ING Group N.V. (ING) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, ING Group N.V. (NYSE: ING) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $31.38 (-0.25% 1D, market cap $91.31B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, ING ranks #499 in composite RQD confidence.
Within the Financials sector (Commercial Banks), ING carries a Roarable D+ (56/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, IBN (ICICI Bank Limited) holds a C+ grade (66/100 RQD, P/E 32.8x, ROIC 9.9%, cap $105.43B) and CM (Canadian Imperial Bank of Commerce) posts a C grade (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $105.76B). Among the 5-stock peer group, ING leads on earnings multiple (32.8x) while ING leads on capital efficiency (9.9% ROIC).
For ING Group N.V. (ING), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #499 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($2.02B FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)
Even with a 56/100 (D+) score, ING faces multiple-compression risk if 32.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.71) or 200D SMA ($31.32) invalidates the momentum regime and cuts Target Base ($31.10) toward Bear Floor ($24.26).
ING Group N.V. (ING) slipped -0.25% to $31.38, trading at 53% of its 52-week range ($24.35 – $37.52). Stretched risk/reward at 33x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
Investing.com -- Sterling traded higher on Monday while the euro also firmed, as the dollar eased on a 2-3% drop in oil prices after reports that U.S. President Donald Trump wants diplomacy with Iran to run its course.
Heineken N.V. successfully places €1.0 billion of Notes Amsterdam, 30 October 2026 - Heineken N.V. (EURONEXT: HEIA; OTCQX: HEINY) announced that it has successfully placed €1.0 billion of Notes across two tranches today.
Stability is great, but low-volatility stocks may struggle to deliver market-beating returns over time as they sometimes underperform during bull markets.
Alongside the restructuring, the bank also launched a €1.65bn share buyback.
Investing.com -- Sterling traded firmer on Friday while the euro edged higher, as the dollar softened on pre-midterm position-trimming and renewed AI-stock jitters.
Treasury yields rallied into the close of the week, tracking weakness in the tech sector following another round of disappointing earnings from Intel and Amazon.
ING Groep has rewarded long term shareholders with a very strong run, so the question now is whether the current share price at €28.85 still lines up with the earnings that support it. After such a move, the issue for an
ING Groep earnings and shareholder distribution ING Groep (ENXTAM:INGA) has combined a fresh set of third quarter 2026 earnings with a new shareholder distribution plan, giving investors updated numbers and a clearer vie
2026-10-30. The following slide deck was published by ING Groep N.V.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ING today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ING. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, ING Group N.V. (ING) ranks #499 by composite RQD confidence (56/100, grade D+) and #39 by equity capitalization ($91.31B). Within this direct 5-issuer industry benchmark cohort, ING leads on earnings valuation at 32.8x trailing P/E, while ING leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. IBN currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with ING at 56/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| ING
ACTIVE
ING Group N.V. | D+ | 56/100 | 32.8x | — | 9.9% | -0.25% | $91.31B | Benchmark Subject |
| IBN ICICI Bank Limited | C+ | 66/100 | 32.8x | — | 9.9% | +2.07% | $105.43B | /ibn-vs-ing → |
| CM Canadian Imperial Bank of Commerce | C | 64/100 | 32.8x | — | 9.9% | +0.44% | $105.76B | /cm-vs-ing → |
| BCS Barclays PLC | D | 49/100 | 32.8x | — | 9.9% | +1.39% | $74.93B | /bcs-vs-ing → |
| LYG Lloyds Banking Group Plc | D | 49/100 | 32.8x | — | 9.9% | +0.80% | $74.11B | /lyg-vs-ing → |
ING Group N.V. (ING) operates in Commercial Banks (Financials) with an equity capitalization of $91.31B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.
As of 2026-11-03, ING Group N.V. (NYSE: ING) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $31.38 (-0.25% 1D, market cap $91.31B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, ING ranks #499 in composite RQD confidence.
Within the Financials sector (Commercial Banks), ING carries a Roarable D+ (56/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, IBN (ICICI Bank Limited) holds a C+ grade (66/100 RQD, P/E 32.8x, ROIC 9.9%, cap $105.43B) and CM (Canadian Imperial Bank of Commerce) posts a C grade (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $105.76B). Among the 5-stock peer group, ING leads on earnings multiple (32.8x) while ING leads on capital efficiency (9.9% ROIC).
For ING Group N.V. (ING), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #499 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.
ING last traded at $31.38 (-0.25% on volume of 2,996,504 shares), positioning the stock -9.59% below its 50-day simple moving average ($34.71) and +0.19% above its 200-day simple moving average ($31.32). Across its 52-week range of $24.35 to $37.52, ING sits at the 53.4% percentile with a 14-day RSI of 35.3 (NEUTRAL RANGE) and an implied next-earnings move of ±3.2% ($30.38 to $32.38).
ING Group N.V. (ING) earns a live Roarable RQD composite score of 56/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $31.38 (-0.25% 1D, market capitalization $91.31B).
ING Group N.V. Is classified in the Financials sector and the Commercial Banks industry. It trades on the NYSE. The company is a NYSE-listed issuer in Commercial Banks with a market capitalization of $93.6B.
Sector is Financials and industry is Commercial Banks.92, or second-order bottlenecks.
Real-time company headlines, analyst actions, and sector developments for ING Group N.V. (ING) • Click "Debate This Headline" to argue it in the Roar Pit below
Investing.com -- Sterling traded higher on Monday while the euro also firmed, as the dollar eased on a 2-3% drop in oil prices after reports that U.S. President Donald Trump wants diplomacy with Iran to run its course.
Heineken N.V. successfully places €1.0 billion of Notes Amsterdam, 30 October 2026 - Heineken N.V. (EURONEXT: HEIA; OTCQX: HEINY) announced that it has successfully placed €1.0 billion of Notes across two tranches today.
Stability is great, but low-volatility stocks may struggle to deliver market-beating returns over time as they sometimes underperform during bull markets.
Alongside the restructuring, the bank also launched a €1.65bn share buyback.
Investing.com -- Sterling traded firmer on Friday while the euro edged higher, as the dollar softened on pre-midterm position-trimming and renewed AI-stock jitters.
Treasury yields rallied into the close of the week, tracking weakness in the tech sector following another round of disappointing earnings from Intel and Amazon.
ING Groep has rewarded long term shareholders with a very strong run, so the question now is whether the current share price at €28.85 still lines up with the earnings that support it. After such a move, the issue for an
Here is why I am bullish on ING here at $31.46: Forensic balance sheet metrics (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) are the strongest pillar at 15/20.. Compare ING's 13.9% operating margin and 9.9% ROIC against the rest of Commercial Banks. As long as cash conversion holds up, dips toward $29.89 are getting bought.
@BearTrap_Alert Shorting a 7/20 institutional whale-flow stock at $31.46 is dangerous when funds are rotating into Financials.
Sitting on the sidelines or leaning short ING above $31.46. A P/E (TTM) of 32.8 against an FCF yield of 2.21% and ROIC of 9.9% leaves the valuation resting on expectations the cash engine does not yet show.. Until Fundamental Cash Engine (12/20) and FCF yield (2.21%) inflect higher, upside is capped near $37.52.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Gideon Ashmere, Ellis Vennor, Tessa Rookmere, Soren Halewick, Iona Brackenford, Nadia Vellacrest, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your email address below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).