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ING Groep NV (ING) H1 2026 earnings results (H1 2026)
6-K filed Jul 30, 2026
ING Groep NV (ING) reported revenue of $11.7B for the H1 2026 (H1 2026), -6% from a year earlier. Operating margin was 100.0%, net earnings $3.2B (27.3% of revenue).
ING Groep NV, H1 2026: revenue $11.7B (-6% year over year), operating margin 100.0%, net earnings $3.2B, operating cash flow $15.2B. The chart follows the revenue to costs, profit and cash.
| H1 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $11.7B | — | -6% |
| Operating profit | $11.7B | — | -6% |
| Net earnings | $3.2B | — | -19% |
| Operating cash flow | $15.2B | — | +45% |
| Free cash flow | $14.9B | — | +43% |
What changed
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.
Questions
What was ING Groep NV's revenue in the H1 2026?
ING Groep NV (ING) reported revenue of $11.7B for the H1 2026 (H1 2026), -6% from a year earlier.
Was ING Groep NV profitable in the H1 2026?
Operating profit was $11.7B (100.0% of revenue) and net earnings $3.2B.
Source: ING Groep NV 6-K on SEC EDGAR.