ING Groep N.V. (ING) Stock Price & Analysis
ING Groep N.V. (ING) — MoonshotScore 52/100 (Fair band), calculated Oct 5, 2026. Price $34.77 (-0.03%), as of the Oct 6, 2026 trading session; market cap $99.0B.
Educational signal · not a buy or sell recommendation · How to read this
ING Groep N.V. · ING · NYSE · Financial Services · Banks - Diversified
ING Groep N.V. functions as a prominent global financial services institution, offering a comprehensive suite of banking products and solutions across a vast international footprint.
Price as of Oct 6, 2026
Key Statistics
MoonshotScore v2 · ING Groep (ING)
FairWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality, at a cheap price, but a strained balance sheet and weak growth; the market is already moving on it. Business Quality: Solid; Financial Safety: Strained; Valuation: Cheap; Growth Durability: Fading; Momentum: Surging.
- quarterly revenue $25.90B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 6 of 8
- Altman Z -0.59 · Piotroski F 5
Holding back: balance-sheet strain, soft growth
Helping: business quality, an attractive price, positive momentum
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 56 | Fair | |
| 55 | Fair | |
| 55 | Fair | |
| 56 | Fair | |
| 56 | Fair | |
| 52 | Fair |
The score moved from 53 in the stored Oct 4, 2026 snapshot to 52 in the current publication computed Oct 5, 2026 (-1); the largest pillar moves were Growth Durability -15 and Valuation +1.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $34.77 | |
| Change on the day | -0.03% | |
| 52-week range | $23.64–$37.52 | |
| Market capitalisation | $99.0B | |
| Price / earnings (trailing) | 13.29 | |
| Beta (volatility vs the S&P 500) | 0.89 |
Price & events
Point at or tab to any week for its close.
Council Score · weighted blend of 2 available disciplines
Council score for ING Groep (ING): Split View
50/100 · BCouncil is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
4 lenses, 4 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 6, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 6, 2026, except a card that shows its own read date.
Watch the ING film — every key number, told as a short cinematic story
~2 min · open the film
What is ING Groep (ING), and what does it report?
Short answer · as of
ING accepts checking and savings deposits, then deploys funding into mortgages, personal credit and business lending.
Research dated 2026-09-12.
ING accepts checking and savings deposits, then deploys funding into mortgages, personal credit and business lending. Wholesale clients also buy working-capital, trade-finance, cash-management, treasury, advisory and capital-markets services. Revenue therefore reflects interest spreads and service fees across a large financial balance sheet, not unit sales in the industrial sense.
What do the latest results show for ING Groep (ING)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $25.90B. Against analyst estimates the company has EPS beat 6 of 8 reports.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $25.90B | $2.19B | $0.76 (diluted) |
| Q1 FY2026 | $6.54B | $1.75B | $0.60 (diluted) |
| Q4 FY2025 | $6.51B | $1.58B | $0.54 (diluted) |
| Q3 FY2025 | $6.57B | $2.01B | $0.68 (diluted) |
What are the financial strengths and risks for ING Groep (ING)?
Short answer · as of
The MoonshotScore pillars rate business quality, an attractive price, positive momentum as strengths. What is holding it back is balance-sheet strain, soft growth.
How does ING Groep compare with its peers?
Short answer
ING Groep's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
ING is not merely a domestic lender with an overseas corporate desk. It operates retail franchises across the Netherlands, Belgium, Germany and other markets while Wholesale Banking serves companies and financial institutions across a much wider international footprint.
| Company | Price | Market value | Score |
|---|---|---|---|
| $26.94 Oct 5, 2026 | $149B | 96 5-pillar Oct 5, 2026 | |
| $23.59 Oct 5, 2026 | $79.5B | 87 5-pillar Oct 5, 2026 | |
| $90.28 Oct 5, 2026 | $110B | 81 5-pillar Oct 5, 2026 | |
| $13.90 Oct 5, 2026 | $204B | 81 5-pillar Oct 5, 2026 | |
| $117.10 Oct 5, 2026 | $199B | 79 5-pillar Oct 5, 2026 | |
| $164.45 Oct 5, 2026 | $116B | 74 5-pillar Oct 5, 2026 | |
| $194.67 Oct 5, 2026 | $271B | 74 5-pillar Oct 5, 2026 | |
| $110.32 Oct 5, 2026 | $102B | 68 5-pillar Oct 5, 2026 | |
| $81.44 Oct 5, 2026 | $246B | 62 5-pillar Oct 5, 2026 | |
| $22.97 Oct 5, 2026 | $259B | 61 5-pillar Oct 5, 2026 | |
| $25.63 Oct 5, 2026 | $99.3B | 55 5-pillar Oct 5, 2026 | |
| $17.50 Oct 5, 2026 | $34.9B | 53 5-pillar Oct 5, 2026 | |
| ING Groep (ING) — this page | $34.77 | $99.0B | 52 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
What has been published about ING Groep (ING)?
