QM · rank #12 · 2026-10-20
ING
GPW · PLN · $15.34B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +54.52% |
|---|---|
| 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). | $15.34B |
| Anchor (recent) Close on 2026-09-18 | $447.00 |
| Anchor (far) Close on 2025-09-19 | $289.27 |
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 SA is a major Polish universal bank and the country's second-largest mortgage lender, offering retail and corporate banking along with investment management via its integrated ING TFI platform.
Rationale
High ROE (24.1%), net profit margins of 38.7%, and robust 54.5% 12-1 price momentum validate the quality-momentum thesis, supported by 18% YoY retail loan growth and full acquisition of Goldman Sachs TFI.
Material risks
- 1Poland's UOKiK antitrust investigation into mortgage-credit scoring practices could result in regulatory fines, mandated underwriting changes, or structural restrictions on mortgage origination.
- 2Polish banking price competition and net interest margin compression (falling to 3.07%) could erode net interest income growth.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.