Equity Profile

ING

ING Groep N.V.

FinancialsDiversified Banks$88.7B

Apr30Thu

Post-Earnings Recap

ReportedQ1-2026Pre-Market12:59 AM EDT

ING Groep N.V. Beats on EPS, Stock Up 4.63%

Metric	Actual	Expected	Surprise
EPS	$0.63	$0.60	+5.44%
Revenue	N/A	$5.9B	N/A

management commentary, guidance changes, and full analysis available with Pro.

ING Groep N.V. Beats on EPS, Stock Up 4.63%

Key Numbers

Metric	Actual	Expected	Surprise
EPS	$0.63	$0.60	+5.44%
Revenue	N/A	$5.9B	N/A

Management Commentary

Tone: Unknown

No transcript is on record, and the analysis is based on numerical results only.

What It Means

ING Groep N.V. reported better-than-expected earnings per share, which contributed to a positive stock reaction, rising 4.63%. The company did not provide revenue figures or additional guidance, leaving some uncertainty for investors. The EPS beat suggests that the company is managing its costs effectively, which could bode well for future performance.

Company Snapshot

ING Groep N.V. is a major financial institution that provides banking services across various sectors....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

$0.60

Revenue

Revenue figures will provide insight into the company's overall sales performance and market demand for its banking services.

$5.9B

Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

ING Groep N.V. is a major financial institution that provides banking services across various sectors. As a diversified bank, it plays a significant role in the financial markets, impacting consumer spending and lending trends.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

38%

Avg EPS Surprise

+1.03%

Avg Stock Reaction

+2.24%

Last Quarter Recap

In the last quarter, ING reported an EPS of $0.70, exceeding expectations by 8.78%. The stock reacted positively, gaining 5.38% the following day.

Management Promises & Guidance

Focus on improving digital banking services.
Commitment to cost management and efficiency.
Plans to expand lending to small and medium-sized enterprises.

Expectations

Wall Street Expectations

Analysts expect ING to report steady earnings this quarter, with a consensus EPS of $0.60. Investors are keen to see if the bank can maintain its growth trajectory amidst economic uncertainties.

Bull Case

If ING beats EPS expectations and shows strong revenue growth, it could signal robust demand for its services and effective cost management.

Bear Case

Conversely, if the bank misses on EPS or revenue, it may raise concerns about its ability to navigate a challenging economic environment.

Key Metrics to Watch

EPS

$0.60

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

$5.9B

Revenue figures will provide insight into the company's overall sales performance and market demand for its banking services.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $0.60?

A beat on EPS could indicate strong operational performance and investor confidence.

What are the revenue expectations for this quarter compared to the consensus of $5.9B?

Revenue performance will be critical to assess the bank's growth and market demand.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate the bank's ability to leverage its digital banking initiatives, which could drive higher-than-expected revenue growth.

Supporting Evidence

Recent trends in digital banking adoption suggest increased customer engagement.

The bank's focus on cost management may yield better margins than anticipated.

Historical performance shows that ING has a tendency to outperform in favorable economic conditions.

Key Risk

If revenue growth exceeds $6.1B, it could significantly alter the market's perception of ING's growth potential.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on the bank's ability to deliver solid earnings amidst economic challenges.

Bull Confirmed If

An EPS of $0.65 or higher would confirm strong profitability and operational efficiency.

Bear Confirmed If

An EPS below $0.55 would raise concerns about the bank's ability to manage costs and generate income.

Pre-Earnings Positioning

Options Market

Implied Move

±4.55%

Historical Avg

±4.0%

In line with history

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings report.

Options are pricing ±4.5% while ING has averaged ±4.0% over the last 8 prints — setup is roughly in line with history.

Detail

30d HV

32.3%

Calls (13K)P/C Ratio: 7.34Puts (73K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 5 of 6 (83%)

This setup has occurred 30 times across Financials in the last 2 years. 5 of 6 (83%) reversed within 5 days — this setup typically fades. The average absolute 1-day move is 1.2%, with a raw directional average of +0.1% (modestly positive historical bias).

