ING (INGA.AS) stock price, revenue, and financials

ING market cap is €43.4 b, and annual revenue was €33.05 b in FY 2019

€43.4 B

INGA.AS Mkt cap, 11-Jun-2021

€14.6 B

ING Revenue H1, 2020
ING Gross profit (H1, 2020)8.7 B
ING Gross profit margin (H1, 2020), %59.6%
ING Net income (H1, 2020)626 M
ING Cash, 30-Jun-2020119 B
ING EV62.3 B

ING Revenue

ING revenue was €33.05 b in FY, 2019 which is a 1.5% year over year decrease from the previous period.

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ING Income Statement

Annual

EURFY, 2017FY, 2018FY, 2019

Revenue

50.0b33.6b33.0b

Revenue growth, %

(33%)(2%)

Cost of goods sold

31.4b15.2b15.9b

Gross profit

18.6b18.3b17.1b

Gross profit Margin, %

37%55%52%

General and administrative expense

5.2b5.4b5.8b

Operating expense total

10.5b11.3b11.5b

Pre tax profit

8.1b7.0b5.7b

Income tax expense

2.5b2.1b1.7b

Net Income

5.5b4.9b4.0b

EPS

1.41.21.0

Half Year

EURH1, 2018H1, 2019H1, 2020

Revenue

15.8b16.3b14.6b

Cost of goods sold

6.9b8.1b5.9b

Gross profit

8.9b8.1b8.7b

Gross profit Margin, %

56%50%60%

General and administrative expense

2.7b2.8b2.9b

Operating expense total

5.2b5.7b7.6b

Pre tax profit

3.7b2.5b1.1b

Income tax expense

995.0m740.0m438.0m

Net Income

2.7b1.8b626.0m

EPS

0.70.40.2

ING Balance Sheet

Annual

EURFY, 2017FY, 2018FY, 2019

Cash

22.0b50.0b53.2b

Accounts Receivable

571.9b589.7b608.0b

PP&E

1.8b1.7b3.2b

Total Assets

843.9b884.6b888.5b

Accounts Payable

539.8b555.7b574.4b

Total Debt

112.1b133.5b135.1b

Total Liabilities

794.7b834.8b836.6b

Common Stock

17.0b17.1b17.1b

Retained Earnings

27.0b28.3b29.9b

Total Equity

49.1b49.9b51.9b

Debt to Equity Ratio

2.3 x2.7 x2.6 x

Debt to Assets Ratio

0.1 x0.2 x0.2 x

Financial Leverage

17.2 x17.7 x17.1 x

Half Year

EURH1, 2018H1, 2019H1, 2020

Cash

38.3b52.2b119.0b

Accounts Receivable

584.7b607.1b612.4b

PP&E

1.8b2.8b3.1b

Total Assets

903.5b909.9b981.3b

Accounts Payable

556.7b571.0b605.6b

Total Debt

132.3b133.1b137.8b

Total Liabilities

854.8b859.2b929.1b

Common Stock

17.1b17.1b17.1b

Retained Earnings

27.4b28.5b30.4b

Total Equity

48.7b50.7b52.2b

Debt to Equity Ratio

2.7 x2.6 x2.6 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x

Financial Leverage

18.6 x17.9 x18.8 x

ING Cash Flow

Annual

EURFY, 2017FY, 2018FY, 2019

Depreciation and Amortization

520.0m520.0m789.0m

Accounts Receivable

(21.4b)(31.4b)(16.7b)

Accounts Payable

18.3b19.7b18.0b

Cash From Operating Activities

(5.3b)6.9b13.1b

Purchases of PP&E

(264.0m)(286.0m)(355.0m)

Cash From Investing Activities

11.8b5.5b(2.5b)

Long-term Borrowings

(99.2b)(135.8b)(95.7b)

Dividends Paid

(2.6b)(2.6b)(2.7b)

Cash From Financing Activities

(3.9b)16.0b(4.2b)

Net Change in Cash

2.6b28.3b6.4b

Income Taxes Paid

1.7b1.6b2.3b

Half Year

EURH1, 2018H1, 2019H1, 2020

Depreciation and Amortization

267.0m388.0m402.0m

Accounts Receivable

(24.1b)(17.7b)(9.9b)

Accounts Payable

19.8b15.3b34.4b

Cash From Operating Activities

(3.1b)3.8b77.4b

Purchases of PP&E

(133.0m)(135.0m)(144.0m)

Cash From Investing Activities

4.5b(2.3b)(9.6b)

Long-term Borrowings

(55.8b)(58.1b)(49.1b)

Dividends Paid

(1.7b)(1.7b)(3.0m)

Cash From Financing Activities

16.6b(3.9b)1.7b

Net Change in Cash

17.9b2.2b69.5b

Income Taxes Paid

834.0m1.6b1.1b

ING Ratios

EURFY, 2017

Revenue/Employee

970.6k

Debt/Equity

2.3 x

Debt/Assets

0.1 x

Financial Leverage

17.2 x

ING Operating Metrics

ING's Total Loans was reported to be €643.1b in H1, 2020. ING's Total Deposits was reported to be €684.3b in H1, 2020. ING's Customers was reported to be 38.4 m in FY, 2019.
FY, 2017H1, 2018FY, 2018H1, 2019FY, 2019H1, 2020

Customers

37.4 m38.4 m38.4 m

Total Loans

€600.72 b€616.34 b€620.08 b€641.67 b€643.17 b€643.05 b

Total Deposits

€576.65 b€595.49 b€593.06 b€609.1 b€609.18 b€684.28 b

Non-performing Loans

€12.48 b€11.1 b€11.48 b

Active Users (InsideBusiness)

57 k

Countries

404040

Customers (Financially Empowered)

25.9 m

Customers (InsideBusiness)

18 k

New Partners

67

Retail Primary Relationships

13.3 m

ING Human Capital

ING's employees are reported to be approximately 48% female and 52% male.
FY, 2019FY, 2018FY, 2017
Male51.6%51.3%50.8%
Female48.3%48.6%49.1%
Other0.1%0.1%0.1%