Is ING stock a Buy, Sell, or Hold?

Based on our analysis, ING is currently a HOLD with moderate confidence. 📊 HOLD: ING shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

What is the fair value of ING stock?

Our analysis estimates the fair value range for ING to be between $33.21 and $36.35. The current price is $31.84.

What is the analyst price target for ING?

The average Wall Street analyst price target for ING is $36.50. This implies a potential upside of 14.6% from current levels.

ING Groep (ING) Stock: Buy, Sell, or Hold?

ING - ING Groep N.V. American Depositary Shares

Commercial Banks, NEC

$31.84

-0.60 (-1.85%) ▼

5d: -4.81%

30d: -11.82%

90d: -4.93%

HOLD

MODERATE Confidence

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Analysis Updated: Oct 23, 2026 12:00 AM ET

Earnings: Oct 29, 2026 4d

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: ING shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 16.6%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$54.16

Based on 10.3% avg growth

INTRINSIC VALUE TODAY

$33.63

5.3% Margin of Safety

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 10.1x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: ING is currently trading at $31.84, which is considered oversold relative to its 30-day fair value range of $33.21 to $36.35. The stock's valuation (Forward PE: 9.7) is in line with its historical norms (10.1). Remarkably, the market is currently pricing in an annual earnings decline of 1.5% over the next few years. This pessimistic expectation contrasts with the company's recent 22.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.

Technical Outlook: Technically, ING is in a strong uptrend. The price is currently testing key support at $31.40. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: ING scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $36.50 (+14.6%). 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 OVERSOLD

Historical Trading Range $33.21 - $36.35

Company Quality Score 58/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 54.8%

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All Signals

BULLISH: Price oversold vs 30-day range
BEARISH: Weak technical setup (37/100)
BULLISH: High volume confirmation
BULLISH: Trading below Wall St target ($36.50)

Trading Range Analysis

30-Day Trading Range $33.21 - $36.35

Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $31.40

Resistance Level $34.04

Current Trend Strong Uptrend

Technical data as of Oct 23, 2026

Fundamental Context

Forward P/E (Next Year Est.) 9.65

Wall Street Target $36.50 (+14.6%)

Revenue Growth (YoY) 11.1%

Earnings Growth (YoY) 22.1%

Profit Margin 34.5%

Valuation Discount vs History -1.5% cheaper

PE vs Historical 9.7 vs 10.1 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -1.5% (market-implied from PE analysis)

1-Year Target $31.36 (-2%)

2-Year Target $30.89 (-3%)

3-Year Target $30.43 (-4%)

3-Yr Target (if PE normalizes) (PE: 10→10) $31.83 (0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 19.9, Growth: 16.6%) $103.87 (+226%)

Base: (SPY PE: 9.7, Growth: 16.6%) $50.50 (+59%)

Bear: (PE: 8.2, Growth: 16.6%) $42.92 (+35%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.

Trailing PE: 12.15 | Current EPS (TTM): $2.67

Bull Case $44.07 (+38%)

Analyst growth 23.5%, PE expands to 13.4

Base Case $40.07 (+26%)

Market implied 23.5%, PE stable at 12.2

Bear Case $22.06 (-31%)

Severe decline -20.0%, PE contracts to 10.3

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

💡 Upside Surprise Potential

If earnings stabilize (0% growth), PE could expand from 9.7 to 10.1

Stabilization Target: $33.31 (+4.6%)

PE Expansion Potential: +4.6%

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Last updated: October 24, 2026 3:16 AM ET
Data refreshes hourly during market hours. Next update: 4:16 AM

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ING Groep N.V. American Depositary Shares

Commercial Banks, NEC

About

The merger of the Dutch postal bank and NN Insurance in 1991 created ING. Through a series of further acquisitions, ING has built up a global footprint. The 2008 financial crisis forced ING to seek government support—a precondition of which was that ING should separate its banking and insurance activities, which saw ING revert to being solely a bank. ING has market-leading banking operations in the Netherlands and Belgium, and a range of digital banks across Europe and Australia. Its global wholesale banking operation is primarily focused on lending.

Exchange: XNYS

Market Cap: $76,436,428,378

Employees: 63,930

Listed Since: 1994-10-31

Website: Visit

CIK: 0001039765

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