QM · rank #20 · 2026-09-07
INGA
AMSTERDAM · EUR · $104.55B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +54.22% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +17.1% |
| Profit margin Net profit margin, trailing 12 months. | +34.5% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $104.55B |
| Anchor (recent) Close on 2026-08-07 | $30.49 |
| Anchor (far) Close on 2025-08-08 | $19.77 |
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 large-cap European diversified retail and wholesale bank operating a scaled digital franchise across core European markets with growing mobile primary customer balances and fee income.
Rationale
The momentum_12_1 of 0.54 is reinforced by a genuine fundamental catalyst — Q2 2026 beat, raised 2026–2027 ROTE guidance above 15–16%, and a €1 billion buyback — while ROE of 17.1% and profit margin of 34.5% confirm the quality screen is capturing real, current earnings power rather than stale mean-reversion.
Material risks
- 1Eurozone rate normalisation compressing commercial net interest income, which drives the majority of ING's €6.28 billion quarterly revenue and is the primary engine behind the upgraded guidance that currently justifies the momentum leg of this trade.
- 2Regulatory capital demands rising above the current 13.1% CET1 floor could force ING to curtail the €1 billion buyback and interim dividend, directly undermining the shareholder return narrative that is sustaining price momentum.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.