← Quality Momentum
QM · rank #13 · 2026-10-23
ING
GPW · PLN · $15.37B (USD)
SignalBuy2.7strength 2.7 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +61.63% |
|---|---|
| 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). | $15.37B |
| Anchor (recent) Close on 2026-09-23 | $466.80 |
| Anchor (far) Close on 2025-09-23 | $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 and a major universal bank offering retail, corporate, and investment products to over 4.8 million customers.
Rationale
A high TTM ROE of 24.1% and 38.7% profit margin backed by robust 16% fee income growth fully support the model's strong 61.6% 12-1 momentum signal.
Material risks
- 1UOKiK's ongoing investigation into anti-competitive mortgage-credit scoring practices, which could lead to regulatory sanctions, penalties, or restrictions on underwriting practices.
- 2Net interest margin compression (falling to ~3.07% in Q2 2026) driven by intense Polish market price competition and reference-rate adjustments.
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