QM · rank #18 · 2026-09-08
ING
GPW · PLN · $15.59B (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). | $15.59B |
| 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 is Poland's digitally-driven universal bank, now also the country's second-largest mortgage lender and a top-15% mutual fund manager following the ING TFI acquisition.
Rationale
The 37.7% trailing momentum is grounded in fundamental delivery — record client acquisition, 11% YoY income growth, ~20% ROE, and a 38.7% profit margin — making this a quality-confirmed momentum signal rather than pure sentiment rotation.
Material risks
- 1NIM compression from Polish rate cuts is the primary thesis-breaker, as net interest income still dominates revenue and a sustained margin squeeze could rapidly erode the ROE that anchors the quality screen.
- 2ING TFI integration execution risk is material — a 250% AUM surge and >15% market share gain in fund management introduces operational, regulatory, and reputational exposure in a business line where ING Śląski has limited legacy depth.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.