ING Stock Analysis: Buy, Sell, or Hold?
ING - ING Groep N.V. American Depositary Shares
$32.30
-0.09 (-0.28%)
▼
5d:
-2.0%
30d:
+12.5%
90d:
+12.58%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 30, 2026
16d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: ING shows positive signals but monitor for confirmation. Market pricing in 2.3% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: ING shows positive signals but monitor for confirmation. Market pricing in 2.3% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$45.73
Based on 8.8% avg growth
INTRINSIC VALUE TODAY
$28.39
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 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ING is currently trading at $32.30, which is considered slightly high relative to its 30-day fair value range of $29.99 to $32.20. The stock's valuation (Forward PE: 10.3) is in line with its historical norms (9.6). At these levels, the market is pricing in 2.3% 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 $31.34. 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. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ING is in a strong uptrend. The price is approaching resistance at $31.34. 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. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$29.99 -
$32.20
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
72.4%
All Signals
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($31.97)
- NEUTRAL: Market pricing in 2.3% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$29.99 -
$32.20
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$28.80
Resistance Level
$31.35
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.31
Wall Street Target
$31.97
(-1.0%)
Revenue Growth (YoY)
2.9%
Earnings Growth (YoY)
13.7%
Profit Margin
34.2%
Valuation Premium vs History
+2.3% premium
PE vs Historical
10.3 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.3%
(market-implied from PE analysis)
1-Year Target
$33.04
(+2%)
2-Year Target
$33.80
(+5%)
3-Year Target
$34.58
(+7%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$32.19
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 13.6%)
$99.90
(+209%)
Base:
(SPY PE: 10.3, Growth: 13.6%)
$47.30
(+46%)
Bear:
(PE: 8.8, Growth: 13.6%)
$40.21
(+25%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 13.05 | Current EPS (TTM): $2.49
Bull Case
$44.97
(+39%)
Analyst growth 25.8%, PE expands to 14.4
Base Case
$40.88
(+26%)
Market implied 25.8%, PE stable at 13.1
Bear Case
$22.10
(-32%)
Severe decline -20.0%, PE contracts to 11.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 13, 2026 5:34 PM ET
Data refreshes hourly during market hours. Next update: 6:34 PM
Data refreshes hourly during market hours. Next update: 6:34 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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