ING Stock Analysis: Buy, Sell, or Hold?
ING - ING Groep N.V. American Depositary Shares
$29.39
-0.47 (-1.57%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 05, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ING is fairly valued with market pricing in 0.5% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: ING is fairly valued with market pricing in 0.5% 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
$40.88
Based on 7.0% avg growth
INTRINSIC VALUE TODAY
$25.38
Trading above fair value
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 10.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ING is currently trading at $29.39, which is considered extended relative to its 30-day fair value range of $28.12 to $29.26. The stock's valuation (Forward PE: 11.1) is in line with its historical norms (10.9). At these levels, the market is pricing in 0.5% 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 $30.10. 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 $30.10. 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
Fair Price Range
$28.12 -
$29.26
Company Quality Score
65/100
(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 ($28.95)
- NEUTRAL: Market pricing in 0.5% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$28.12 -
$29.26
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$28.00
Resistance Level
$30.10
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
11.13
Wall Street Target
$28.95
(-3.0%)
Revenue Growth (YoY)
-0.1%
Earnings Growth (YoY)
2.8%
Profit Margin
25.0%
Valuation Premium vs History
+0.5% premium
PE vs Historical
11.1 vs 10.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.5%
(market-implied from PE analysis)
1-Year Target
$30.01
(+1%)
2-Year Target
$30.16
(+1%)
3-Year Target
$30.31
(+2%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
PE COMPRESSION
$29.68
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 9.9%)
$79.50
(+166%)
Base:
(SPY PE: 11.1, Growth: 9.9%)
$39.68
(+33%)
Bear:
(PE: 9.5, Growth: 9.9%)
$33.73
(+13%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.37 | Current EPS (TTM): $2.40
Bull Case
$36.50
(+24%)
Analyst growth 11.8%, PE expands to 13.6
Base Case
$33.18
(+13%)
Market implied 11.8%, PE stable at 12.4
Bear Case
$20.18
(-31%)
Severe decline -20.0%, PE contracts to 10.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 30, 2026 11:58 PM ET
Data refreshes hourly during market hours. Next update: 12:58 AM
Data refreshes hourly during market hours. Next update: 12:58 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.
