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.
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.
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).
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.
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 ($2.07B FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
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.
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 ($34.79) or 200D SMA ($31.31) invalidates the momentum regime and cuts Target Base ($31.32) toward Bear Floor ($24.43).
ING Group N.V. (ING) dropped -2.42% to $31.46, trading at 54% 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 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 → |
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.
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.
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).
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.
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).
Why ING Stock dropped -2.42% Today — RQD Quant Desk Flash. Stretched risk/reward at 33x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
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.
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.
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.
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
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.
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.
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.
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