AU · rank #12 · 2026-07-23
INGA
AMSTERDAM · EUR · $95.49B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.694 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.04 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 8 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $29.33 | +0.4% |
| Momentum acceleration 3-month minus 12-month momentum. | +8.87% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 3.95 |
| Gross margin TTM | +100.0% |
| 52w high | $29.34 |
| Market cap (USD) | $95.49B |
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
The analyst_upside signal is reinforced by a 41% price target gap, 83% revision agreement among 14 analysts, a 9% Q1 EPS beat, and accelerating 90-day EPS revisions (+$0.12), all pointing to a credible, broad-based re-rating catalyst rather than isolated optimism.
Material risks
- 1Ongoing money-laundering investigations and escalating ECB capital requirements (CET1 floor raised 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.
- 2The global subscription banking rollout is unproven at scale, and if fee income adoption disappoints, the ~€24 billion 2026 revenue guide becomes vulnerable precisely as geopolitical shocks have already compressed "other income" by ~30% YoY.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.