ING
BuyHot AirAI neutralING Groep N.V. · Financial Services · Netherlands · $102.3B cap · $78.8M/day traded
$32.44 -2.9% · close 22 Oct · scored 23 Oct
StockRank down 2.6 since 22 Oct: Momentum down 3 after a 3% price fall.
Hot Air: Rising on momentum alone: weak business, rich price.
Report expected 29 Oct: the next-year EPS estimate has risen 5.3% over the last 13 weeks.
As of 23 Oct 2026, MoatMap's StockRank for ING Groep N.V. (ING) is 67/100, ranked against 24,000+ stocks in 35 markets (Quality 46, Value 46, Momentum 70, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
ING is a large Dutch bank with a strong retail deposit base and a record of heavy capital return: it completed a EUR 1.1 billion buyback and started a new EUR 1 billion programme, alongside an interim cash dividend. Higher-for-longer rates support its net interest income. However, it is a large, widely followed bank, forward earnings estimates were trimmed about 2% in the past month, and European economic weakness raises credit risk, so the case lacks a clear mispricing.
ABOUT ING GROEP N.V.
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ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 21.2B | 25.4B | 25.3B | 25.7B | 6.6% | 28.3B | 27.6B | 29.8B | 7.7% |
| EPS | 1.14 | 2.30 | 2.22 | 2.38 | 27.6% | 2.67 | 2.66 | 3.10 | 14.2% |
| Shares | 3.6B | 3.3B | 3.1B | 2.9B | -19.8% | 2.8B | — | — | — |
| Debt | 134.0B | 168.3B | 192.2B | 201.0B | 14.5% | 294.7B | — | — | — |
| Equity | 56.0B | 57.5B | 56.4B | 55.7B | -0.1% | — | — | — | — |
| Op CF | -12.5B | -12.7B | -25.3B | -7.2B | — | -44.4B | — | — | — |
| Inv CF | -6.0B | -9.6B | -6.8B | -17.6B | — | — | — | — | — |
| Fin CF | 5.2B | 20.6B | 6.0B | 9.2B | — | — | — | — | — |
Above its 200-day average and 14% below its 52-week high.
Calmer than 77% of stocks we rank over the past year (28% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ING are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ING | ING Groep N.V.(you) | $102.3B | 67 | Buy |
| BNS.TO | The Bank of Nova Scotia | $112.4B | 66 | Buy |
| BONY34.SA | The Bank of New York Mellon Corporation | $97.4B | 70 | Buy |
| BARC.L | Barclays PLC | $81.5B | 66 | Buy |
| 601328.SS | Bank of Communications Co., Ltd. | $99.5B | 72 | Buy |
| CM.TO | Canadian Imperial Bank of Commerce | $101.2B | 59 | Hold |
| UBSN.MX | UBS Group AG | $152.1B | 68 | Buy |
| BVA.L | Banco Bilbao Vizcaya Argentaria, S.A. | $160.2B | 69 | Buy |
| BMO-PE.TO | Bank of Montreal | $59.9B | 65 | Hold |
| ABN.AS | ABN AMRO Bank N.V. | $40.4B | 67 | Buy |
Peer medians: ROE 10.2% · P/E 12.0x · Gross margin 86.5%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.