AU · rank #7 · 2026-10-20
INGA
AMSTERDAM · EUR · $95.77B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.671 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.11 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 7 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $33.99 | +15.2% |
| Momentum acceleration 3-month minus 12-month momentum. | -11.15% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.00 |
| Gross margin TTM | +100.0% |
| 52w high | $32.40 |
| Market cap (USD) | $95.77B |
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 pan-European diversified bank serving ~41 million retail and wholesale customers across 10 countries with a digital-first model generating fee, lending, and deposit income.
Rationale
The analyst_upside_pct of 15.2% is reinforced by concrete fundamental delivery — 2Q2026 net income +16% YoY, raised 2026/2027 income and ROTE guidance, and 89% revision agreement among 16 analysts lifting EPS estimates across 7-, 30-, 60-, and 90-day windows — making the consensus upgrade cycle credible rather than sentiment-only.
Material risks
- 1NII compression is the primary thesis-breaker — management's own guidance pins commercial NII to a narrow €16.8–17.0 billion band, and any ECB rate cuts or deposit repricing acceleration could collapse the liability margin that is currently holding the upper-middle of the 100–110 bps range, directly undercutting the earnings revision cycle driving this signal.
- 2Momentum acceleration is deeply negative at -11.1%, and analyst target dispersion is wide at 47%, signaling that while the consensus direction is bullish, price momentum has stalled and the bull/bear spread on fair value is large enough to delay or dilute the upside capture.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.