Stock Ratings / Financials / ING / options

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ING Group N.V. (ING) Options Positioning, Max Pain & Unusual Sweeps

$31.46 -2.42% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $31.26

ING Group N.V. (ING) carries a Roarable Rating of D+ (Sell) with 57/100 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.

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $93.57B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ING Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ING stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, ING Group N.V. (NYSE: ING) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $31.46 (-2.42% 1D, market cap $93.57B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, ING ranks #503 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ING compare to IBN and CM in the Financials sector?

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Within the Financials sector (Commercial Banks), ING carries a Roarable D+ (57/100 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 (62/100 RQD, P/E 32.8x, ROIC 9.9%, cap $104.29B) and CM (Canadian Imperial Bank of Commerce) posts a C grade (65/100 RQD, P/E 32.8x, ROIC 9.9%, cap $107.89B). Among the 5-stock peer group, HDB leads on earnings multiple (14.9x) while HDB leads on capital efficiency (20.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ING?

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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 #503 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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $31.26 (-0.63%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 15.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ING)Realized 20D OHLCV Swing Band: ±3.1%

Deterministic 5-Pillar Attribution (57/100 Composite)

🔍 WHY ING SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (21% of score)

SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($2.07B FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$33.63-2% Next Q

Q2 (-2Q)

Grade C+$32.96-1.2% Next Q

Q3 (-1Q)

Grade C$32.57-3.4% Next Q

Current

Grade D+$31.46-0.2% Hist 90D α

Trajectory: C+ (65) → D+ (57)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ING Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (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.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.79) or 200D SMA ($31.31) invalidates the momentum regime and cuts Target Base ($31.32) toward Bear Floor ($24.43).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ING• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ING Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”

YES 57%NO 43%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±3.1%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (ING)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for ING.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring ING)

✓Walkthrough of ING's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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ING // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.17%🛡️ HOLDING TREND SUPPORT

2026-11-02O $32.89H $32.89L $31.46C $31.46VOL 2.50M

RES: $40.86SUP: $31.23SMA50: $34.79SMA200: $31.31

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ING Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ING Butterfly Map → + Track ING →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

25.3%/yr Implied 5Y Growth

vs. -3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ING today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ING. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ING today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ING)

Financials Rank #503 of 1096 ⚔️ IBN vs ING Full Matrix →

1. Head-to-Head Financials Peer Comparison (ING vs. IBN, CM, HDB, LYG)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, ING Group N.V. (ING) ranks #503 by composite RQD confidence (57/100, grade D+) and #37 by equity capitalization ($93.57B). Within this direct 5-issuer industry benchmark cohort, HDB leads on earnings valuation at 14.9x trailing P/E, while HDB leads on capital efficiency and profitability with 20.7% ROIC and — gross margin. CM currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with ING at 57/100 (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+	57/100	32.8x	—	9.9%	-2.42%	$93.57B	Benchmark Subject
IBN ICICI Bank Limited	C	62/100	32.8x	—	9.9%	+1.10%	$104.29B	/ibn-vs-ing →
CM Canadian Imperial Bank of Commerce	C	65/100	32.8x	—	9.9%	-1.98%	$107.89B	/cm-vs-ing →
HDB HDFC Bank Limited	C	65/100	14.9x	—	20.7%	+1.74%	$111.86B	/hdb-vs-ing →
LYG Lloyds Banking Group Plc	D	51/100	32.8x	—	9.9%	-4.76%	$77.81B	/lyg-vs-ing →

2. ING Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

ING Group N.V. (ING) operates in Commercial Banks (Financials) with an equity capitalization of $93.57B, 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.

3. ING Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ING stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ING compare to IBN and CM in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ING?

Where is ING trading relative to its 50-day, 200-day, and 52-week technical levels?

ING last traded at $31.46 (-2.42% on volume of 2,796,994 shares), positioning the stock -9.57% below its 50-day simple moving average ($34.79) and +0.48% above its 200-day simple moving average ($31.31). Across its 52-week range of $24.35 to $37.52, ING sits at the 54.0% percentile with a 14-day RSI of 40.2 (NEUTRAL RANGE) and an implied next-earnings move of ±3.1% ($30.48 to $32.44).

ING Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is ING's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for ING.

