RankAlpha logo
Back to Rankings

ING

ING GroepC
NYSE / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
Deposit stability, favorable European rates and contained credit losses drive NIM expansion and earnings above consensus, pushing the stock toward the upper range of analyst targets within 12 months.
Posture
Mixed
Lead driver
Value
What changed
3 setup hits (3d) with net bullish as of 2026-10-25.
What can break
European macro slowdown depressing NIM and raising impairments
Momentum
42
Value
55
Sentiment
53
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $31.00 · Bull $36.00 · Bear $24.00Analysis 2026-02-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-03 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bullish
Target $38.66
Why
Momentum42 · Δ7d -13.0
Value55 · Δ7d +2.7
Sentiment53 · Δ7d +5.5
So what
Balanced signals (Net Bullish). Wait for confirmation before sizing up.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-10-25.
  • • Value remains the lead driver in the composite, 7D delta +2.7.

Contradictions & invalidation

  • • European macro slowdown depressing NIM and raising impairments
  • • Large deposit outflows or funding stress
  • • Prolonged macro weakness, rising impairments, or regulatory/headline penalties compress margins and force multiple contraction, sending the ADR toward the lower analyst range.

Catalyst clock

2026-05-04

Analyst consensus/target refresh

Lead driver: Value · See fundamentals
Momentum
42
8% active weight
Current posture
7d trendImproving
Δ7d
-13.0
Δ21d
-35.3
Value
55
47% active weight
Current posture
7d trendImproving
Δ7d
+2.7
Δ21d
+3.3
Sentiment
53
45% active weight
Current posture
7d trendImproving
Δ7d
+5.5
Δ21d
+3.5
Why this grade

Composite grade C. Momentum 42.2 / Value 55.5 / Sentiment 52.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-02-03. Scenario method

B+
Bull case
20%
Probability
Target price
$36.00
Analysis reference price unavailable
Analysis 2026-02-03 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$31.00
Analysis reference price unavailable
Analysis 2026-02-03 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-02-03 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$88.93B
Beta
1.06
Shares Out
2.81B
P/E (TTM)
12.3
P/S (TTM)
3.07
P/FCF (TTM) · Derived
-36.49
Rev YoY
+13.0%
EPS YoY
+25.2%
Gross Margin
-
Op Margin
+41.3%
Net Debt
$225.23B
Current Ratio
0.19
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data