Is ING stock a Buy, Sell, or Hold?

Based on our analysis, ING is currently a WAIT with low confidence. 📊 MIXED SIGNALS: ING shows conflicting indicators. Wait for confirmation before entering.

What is the fair value of ING stock?

Our analysis estimates the fair value range for ING to be between $34.97 and $36.47. The current price is $37.27.

What is the analyst price target for ING?

The average Wall Street analyst price target for ING is $35.50. This implies a potential upside of -4.7% from current levels.

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

ING - ING Groep N.V. American Depositary Shares

Commercial Banks, NEC

$37.27

0.60 (1.64%) ▲

5d: +0.49%

30d: +4.66%

90d: +25.57%

WAIT

LOW Confidence

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Analysis Updated: Sep 11, 2026 12:00 AM ET

Earnings: Oct 29, 2026

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Interactive Price Chart (1 Month)

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Bottom Line:
📊 MIXED SIGNALS: ING shows conflicting indicators. Wait for confirmation before entering.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 19.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$54.88

Based on 11.5% avg growth

INTRINSIC VALUE TODAY

$34.07

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 10.0x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: ING is currently trading at $37.27, which is considered extended relative to its 30-day fair value range of $34.97 to $36.47. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.6) compared to its historical average (10.0). At these levels, the market is pricing in 5.4% 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 $37.52. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: ING scores 19/100 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. Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position EXTENDED

Historical Trading Range $34.97 - $36.47

Company Quality Score 43/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 22.9%

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All Signals

BEARISH: Price extended above range
BEARISH: Weak technical setup (19/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($35.50)
NEUTRAL: Trading at premium valuation - market expects 5.4% growth which is achievable
WARNING: Composite score 43/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $34.97 - $36.47

Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $35.14

Resistance Level $37.52

Current Trend Strong Uptrend

Technical data as of Sep 11, 2026

Fundamental Context

Forward P/E (Next Year Est.) 11.64

Wall Street Target $35.50 (-4.7%)

Revenue Growth (YoY) 11.1%

Earnings Growth (YoY) 22.1%

Profit Margin 34.5%

Valuation Premium vs History +5.4% premium

PE vs Historical 11.6 vs 10.0 STRETCHED

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +5.4% (market-implied from PE analysis)

1-Year Target $39.28 (+5%)

2-Year Target $41.40 (+11%)

3-Year Target $43.64 (+17%)

3-Yr Target (if PE normalizes) (PE: 12→10) PE COMPRESSION $37.50 (+1%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.2, Growth: 19.0%) $108.75 (+192%)

Base: (SPY PE: 11.6, Growth: 19.0%) $62.75 (+68%)

Bear: (PE: 9.9, Growth: 19.0%) $53.34 (+43%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (12x PE) as earnings recover.

Trailing PE: 13.68 | Current EPS (TTM): $2.68

Bull Case $48.20 (+29%)

Analyst growth 19.5%, PE expands to 15.1

Base Case $43.82 (+18%)

Market implied 19.5%, PE stable at 13.7

Bear Case $24.94 (-33%)

Severe decline -20.0%, PE contracts to 11.6

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

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Last updated: September 13, 2026 10:29 PM ET
Data refreshes hourly during market hours. Next update: 11:29 PM

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Insider Activity (6 Months)

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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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