AU · rank #10 · 2026-10-26
INGA
AMSTERDAM · EUR · $90.58B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.591 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.10 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 7 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $34.25 | +20.3% |
| Momentum acceleration 3-month minus 12-month momentum. | -11.76% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.05 |
| Gross margin TTM | +100.0% |
| 52w high | $32.40 |
| Market cap (USD) | $90.58B |
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 NV is a digital-first European retail and wholesale banking group serving nearly 41 million customers across more than 100 countries.
Rationale
The analyst upside signal is strongly supported by 88.9% revision agreement (+7 net 30-day EPS upgrades) and management's upgraded FY2026 guidance targeting over €24.5 billion in total income and a ROTE above 15%.
Material risks
- 1Impending 3Q2026 earnings on October 29 introduce near-term binary risk if commercial net interest income falls short of full-year guidance (€16.8–€17.0 billion).
- 2Compression in net interest margins and commercial NII driven by accelerating European central bank rate cuts or aggressive retail deposit competition.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.