ING Stock Analysis: Buy, Sell, or Hold?
ING - ING Groep N.V. American Depositary Shares
$34.93
-0.01 (-0.03%)
▼
5d:
+6.4%
30d:
+10.96%
90d:
+20.74%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 30, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ING is fairly valued with market pricing in 4.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: ING is fairly valued with market pricing in 4.0% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$42.51
Based on 6.5% avg growth
INTRINSIC VALUE TODAY
$26.40
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ING is currently trading at $34.93, which is considered extended relative to its 30-day fair value range of $31.47 to $33.45. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.9) compared to its historical average (9.7). At these levels, the market is pricing in 4.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ING is in a strong uptrend. The price is approaching resistance at $35.06. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ING has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, ING is in a strong uptrend. The price is approaching resistance at $35.06. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ING has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$31.47 -
$33.45
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
Protect Your Profits
Holding ING? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($33.83)
- NEUTRAL: Market pricing in 4.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$31.47 -
$33.45
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$32.12
Resistance Level
$35.07
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.91
Wall Street Target
$33.83
(-3.1%)
Revenue Growth (YoY)
2.9%
Earnings Growth (YoY)
13.7%
Profit Margin
34.2%
Valuation Premium vs History
+4.0% premium
PE vs Historical
10.9 vs 9.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.0%
(market-implied from PE analysis)
1-Year Target
$36.33
(+4%)
2-Year Target
$37.78
(+8%)
3-Year Target
$39.29
(+13%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$34.93
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 9.0%)
$86.00
(+146%)
Base:
(SPY PE: 10.9, Growth: 9.0%)
$45.27
(+30%)
Bear:
(PE: 9.3, Growth: 9.0%)
$38.48
(+10%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 13.29 | Current EPS (TTM): $2.63
Bull Case
$46.78
(+34%)
Analyst growth 21.7%, PE expands to 14.6
Base Case
$42.53
(+22%)
Market implied 21.7%, PE stable at 13.3
Bear Case
$23.76
(-32%)
Severe decline -20.0%, PE contracts to 11.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 10:28 PM ET
Data refreshes hourly during market hours. Next update: 11:28 PM
Data refreshes hourly during market hours. Next update: 11:28 PM
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Technical Signals Check
Is ING showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced ING Option Strategies
Professional options setups generated by AI based on today's ING price and gamma walls.
