股票 › ING
荷兰国际集团(ING) ING
美股市值排名 #239
$31.82 −$0.81 (-2.48%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $31.19 -1.98%
开盘$31.72
昨收$32.63
当日区间$31.72 – $32.22
成交量3.70M
市值$90.49B
市盈率（TTM）12.0
股息率4.04%
基本面
最新报告季度：Q3, ended Sep 2026 · 报告货币为EUR
营收€6.17B+5.4% YoY
净利润€1.92B+3.1% YoY
摊薄每股收益€0.65+8.3% YoY
自由现金流-€1.48B-120.7% YoY
经营现金流-€1.13B
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率28.2%
净资产收益率13.6%
资产收益率0.6%
负债/资产比率95.7%
现金及投资€69.77B
总负债€195.58B
净现金（净负债）-€125.81B
营收构成
2025/FY 季度
按业务线
按地区
该公司以本国货币报告财务数据，并非美元。以下数字均标注了实际货币单位，未自动换算。
利润表
| 项目 | 2026 Q3 (EUR) |
2026 Q2 (EUR) |
2026 Q1 (EUR) |
2025 ANNUAL (EUR) |
2025 Q4 (EUR) |
|---|---|---|---|---|---|
| 营业总收入 | €6.17B | €6.26B | €5.82B | €22.90B | €5.80B |
| 净利息收入 | €4.26B | €4.13B | €4.06B | €14.68B | €3.82B |
| -利息收入 | €4.26B | €20.94B | €4.06B | €51.05B | €3.82B |
| 非利息收入 | €1.91B | €2.13B | €1.77B | €8.22B | €1.98B |
| -手续费及佣金 | €1.27B | €1.28B | €1.24B | €4.60B | €1.22B |
| -其他非利息收入 | €545.00M | -€388.00M | €526.00M | €70.00M | €744.00M |
| -资产出售损益 | €91.00M | -€1.32B | €7.00M | -€3.81B | €15.00M |
| 信用损失准备 | -€403.00M | -€279.00M | -€346.00M | -€1.30B | -€365.00M |
| 非利息支出 | €3.05B | €3.11B | €3.20B | €12.58B | €3.23B |
| 其他非利息支出 | €3.05B | -€1.52B | €3.20B | €3.42B | €3.23B |
| 其他收入（支出） | -€12.00M | €50.00M | -€25.00M | €132.00M | -€104.00M |
| 特殊收益（费用） | -€12.00M | €50.00M | -€25.00M | -€77.00M | -€104.00M |
| -减：重组及并购费用 | €69.00M | -€50.00M | €25.00M | – | €104.00M |
| -Gain on Sale of Business | €57.00M | – | – | – | – |
| 税前利润 | €2.71B | €2.92B | €2.26B | €9.15B | €2.10B |
| 税费 | €790.00M | €902.00M | €652.00M | €2.55B | €606.00M |
| 净利润 | €1.92B | €2.02B | €1.61B | €6.60B | €1.49B |
| 持续经营利润 | €1.92B | €2.02B | €1.61B | €6.60B | €1.49B |
| 少数股东权益 | €64.00M | €70.00M | €50.00M | €275.00M | €78.00M |
| 归属母公司净利润 | €1.85B | €1.95B | €1.56B | €6.33B | €1.41B |
| 归属普通股股东净利润 | €1.85B | €1.95B | €1.56B | €6.33B | €1.41B |
| 基本每股收益 | €0.65 | €0.68 | €0.54 | €2.12 | €0.48 |
| 摊薄每股收益 | €0.65 | €0.68 | €0.54 | €2.12 | €0.48 |
| 每股股息 | €0.40 | €0.74 | €0.00 | €1.05 | €0.00 |
| -利息支出 | – | – | – | €36.37B | – |
| -股息收入 | – | – | – | €116.00M | – |
| -交易损益 | – | – | – | €5.06B | – |
| -外汇交易收益 | – | – | – | €2.18B | – |
| 专业及外包服务费用 | – | – | – | €440.00M | – |
| 销售及管理费用 | – | – | – | €8.04B | – |
| -销售及营销费用 | – | – | – | €443.00M | – |
| -管理费用 | – | – | – | €7.60B | – |
| 折旧、摊销与折耗 | – | – | – | €681.00M | – |
| -折旧与摊销 | – | – | – | €681.00M | – |
