AU · rank #7 · 2026-10-21
INGA
AMSTERDAM · EUR · $92.59B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.743 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.11 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 7 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $33.99 | +15.7% |
| Momentum acceleration 3-month minus 12-month momentum. | -9.14% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.05 |
| Gross margin TTM | +100.0% |
| 52w high | $32.40 |
| Market cap (USD) | $92.59B |
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 customers across 10 countries with a digital-first model generating fee, lending, and deposit income.
Rationale
The analyst_upside_pct of 15.7%, 88.9% revision agreement among 16 analysts, and sustained EPS upgrades across 7-, 30-, 60-, and 90-day windows are directly reinforced by ING's 2Q2026 beat, raised 2026/2027 income and ROTE guidance, and ongoing €1.0 billion buyback — giving the analyst-upside signal fundamental backing rather than pure sentiment.
Material risks
- 1NII compression is the primary thesis-breaker — management's own guidance pins commercial NII to a narrow €16.8–17.0 billion range, 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 bp band.
- 2The unresolved Russian business (buyer failed regulatory approval, €600 million residual offshore exposure) leaves a live sanctions/asset-seizure tail risk that could trigger sudden capital or reputational damage disproportionate to the headline exposure size.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.