ING Groep N.V. ING NYSE

ING Groep N.V. (ING) reported exceptional year-over-year revenue growth of +83.7% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed earnings decline of -1% YoY, reaching $1.4B in the latest quarter. The net profit margin is 24.3%, which is high. The company has maintained profitability in all 4 quarters. The gross margin is 95.3% (high), down 3.5pp vs the prior year. With a $85B market cap, MOAT composite score of 75/100 (strong competitive position).

Criteria proven by this page:

• GROWTH (100/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 29-year annual history, the company was profitable in 27 of 29 years — an excellent long-term track record
• INCOME (85/100, Pass) — proves strong profitability and pricing power
• MOAT (75/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

Overall SharesGrow Score: 72/100 with 5/7 criteria passed.