AU · rank #15 · 2026-07-22
INGA
AMSTERDAM · EUR · $93.81B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.517 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.04 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 8 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $29.33 | +0.9% |
| Momentum acceleration 3-month minus 12-month momentum. | +6.78% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 3.95 |
| Gross margin TTM | +100.0% |
| 52w high | $29.10 |
| Market cap (USD) | $93.81B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
ING Groep is the largest Dutch universal bank operating a digital-first retail and wholesale franchise across Europe, increasingly pivoting toward subscription-based fee income to complement net interest income.
Rationale
Strong EPS revision momentum (83% analyst agreement, +3.6% 30-day revision, 9% Q1 earnings beat) combined with a 94% analyst upside and accelerating price momentum directly reinforces the analyst_upside strategy's logic that consensus is still catching up to ING's improving earnings trajectory.
Material risks
- 1Ongoing money-laundering investigations and escalating ECB capital requirements (CET1 floor rising to 11% in 2026) could force ING to curtail buybacks or balance-sheet growth, directly undermining the capital-return thesis that underpins analyst target upgrades.
- 2Geopolitical shocks have already compressed "other income" by ~30% YoY, and if macro deterioration drives risk costs above through-the-cycle averages, the EPS revision trend that powers this signal could reverse sharply given ING's sensitivity to European credit cycles.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.