ING · NYSE · STOCK
ING Groep N.V.
$35.33
52W $23.63 – $36.24
69/100
$100.98B
13.3
0.86
Is ING Bullish or Bearish?
Bullish.
Innellis AI committee rates ING Groep N.V. (ING) Buy with a composite score of 69/100
, based on 6 analysts with 83% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +5.96 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -14.04 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 8.5 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- ROE of 20.1% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.7% pays you to wait — Value
- Revenue growing 92.9% YoY -- genuine top-line momentum — Growth
- EPS growing 40.1% YoY — Growth
Bear Case
- Debt-to-equity of 3.43 adds balance-sheet risk to the value case — Value
- Weekly RSI at 78 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 3.43) amplifies downside in a stress scenario — Risk
- Bollinger bandwidth of 15.8% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
69/100
Agreement
83%
Analysts
6
Conviction
Contested
Sector Rank
Top 24%
of 209 Financial Services peers
Value Analyst
bullish
68
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 8.5 is inexpensive for the broad market
− Debt-to-equity of 3.43 adds balance-sheet risk to the value case
Growth Analyst
bullish
85
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 92.9% YoY -- genuine top-line momentum
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Weekly RSI at 78 -- overbought on the larger timeframe too
Risk Analyst
neutral
45
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 3.43) amplifies downside in a stress scenario
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
70
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.40 across 21 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
62.7
Neutral
MACD Histogram
0.082
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.75
Inside Bands
Price vs Moving Averages
EMA 9
$35.09
Above
EMA 21
$34.16
Above
EMA 50
$32.66
Above
EMA 200
$29.02
Above
Fundamental Analysis
Valuation
99
Profitability
67
Financial Health
0
Cash Flow
15
Valuation
P/E Ratio
13.3×
P/B Ratio
1.75×
PEG Ratio
0.86
Dividend Yield
1.86%
52W High
$36.24
52W Low
$23.63
Quality & Growth
ROE
1273.1%
ROA
60.0%
Gross Margin
9446.1%
Operating Margin
4138.5%
Revenue Growth YoY
—
Debt / Equity
4.31
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 13.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.8x; PEG ratio of 0.9 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 12.7%; Return on assets of 0.6%; Net margin of 28.2%; Gross margin of 94.5%; Current ratio of 0.07 (tight short-term liquidity); Debt-to-equity of 4.31; Free cash flow per share is negative (0.00); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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