Is ING Group (INGA) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 62.8% | |
| Net Margin | 34.0% | |
| Return on Equity (ROE) | 15.8% | |
| Return on Assets (ROA) | 0.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$6.4B |
| Free Cash Flow | -$6.7B |
| Total Debt | $179.2B |
| Total Assets | $1.1T |
Price & Trading
| Last Close | EUR 21.93 |
| 50-Day MA | EUR 23.97 |
| 200-Day MA | EUR 22.14 |
| Avg Volume | 7.8M |
| Beta | 0.9 |
|
52-Week Range
EUR 14.31
| |
About ING Group (INGA)
ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. It accepts current and savings accounts; and time deposits. The company also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, it provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. The company serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.
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Frequently Asked Questions
Is ING Group (INGA) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), ING Group is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is ING Group's debt ratio?
ING Group's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are ING Group's key financial metrics?
ING Group has a market capitalization of $62.6B, trailing P/E ratio of 10.2, and revenue of $22.9B. Return on equity stands at 15.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.