| 联营企业及其他参股权益收益 | – | – | – | €209.00M | – |
| -减：其他特殊支出 | – | – | – | €68.00M | – |
| -减：核销 | – | – | – | €9.00M | – |
资产负债表
| 项目 | 2026 Q3 (EUR) |
2026 Q2 (EUR) |
2026 Q1 (EUR) |
2025 ANNUAL (EUR) |
2025 Q4 (EUR) |
|---|---|---|---|---|---|
| 总资产 | €1.18T | €1.16T | €1.14T | €1.05T | €1.05T |
| 现金、现金等价物及联邦基金出售 | €69.77B | €64.95B | €68.59B | €59.73B | €59.73B |
| -现金及现金等价物 | €69.77B | €64.95B | €68.59B | €52.89B | €52.89B |
| 证券投资 | €291.01B | €285.95B | €278.13B | €140.09B | €140.09B |
| -交易性证券 | €63.85B | €64.73B | €61.86B | €29.39B | €29.39B |
| -可供出售证券 | €164.52B | €161.81B | €156.94B | €57.28B | €57.28B |
| -短期投资 | €62.65B | €59.41B | €59.33B | €53.42B | €53.42B |
| 长期股权投资 | €761.00M | €1.18B | €1.52B | €1.61B | €1.61B |
| 衍生资产 | €1.91B | €1.50B | €1.98B | €26.00B | €26.00B |
| 贷款净额 | €801.87B | €789.56B | €772.52B | €813.66B | €813.66B |
| -贷款总额 | €808.07B | €795.58B | €778.51B | €819.58B | €819.58B |
| -贷款及租赁损失准备 | €6.20B | €6.02B | €6.00B | €5.91B | €5.91B |
| 固定资产净值 | €2.75B | €2.65B | €2.59B | €2.48B | €2.48B |
| 商誉及其他无形资产 | €1.78B | €1.74B | €1.55B | €1.51B | €1.51B |
| 其他资产 | €11.55B | €11.90B | €10.46B | €5.96B | €5.96B |
| 负债合计 | €1.13T | €1.11T | €1.09T | €1.00T | €1.00T |
| 存款合计 | €808.45B | €804.87B | €785.46B | €787.01B | €787.01B |
| 衍生产品负债 | €1.70B | €1.26B | €1.62B | €22.02B | €22.02B |
| 交易性负债 | €109.18B | €102.06B | €99.82B | €2.55B | €2.55B |
| 长期债务及融资租赁负债 | €195.58B | €185.08B | €182.90B | €179.22B | €179.22B |
| -长期债务 | €195.58B | €185.08B | €182.90B | €178.17B | €178.17B |
| 其他负债 | €15.44B | €14.33B | €15.66B | €7.08B | €7.08B |
| 股东权益合计 | €51.06B | €51.39B | €52.06B | €50.95B | €50.95B |
| 股东权益 | €49.98B | €50.25B | €50.87B | €49.70B | €49.70B |
| 少数股东权益 | €1.08B | €1.14B | €1.19B | €1.26B | €1.26B |
| 应收款 | – | €408.00M | – | €938.00M | €938.00M |
| -其他应收款 | – | €408.00M | – | €938.00M | €938.00M |
| -商誉 | – | €588.00M | – | €477.00M | €477.00M |
| -其他无形资产 | – | €1.15B | – | €1.04B | €1.04B |
| 递延资产 | – | €908.00M | – | €893.00M | €893.00M |
| 应付款 | – | €517.00M | – | €3.27B | €3.27B |
| -应付税款合计 | – | €517.00M | – | €1.25B | €1.25B |
| 非流动负债 | – | €902.00M | – | €941.00M | €941.00M |
| 一年以上递延负债 | – | €363.00M | – | €380.00M | €380.00M |
| 股本 | – | €29.00M | – | €30.00M | €30.00M |
| -普通股 | – | €29.00M | – | €30.00M | €30.00M |
| 资本公积 | – | €17.12B | – | €17.12B | €17.12B |
| 留存收益 | – | €35.16B | – | €35.63B | €35.63B |
| 减：库存股 | – | €1.45B | – | €2.40B | €2.40B |
| 不影响留存收益的损益 | – | -€605.00M | – | -€674.00M | -€674.00M |
