AU · rank #9 · 2026-10-19
INGA
AMSTERDAM · EUR · $95.97B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.779 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.11 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 7 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $33.99 | +13.1% |
| Momentum acceleration 3-month minus 12-month momentum. | -9.61% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.00 |
| Gross margin TTM | +100.0% |
| 52w high | $32.40 |
| Market cap (USD) | $95.97B |
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 a large-cap European diversified bank operating a digital-first retail and wholesale franchise with €773 billion in customer deposits across multiple European markets.
Rationale
Strong 2Q2026 earnings beat (+16% YoY net profit), a raised 2026–2027 income outlook, 88.9% analyst revision agreement, and 13.1% analyst upside with 7 net upgrades over 30 days collectively validate the analyst_upside signal as grounded in fundamental earnings momentum rather than pure sentiment rotation.
Material risks
- 1Deposit-price competition — particularly intensifying in Germany — combined with any ECB rate cuts could compress the liability margin and undercut the €16.8–17.0 billion commercial NII guidance that underpins the upgraded earnings trajectory.
- 2Risk costs are running at 15 bps versus a 20 bps through-the-cycle average, leaving meaningful upside surprise risk in Stage 3 provisions if European credit quality deteriorates in commercial real estate or wholesale lending.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.