ING Groep N.V. INGVF OTC

ING Groep N.V. (INGVF) generated $159.94M in operating cash flow for fiscal year 2025. After capital expenditures of $350.87M, free cash flow was $-190.93M.

Free cash flow margin was -0.3% of revenue. Cash conversion ratio was 0.03x, suggesting some earnings are non-cash.

The company returned $3.88B in dividends and $3.7B in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (0/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (59/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (55/100) — Cash conversion ratio was 0.03x suggests some earnings are non-cash items

Overall SharesGrow Score: 63/100 with 3/7 criteria passed.