ING Groep N.V (INNA) — Cash Flow Quality Index
Latest as of December 2025:
-1.01x
ING Groep N.V (INNA) has a Cash Flow Quality Index of -1.01x as of December 2025. Operating cash flow of €-6.38 Billion is below net income of €6.33 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore cash flow to debt ratio of ING Groep N.V to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
-1.01x
Operating CF / Net Income
Operating Cash Flow
€-6.38 Billion
EUR
Net Income
€6.33 Billion
EUR
Data as of
Dec 2025
Most recent filing
ING Groep N.V Cash Flow Quality Index (2017–2025)
Historical Cash Flow Quality Index for ING Groep N.V across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see INNA cash flow metrics.
Annual Cash Flow Quality Index for ING Groep N.V (2017–2025)
Year-by-year earnings quality comparison for ING Groep N.V.
| Year | Quality Index | Operating CF (EUR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -1.01x | €-6.38 Billion | €6.33 Billion | ▲ +71.4% |
| 2024 | -3.53x | €-22.54 Billion | €6.39 Billion | ▼ -126.6% |
| 2023 | -1.56x | €-11.34 Billion | €7.29 Billion | ▲ +37.8% |
| 2022 | -2.50x | €-9.19 Billion | €3.67 Billion | ▲ +64.6% |
| 2021 | -7.06x | €-33.72 Billion | €4.78 Billion | ▼ -195.0% |
| 2020 | 7.43x | €18.46 Billion | €2.48 Billion | ▲ +1302.5% |
| 2019 | -0.62x | €-2.41 Billion | €3.90 Billion | ▲ +78.3% |
| 2018 | -2.85x | €-13.40 Billion | €4.70 Billion | ▲ +33.9% |
| 2017 | -4.31x | €-23.54 Billion | €5.46 Billion | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.