ING Stock Analysis: Buy, Sell, or Hold?
ING - ING Groep N.V. American Depositary Shares
$26.05
1.28 (5.17%)
▲
5d:
+3.58%
30d:
-7.16%
90d:
-6.8%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: May 01, 2026
30d
Smart Money Accumulation
ING is down 3.2% this week, but smart money is accumulating calls. Top strike: $25 2026-06-18 with 377 OI. Call ratio: 74% View Scanner →
Strength: 4.0/10
Get Alerted When ING Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: ING shows positive signals but monitor for confirmation. Market pricing in 4.9% decline. Moderate conviction.
💡 BUY OPPORTUNITY: ING shows positive signals but monitor for confirmation. Market pricing in 4.9% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$44.14
Based on 8.0% avg growth
INTRINSIC VALUE TODAY
$27.41
5.0% 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 9.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ING is currently trading at $26.05, which is considered fair relative to its 30-day fair value range of $25.26 to $28.35. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.4) compared to its historical average (9.7). Remarkably, the market is currently pricing in an annual earnings decline of 4.9% over the next few years. This pessimistic expectation contrasts with the company's recent 3977.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ING is in a strong uptrend. The price is approaching resistance at $26.34. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.2% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $30.80 (+18.2%). 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 $26.34. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.2% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $30.80 (+18.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$25.26 -
$28.35
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.2%)
- BULLISH: Trading below Wall St target ($30.80)
Fair Price Analysis
30-Day Fair Range
$25.26 -
$28.35
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$24.64
Resistance Level
$26.34
Current Trend
Strong Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.38
Wall Street Target
$30.80
(+18.2%)
Revenue Growth (YoY)
118.2%
Earnings Growth (YoY)
3977.7%
Profit Margin
34.0%
Valuation Discount vs History
-4.9% cheaper
PE vs Historical
8.4 vs 9.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.9%
(market-implied from PE analysis)
1-Year Target
$24.77
(-5%)
2-Year Target
$23.56
(-10%)
3-Year Target
$22.41
(-14%)
3-Yr Target (if PE normalizes)
(PE: 8→10)
$25.94
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 11.9%)
$97.27
(+273%)
Base:
(SPY PE: 8.4, Growth: 11.9%)
$36.46
(+40%)
Bear:
(PE: 7.1, Growth: 11.9%)
$30.99
(+19%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 10.35 | Current EPS (TTM): $2.43
Bull Case
$34.14
(+33%)
Analyst growth 23.5%, PE expands to 11.4
Base Case
$31.04
(+21%)
Market implied 23.5%, PE stable at 10.4
Bear Case
$17.10
(-34%)
Severe decline -20.0%, PE contracts to 8.8
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 8.4 to 9.7
Stabilization Target:
$30.16
(+15.8%)
PE Expansion Potential:
+15.8%
Share & Embed Analysis
Last updated: March 31, 2026 5:45 PM ET
Data refreshes hourly during market hours. Next update: 6:45 PM
Data refreshes hourly during market hours. Next update: 6:45 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is ING showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Diversified Stocks
Top-rated stocks in Banks - Diversified by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
BAC
Bank of America Corp |
STRONG BUY
25 analysts |
$62 | 65 BUY |
|
WFC
Wells Fargo & Company |
BUY
24 analysts |
$101 | 62 BUY |
|
JPM
JPMorgan Chase & Co |
BUY
25 analysts |
$343 | 62 BUY |
|
C
Citigroup Inc. |
STRONG BUY
22 analysts |
$134 | 60 BUY |
|
RY
Royal Bank of Canada |
STRONG BUY
16 analysts |
$174 | 54 HOLD |
