QM · rank #14 · 2026-07-22
ING
GPW · PLN · $15.22B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +55.93% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +22.6% |
| Profit margin Net profit margin, trailing 12 months. | +39.9% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $15.22B |
| Anchor (recent) Close on 2026-06-22 | $451.80 |
| Anchor (far) Close on 2025-06-20 | $289.75 |
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 Bank Slaski SA is a leading Polish universal bank with a strong digital franchise serving 4.7 million individual clients and expanding into asset management via Goldman Sachs TFI.
Rationale
The quant signal's momentum of 0.5593 and high quality are validated by an exceptional 22.55% ROE, a 39.85% profit margin, and record quarterly mortgage sales of around PLN 6 billion [2].
Material risks
- 1Regulatory intervention and potential financial penalties from the Polish watchdog UOKiK's active investigations into mortgage credit scoring and unauthorized transactions [1].
- 2Profitability compression driven by rising corporate tax rates, high bank resolution fund costs, and the 32-basis-point Tier 1 capital reduction from the Goldman Sachs TFI acquisition [1, 4].
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.