QM · rank #18 · 2026-09-07
ING
GPW · PLN · $15.47B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +37.69% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +24.1% |
| Profit margin Net profit margin, trailing 12 months. | +38.7% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $15.47B |
| Anchor (recent) Close on 2026-08-07 | $445.00 |
| Anchor (far) Close on 2025-08-08 | $323.20 |
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 Śląski (ING@GPW) is a high-growth Polish universal bank with ~PLN 72bn in AUM, rapidly expanding retail and corporate customer bases, and a recently consolidated asset-management arm following the Goldman Sachs TFI acquisition.
Rationale
The quality_momentum thesis is reinforced by a 37.7% trailing price return, ~20% ROE, 38.7% profit margins, and Q2 2026 net profit beating expectations — all consistent with a high-quality compounder sustaining earnings momentum in a growing Polish banking market.
Material risks
- 1Net interest margin compression to 3.07% in Q2 2026 already drove H1 net profit down ~6% YoY despite volume growth, meaning the quality signal could deteriorate faster than the momentum signal reflects if rate cuts accelerate.
- 2An effective tax rate of 37.3% combined with Polish bank levies structurally caps ROE expansion, and any further regulatory tightening could compress the very margin and capital metrics that underpin the quality screen.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.