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ING Groep NV (ING) earnings and revenue breakdown
Latest: H1 2026 · 6-K filed Jul 30, 2026 · ING Groep NV (ING) H1 2026 earnings results →
H1 2026 Revenue down 6% year over year to $11.7B · 27¢ of every $1 of revenue kept as net profit · operating margin 100.0%
ING Groep NV made $11.7B in H1 2026 (-6% Y/Y). Operating margin 100.0%, net earnings $3.2B. See where every dollar goes — costs, profit and cash — as a Sankey from the 6-K filed Jul 30, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was €11.7B in H1 2026, down 6% year over year.
Operating profit was €11.7B, a 100.0% margin (unchanged year over year). Net earnings were €3.2B, down 19% year over year. The effective tax rate was 30.3%.
Operating cash flow was €15.2B (up 45% year over year), 461% of net income including minority interests. Non-cash charges added back €0.33B of depreciation and amortization. Working capital and other items added €11.6B. Capital expenditures of €0.37B left free cash flow of €14.9B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| H1 2026 | 6-K | Jul 30, 2026 | $11.7B | -6% | 100.0% | $3.2B | $15.2B |
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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ING Groep NV against its Commercial Banks, NEC peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -6% against the peers' median +13%. Operating margin: 100.0% against the peers' median 40.4%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ING ING Groep NV | H1 2026 | $13.6B | -6% | 100.0% |
| LYG Lloyds Banking Group | H1 2026 | $14.3B | +13% | 40.4% |
| PGC Peapack Gladstone Financial | Q3 2026 | $87.5M | +24% | 27.3% |
Source: ING Groep NV 6-K on SEC EDGAR · CIK 1039765 · Commercial Banks, NEC
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History
Every quarter: H1 2026 results