AU · rank #10 · 2026-10-22
INGA
AMSTERDAM · EUR · $94.49B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.531 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.11 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 7 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $33.99 | +14.0% |
| Momentum acceleration 3-month minus 12-month momentum. | -9.58% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.05 |
| Gross margin TTM | +100.0% |
| 52w high | $32.40 |
| Market cap (USD) | $94.49B |
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 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 signal is reinforced by concrete fundamentals — 88.9% revision agreement among 16 analysts, a 5.19% earnings beat last quarter, raised 2026/2027 income and ROTE guidance, and a 13.98% consensus price target gap — all pointing to systematic underpricing rather than mere sentiment rotation.
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 pressure could collapse the liability margin that is currently holding the upper-middle of the 100–110 bps band, directly undercutting the earnings revision trajectory.
- 2The 3Q2026 earnings report lands October 29 (7 days post as-of-date), creating binary event risk that could invalidate the upside gap before the trade has time to work, especially given momentum_acceleration of -9.6% signaling near-term price weakness into the print.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.