← Quality Momentum
QM · rank #11 · 2026-10-22
ING
GPW · PLN · $15.12B (USD)
SignalBuy3.2strength 3.2 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +67.31% |
|---|---|
| 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). | $15.12B |
| Anchor (recent) Close on 2026-09-22 | $483.20 |
| Anchor (far) Close on 2025-09-22 | $288.80 |
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 Poland's second-largest mortgage lender, delivering universal retail, corporate, and asset management services to nearly 4.8 million customers.
Rationale
Exceptional ROE of 24.1% and a 38.7% profit margin combined with strong 12-1 month price momentum (0.673) directly reinforce the quality-momentum factor profile.
Material risks
- 1UOKiK's investigation into potentially anti-competitive mortgage-credit scoring practices could result in financial penalties, remediation costs, or restrictions on underwriting.
- 2Immediate event risk from the scheduled Q3 earnings release in seven days (October 29) alongside ongoing net interest margin compression to 3.07%.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.
OpenAI
Proceed
Claude
Caution
Gemini
Proceed