ING Financial Services Stock FAQ
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last question is answered from this page's own dated data, not from the research.
How does ING make money from retail deposits and mortgages?
Deposits provide funding that ING deploys into mortgages and other loans, making the difference between asset income and funding cost central to earnings. Payments, investments, insurance and related services add fee income around the same customer relationships.
How do ING’s retail franchises and Wholesale Banking fit together?
Retail gathers deposits and provides mortgages, consumer credit and daily banking across several European markets. Wholesale Banking extends the franchise into corporate lending, trade finance, cash management, treasury services, advisory and capital-markets activity.
What is the ING stock price today?
The last price recorded on this page for ING Groep N.V. (ING) is $34.77, as of the Oct 6, 2026 trading session (source: Financial Modeling Prep (FMP) quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (17 figures)
The 17 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | PO BOX 1800, Amsterdam, P7, 1000 BV | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "Bijlmerdreef 106, Amsterdam, NH, 1102 CT, NL". |
FMP — 12 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $34.77 | FMP | Financial Modeling Prep (FMP) quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. | |
px.change | Change on the day | -0.03% | FMP | Financial Modeling Prep (FMP) quote | |
px.mcap | Market capitalization | $99.0B | FMP | Financial Modeling Prep (FMP) quote — Provider market cap uses the share class it prices; a company with more than one class may show a larger total elsewhere. Market cap record date: 2026-10-06. Source capture time was not supplied. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
id.business_summary | Business description (FMP excerpt) | ING Groep N.V. functions as a prominent global financial services institution, offering a comprehensive suite of banking products and solutions across a vast international footprint. | FMP | Financial Modeling Prep (FMP) company profile — Deterministic excerpt derived from id.description; source and date describe the input fact, not a new provider observation | |
px.change_abs | Change on the day, in dollars | −$0.01 | FMP | Financial Modeling Prep (FMP) quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $25.90B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $23.64–$37.52 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 13.29 | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.89 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Steven J. A. van Rijswijk | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 62,770 | FMP | Financial Modeling Prep (FMP) company profile | |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 6 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-03 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z -0.59 · Piotroski F 5 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-05 |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 52 of 100 · Fair · pillars 79 / 27 / 83 / 32 / 95 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 53 (stored snapshot Oct 4, 2026) → 52 (current publication computed Oct 5, 2026) (-1) | OURS | Stock Expert AI current score publication and immutable score snapshots |
- Published
- Research standards
- Methodology · Editorial policy · Corrections
- Report a number
- sedat@stockexpertai.com
Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Sector / industry (provider taxonomy) | Financial Services / Banks - Diversified The company's SEC filings classify it under SIC 6029 — Commercial Banks, NEC. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Business description | ING Groep N.V. functions as a prominent global financial services institution, offering a comprehensive suite of banking products and solutions across a vast international footprint. Its operations extend throughout the Netherlands, Belgium, Germany, Poland, other European countries, North America, Latin America, Asia, and Australia. The company organizes its business into six distinct segments: Retail Banking focused on the Netherlands, Belgium, Germany, and other regions, in addition to its Wholesale Banking and Corporate Line Banking divisions. ING facilitates various client deposits, including checking and savings accounts, and extends credit options to both businesses and individual consumers. These lending products encompass residential mortgage loans, term loans, revolving credit facilities, and personal loans. Furthermore, its extensive offerings include debt and equity capital market services, working capital solutions, export finance, and daily banking conveniences. The firm also provides expertise in treasury and risk management, corporate finance advisory, specialized lending, and general financing. Customers can also utilize payment and cash management systems, international trade services, and a full array of digital banking experiences, alongside its savings, investment, insurance, and mortgage product lines. ING serves a diverse clientele, including individual customers, a broad spectrum of corporate entities—from small and medium-sized enterprises to mid-market corporations—and other financial institutions. The organization, founded in 1762, is headquartered in Amsterdam, the Netherlands. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Trailing twelve-month ratio set | Quick ratio: 0.07; Current ratio: 0.07; Debt to equity: 4.31; Net margin: 28.2%; Gross margin: 94.5%; Operating margin: 41.4%; Return on assets: 0.6%; Return on equity: 13.4% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Headquarters | PO BOX 1800, AMSTERDAM, P7, 1000 BV Our market-data provider lists "Bijlmerdreef 106, Amsterdam, NH, 1102 CT, NL"; the address on file with the SEC is used here. | 2026-09-12 | OFFICIAL | SEC EDGAR filer business address |
| Management outlook — dated call excerpts | Captured record · 4 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-30 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
Data provided for informational purposes only.