Direct Sub-Reports: ING RQD Cockpit ING 12M Forecast ING Earnings & Move ING Dividends & DRIP ING Insiders & 13F ING Whale Options ING Profit Sankey ING News & Why

ROARABLE RATING BRIEF • RQD 57/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

ING — ING Group N.V.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:08:16Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, ING scores 57 out of 100, a D+ grade under the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 12/20 (ROIC 9.9%; FCF yield 2.21%), Whale 13F Flow at 8/20 (institutional accumulation and options positioning), Insider Conviction at 12/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 10/20 (Beta 0.92; sector sensitivity), and Forensic Balance Sheet at 15/20 (Altman Z 2.5; Piotroski F 7/9; Debt/Equity 0.5). The weakest pillars are Whale 13F Flow and Macro Regime Fit, each at 40–50% of their maximum. For a prospective investor, the upside case rests mainly on the balance sheet score, which is the strongest pillar. The valuation tradeoff is visible in the market data: per the market data section, the P/E (TTM) is 32.8 against an FCF yield of 2.21%, meaning the stock is priced for growth that the cash-generation pillar does not yet demonstrate. Per the Roarable RQD rating, the verdict points to trimming rather than accumulating on current evidence.

Snapshot

Metric	Value
Price	32.24
Market Cap	$93.57B
P/E (TTM)	32.8
Forward P/E	30.5
EV/EBITDA	21
EPS (TTM)	0.98
Dividend Yield	0%
Beta	0.92
52-Wk Range	$24.35 - $37.52
ROIC %	9.9%

Business

ING Group N.V. is classified in the Financials sector and the Commercial Banks industry, per the profile section. It trades on the NYSE. Per the profile section, the company is a NYSE-listed issuer in Commercial Banks with a market capitalization of $93.6B. The source data does not describe its products, customers, or revenue model.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, supply chain is listed as NONE, with no butterfly links and no proprietary signals. Sector is Financials and industry is Commercial Banks. The source data does not identify upstream or downstream dependencies, sector correlations beyond the beta of 0.92, or second-order bottlenecks.

Open Questions

What are ING's reported revenue, operating income, net income, and free cash flow across recent periods, and what is the trend?
What is the company's business model and revenue mix, given that gross margin is listed as 0%?
Which institutional, insider, or congressional holders are active, and in what direction are they trading?
What analyst consensus, price targets, or recent news catalysts exist for the stock?
What drove the 1.98% decline in the most recent session, and is there any scheduled event that could shift the current outlook?

ING Live News Feed, Press Releases & Catalyst Wire

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

💬 Jump to ING Debate Forum (3) ↓

🔴 RISK WATCH Yahoo • 10h ago

Sterling today: Pound gains as dollar slips on Iran diplomacy bets

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.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 3d ago

Heineken N.V. successfully places €1.0 billion of Notes

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.

Read Full Source ↗

🟢 CATALYST Yahoo • 3d ago

1 safe-and-steady stock to research further and 2 we find risky

Stability is great, but low-volatility stocks may struggle to deliver market-beating returns over time as they sometimes underperform during bull markets.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 3d ago

Apollo Commercial Real Estate Finance shares are trading higher after the company announced it entered into a definitive agreement to sell the company's commercial real estate loan portfolio to Athene Holding.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 3d ago

ING posts €1.85bn profit and announces separate 400 job cuts

Alongside the restructuring, the bank also launched a €1.65bn share buyback.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 3d ago

Sterling today: Pound firms as dollar slips on midterm, AI jitters

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.

Read Full Source ↗

🟢 CATALYST Yahoo • 3d ago

Treasury Yields Extend October Rally as AI Pressure Intensifies

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.

Read Full Source ↗

🟢 CATALYST Yahoo • 3d ago

ING (ENXTAM:INGA) Stock May Still Offer Value On €1.9b Payout

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

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ING Bull vs. Bear Conversation Board — What's Your Call at $31.46?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ING 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $34.82 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is ING (D+ • RQD 57/100) a Buy at $32.24?

Welcome to the ING (ING Group N.V.) Roar Pit. Current RQD Composite is 57/100 (Roarable Sell — Weak Fundamentals / Trim) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $25.79 (-20.0%)

Spot @ $32.24

Pump the brakes on ING — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on ING, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless ING Group N.V. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $38.04 (+18.0%)

Spot @ $32.24

ING cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on ING, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $32.24 (52-wk range $24.35 - $37.52), any beat on forward guidance forces shorts and underweight funds to chase.