ING Stock Analysis: Buy, Sell, or Hold?
ING - ING Groep N.V. American Depositary Shares
$34.84
0.34 (0.99%)
▲
5d:
-2.41%
30d:
+7.4%
90d:
+13.63%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 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:
ℹ️ NEUTRAL: ING is fairly priced but lacks strong directional signals. At 3.6% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
ℹ️ NEUTRAL: ING is fairly priced but lacks strong directional signals. At 3.6% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$47.02
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$29.19
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 9.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ING is currently trading at $34.84, which is considered fair relative to its 30-day fair value range of $32.94 to $35.55. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.9) compared to its historical average (9.8). At these levels, the market is pricing in 3.6% 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 currently testing key support at $34.50. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: ING scores 35/100 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.
Technical Outlook: Technically, ING is in a strong uptrend. The price is currently testing key support at $34.50. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: ING scores 35/100 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
FAIR
Historical Trading Range
$32.94 -
$35.55
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
46.2%
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
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (35/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($33.83)
- NEUTRAL: Market pricing in 3.6% annual earnings growth - fairly valued
- WARNING: Composite score 45/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$32.94 -
$35.55
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$34.50
Resistance Level
$35.98
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.92
Wall Street Target
$33.83
(-2.9%)
Revenue Growth (YoY)
11.1%
Earnings Growth (YoY)
22.1%
Profit Margin
34.5%
Valuation Premium vs History
+3.6% premium
PE vs Historical
10.9 vs 9.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.6%
(market-implied from PE analysis)
1-Year Target
$36.09
(+4%)
2-Year Target
$37.39
(+7%)
3-Year Target
$38.74
(+11%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$34.77
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 13.1%)
$92.56
(+166%)
Base:
(SPY PE: 10.9, Growth: 13.1%)
$50.36
(+45%)
Bear:
(PE: 9.3, Growth: 13.1%)
$42.81
(+23%)
📈
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: 12.92 | Current EPS (TTM): $2.67
Bull Case
$45.35
(+30%)
Analyst growth 19.5%, PE expands to 14.2
Base Case
$41.22
(+18%)
Market implied 19.5%, PE stable at 12.9
Bear Case
$23.46
(-33%)
Severe decline -20.0%, PE contracts to 11.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 1:25 AM ET
Data refreshes hourly during market hours. Next update: 2:25 AM
Data refreshes hourly during market hours. Next update: 2:25 AM
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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.