| 持有待售资产 | – | – | €164.00M | €164.00M | €164.00M |
| -货币市场投资 | – | – | – | €6.84B | €6.84B |
| -固定资产原值 | – | – | – | €6.33B | €6.33B |
| -累计折旧 | – | – | – | -€3.85B | -€3.85B |
| 预付资产 | – | – | – | €829.00M | €829.00M |
| 抵债资产 | – | – | – | €17.00M | €17.00M |
| 设定受益养老金 | – | – | – | €528.00M | €528.00M |
| -其他应付款 | – | – | – | €2.02B | €2.02B |
| -长期融资租赁负债 | – | – | – | €1.05B | €1.05B |
| 员工福利 | – | – | – | €981.00M | €981.00M |
现金流量表
| 项目 | 2025 ANNUAL (EUR) |
2024 ANNUAL (EUR) |
2023 ANNUAL (EUR) |
2022 ANNUAL (EUR) |
2021 ANNUAL (EUR) |
|---|---|---|---|---|---|
| 经营活动现金流 | -€6.38B | -€22.54B | -€11.34B | -€11.11B | -€14.94B |
| 持续经营经营活动现金流净额 | -€6.38B | -€22.55B | -€11.34B | -€11.11B | -€14.95B |
| 持续经营净利润 | €9.15B | €9.30B | €10.49B | €5.50B | €6.78B |
| 持续经营损益 | -€427.00M | €1.13B | €447.00M | – | – |
| 折旧、折耗与摊销 | €665.00M | €673.00M | €674.00M | €711.00M | €834.00M |
| 其他非现金项目 | €3.44B | -€780.00M | -€2.84B | €5.53B | €415.00M |
| 营运资金变动 | -€18.14B | -€31.31B | -€17.94B | -€23.24B | -€21.62B |
| -贷款变动 | -€54.82B | -€42.14B | €6.88B | -€25.13B | -€27.60B |
| -其他流动资产变动 | -€18.68B | €577.00M | -€5.42B | -€6.96B | -€370.00M |
| -其他流动负债变动 | €11.53B | -€7.85B | €6.80B | €4.42B | -€6.50B |
| -Change in Other Working Capital | €55.36B | €10.25B | -€19.40B | €8.86B | €6.35B |
| 投资活动现金流净额 | -€15.70B | -€6.03B | -€8.55B | -€5.31B | €6.22B |
| 持续经营投资活动现金流净额 | -€15.70B | -€6.03B | -€8.55B | -€5.31B | €6.22B |
| 固定资产购置及出售净额 | -€312.00M | -€282.00M | -€189.00M | -€148.00M | -€145.00M |
| 投资购置及出售净额 | -€15.38B | -€5.75B | -€8.36B | -€5.17B | €6.34B |
| 其他投资变动净额 | -€1.00M | – | €1.00M | – | -€1.00M |
| 筹资活动现金流 | €8.25B | €5.37B | €18.40B | €4.65B | €5.39B |
| 持续经营筹资活动现金流净额 | €8.24B | €5.37B | €18.40B | €4.65B | €5.39B |
| Net Issuance Payments of Debt | €15.83B | €13.07B | €24.90B | €9.46B | €9.38B |
| 普通股发行净额 | -€3.71B | -€3.82B | -€3.53B | -€1.72B | -€1.61B |
| 已付现金股利 | -€3.88B | -€3.88B | -€2.97B | -€3.09B | -€2.38B |
| 其他筹资活动净额 | €1.00M | €1.00M | – | -€1.00M | €1.00M |
| 期末现金余额 | €54.15B | €69.07B | €93.01B | €95.39B | €107.67B |
| 现金净变动 | -€13.83B | -€23.20B | -€1.48B | -€11.77B | -€3.34B |
| 期初现金余额 | €69.07B | €93.01B | €95.39B | €107.67B | €111.57B |
| 汇率变动影响 | -€1.09B | -€740.00M | -€898.00M | -€504.00M | -€565.00M |
| 自由现金流 | -€6.73B | -€22.88B | -€11.59B | -€11.34B | -€15.13B |
| 业务购买及出售净额 | – | €0.00 | €0.00 | €7.00M | €27.00M |
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