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Top holders trimming

Institutional

5.85%

of float

Insider

0.00%

of float

Holders

610

institutions

Top Holders· as of Dec 2025

Fisher Asset Management, LLC
53,221,109 sh · $1.5B
1.82%
-6.9%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If ING beats expectations, history suggests the stock could rise by about 1.51% the next day, confirming positive market sentiment.

In-Line / Cautious

If results are in line with expectations, the stock may experience a muted reaction as investors await further commentary.

Miss

A miss could lead to a slight decline, with historical data showing an average move of only +0.02% when expectations are not met.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Updates on digital banking growth and customer acquisition rates.
2Any changes to cost management strategies and their expected impact.
3Insights into lending trends, particularly for small and medium-sized enterprises.
4Management's outlook on economic conditions and potential challenges.
5Details on any new initiatives or products being launched.

See the full picture

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Company Snapshot

ING Groep N.V. is a major financial institution that provides banking services across various sectors....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

$0.60

Revenue

Revenue figures will provide insight into the company's overall sales performance and market demand for its banking services.

$5.9B

Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

38%

Avg EPS Surprise

+1.03%

Avg Stock Reaction

+2.24%

Last Quarter Recap

In the last quarter, ING reported an EPS of $0.70, exceeding expectations by 8.78%. The stock reacted positively, gaining 5.38% the following day.

Management Promises & Guidance

Focus on improving digital banking services.
Commitment to cost management and efficiency.
Plans to expand lending to small and medium-sized enterprises.

Expectations

Wall Street Expectations

Analysts expect ING to report steady earnings this quarter, with a consensus EPS of $0.60. Investors are keen to see if the bank can maintain its growth trajectory amidst economic uncertainties.

Bull Case

If ING beats EPS expectations and shows strong revenue growth, it could signal robust demand for its services and effective cost management.

Bear Case

Conversely, if the bank misses on EPS or revenue, it may raise concerns about its ability to navigate a challenging economic environment.

Key Metrics to Watch

EPS

$0.60

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

$5.9B

Revenue figures will provide insight into the company's overall sales performance and market demand for its banking services.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $0.60?

A beat on EPS could indicate strong operational performance and investor confidence.

What are the revenue expectations for this quarter compared to the consensus of $5.9B?

Revenue performance will be critical to assess the bank's growth and market demand.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate the bank's ability to leverage its digital banking initiatives, which could drive higher-than-expected revenue growth.

Supporting Evidence

Recent trends in digital banking adoption suggest increased customer engagement.

The bank's focus on cost management may yield better margins than anticipated.

Historical performance shows that ING has a tendency to outperform in favorable economic conditions.

Key Risk

If revenue growth exceeds $6.1B, it could significantly alter the market's perception of ING's growth potential.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on the bank's ability to deliver solid earnings amidst economic challenges.

Bull Confirmed If

An EPS of $0.65 or higher would confirm strong profitability and operational efficiency.

Bear Confirmed If

An EPS below $0.55 would raise concerns about the bank's ability to manage costs and generate income.

Pre-Earnings Positioning

Options Market

Implied Move

±4.55%

Historical Avg

±4.0%

In line with history

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings report.

Options are pricing ±4.5% while ING has averaged ±4.0% over the last 8 prints — setup is roughly in line with history.

Detail

30d HV

32.3%

Calls (13K)P/C Ratio: 7.34Puts (73K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 5 of 6 (83%)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Top holders trimming

Institutional

5.85%

of float

Insider

0.00%

of float

Holders

610

institutions

Top Holders· as of Dec 2025

Fisher Asset Management, LLC
53,221,109 sh · $1.5B
1.82%
-6.9%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If ING beats expectations, history suggests the stock could rise by about 1.51% the next day, confirming positive market sentiment.

In-Line / Cautious

If results are in line with expectations, the stock may experience a muted reaction as investors await further commentary.

Miss

A miss could lead to a slight decline, with historical data showing an average move of only +0.02% when expectations are not met.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Updates on digital banking growth and customer acquisition rates.
2Any changes to cost management strategies and their expected impact.
3Insights into lending trends, particularly for small and medium-sized enterprises.
4Management's outlook on economic conditions and potential challenges.
5Details on any new initiatives or products being launched.