				0.0631	0.1435	0.0498	0.1033	0.0427	0.1057	0.0935	0.0568	0.0565			0.0661										0.0757	-8.96

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		10.2	13.44	12.38	9.19	12.52	10.22	11.36	6.68	7.45		7.45	22.00	9.65	-9.86
P/BV		0.9527	1.31	1.14	0.8174	0.6527	0.9055	0.8278	0.9326	0.9282		0.9282	2.50	0.8494	7.30
P/S		2.73	3.71	3.2	2.4	1.75	2.67	1438.94	2.17	2.11		2.11	4.83	289.53	3.81
P/FCF			-11.95	8.78	3.46	0.3024	-3.23	-3.46	-3.84	-4.34	-4.34	-4.34	7.77	-3.8420	6.09
E/P			0.0744	0.0808	0.1088	0.0799	0.0978	0.0937	0.1639	0.145	0.1272	0.1272	1.16	0.1255	5.40
EV/EBIT					18.46	-0.8545	8.39	13.67	-119.66	-134.33	-151.28	-151.28		-76.6420	-278.32
EV/EBITDA	7.23	4.42	4.5	9.91	25.5	12.36	13.41	12.09	-462.87			-519.59	29.48	-79.9020	-278.56
EV/S			9.62	11.51	10.48	3.16	5.49	2550.87	4.85	6.08	6.08	6.08	5.45	514.67	2.06
EV/FCF			-30.99	31.56	15.11	0.548	-6.64	-6.98	-9.39	-10.54	-11.87	-11.87	11.12	-9.0840	12.32
Debt/EBITDA			3.35	9.53	26.73	30.15	21.32	31.81	-638.3	-924.97	-681.89	-681.89	-6.06	-438.4060	-299.98
Netdebt/Ebitda			2.37	3.96	10.89	-7.3	1.07	5.27	-255.78	-312.49	-382.52	-382.52	-6.58	-188.8900	-424.08
Debt/Ratio			0.1501	0.2266	0.2256	0.1467	0.1678	0.2012	0.1538	0.157	0.157	0.157	0.19	0.1674	-1.32
Debt/Equity			2.52	3.95	3.74	2.88	2.96	3.9	2.93	3.18	61.63	61.63	21.99	14.92	83.53
Debt/Net Income			25.89	42.74	42.07	55.33	33.41	53	20.58	25.07	25.07	25.07	20.98	31.43	-5.58
PEG											-17.67	-17.67		-17.6700	0.00
Бета						2.01	2.01	1.77	0.906	-2.29	-3.12	-3.12	0.03	-0.1448	-209.19
Индекс Альтмана			0.2826	0.1971	0.1383	0.0274	0.3023	0.1179	0.1771	0.1421	0.1222	0.1222	4.38	0.1723	-16.57

	2008Q4	2013Q4	2014Q4	2015Q4	2016Q2	2016Q4	2017Q2	2017Q4	2018Q1	2018Q2	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E																		35.29	36.1	30.11	8.14	6.53	6.63	7.02	7.76	7.86	7.61			22.00	7.38	2.80
P/BV																		0.6735	0.7877	0.9269	0.0544	0.8387	0.8205	0.8987	1.02	0.9993	0.9179			2.50	0.9313	2.27
P/S																		7.83	8.08	8.6	2.29	2.03	2.14	2.25	2.37	2.36	2.15			4.83	2.25	0.09
P/FCF					1584	696.76	2006.7	967.77		2340.19	945.99	1069.02	1761.56		1769.28				1512											7.77	1411.57	9.83
E/P														0.0262	0.0172	0.0087	0.0306	0.0283	0.0277	0.0332	0.0468	0.0396	0.0348							1.16	0.0364	4.67
EV/EBIT																					23.84	34.76	-64.95	40.21	51.58	-120512.17					-24090.1140	-610.49
EV/EBITDA																	3.51	0.9896	88.21	6.57	8.2	14.01	25.31	48.86	-70.39	134.05				29.48	30.37	57.10
EV/S									112.49						23.02				30.15		12.38	16.38	23.85	23.36	23.17	20.39	25.34			5.45	23.22	1.22
EV/FCF	18.61	-54.51	38.94	-109.09	12209.71	2098.12	9254.55	2369.76							3433.25				5645.31											11.12	4560.20	21.89
Debt/EBITDA																	63.62	75.66	117.02	58.75	45.71	-1489.97	-2547.9	-1462.45	-112.55	63.13				-6.06	-1109.9480	-153.14
Netdebt/Ebitda																	-10.21	-20.42	19.38	3.01	7.49	-457.01	-1225.96	-664.78	-51.03	25.6				-6.58	-474.6360	-156.19
Debt/Ratio									0.5264						0.1678				0.2012		0.132	0.1648	0.1767	0.1747	0.1705	0.1605	0.157			0.19	0.1679	-2.34
Debt/Equity									9.31						2.96				3.9		2.68	3.26	3.17	3.39	3.54	3.28	3.18			21.99	3.31	0.06
Debt/Net Income									381.19						168.88				178.8		63.06	84.95	111.2	113.99	99.78	89.59	138.86			20.98	110.68	4.54
Бета																												-3.36	-3.12	0.03	-3.2400	-3.64
Индекс Альтмана															0.2684	-0.0304	-0.0311	-0.0033	0.1065	0.2853	0.1371	0.0944						0.1222	0.1222	4.38	0.1522	-15.60

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.39	2.52	2.56	2.61	2.68	0.046	2.38	2.97	2.97		5.81		2.21	2.08
Дивиденд		0.7295	0.7352	0.814	0.757	0.15	0.7036	0.9215	0.723	1.25	1.25		0.7496	52.81
Див доход, ао, %		5.96	4.35	5.39	6.59	3.14	5.44	4.28	5.64	7.24	7.12	2.34	5.15	18.18
Дивиденды / прибыль, %	34.74	54.2	52.27	55.43	56.03	1.85	49.87	78.64	40.72		40.72	44.83	45.42	-6.18

	2018Q3	2018Q4	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q1	2021Q2	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд		1000000000	1.71		2.68	0.003	0.003		0.468	2.34	2.42		3.05		1.71			2.00	29.58
Дивиденд	0.28		0.497	0.26				0.1406		0.563	0.695	0.1718		0.0886	0.41	0.3809		0.3493	-11.33
Див доход, ао, %	2		4.17	2.47				1.32		3.88	6.81	1.85		0.6689	3.21	2.7	2.34	3.05	-16.89
Дивиденды / прибыль, %		78616352201.26	119.28		304.43	1	0.4127		32.08	247.83	205.52		280.26		86.35		44.83	170.41	21.90

Other

IFRS

Reporting Annual

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	CAGR 5
НИОКР, млрд	0	0	0	0	0	0	0	0		0
Персонал, чел						57000	57000	57569	60000		1.29

	CAGR 5

	CAGR 5

Investing Port

NYSE: ING - ING Groep N.V.

Reporting ING Groep N.V.

Reports

Capitalization

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Efficiency

Coefficients

Dividends

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