Equity Profile

ING

ING Groep N.V.

FinancialsDiversified Banks$99.8B

Jul30Thu

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

ING Groep N.V. is a major player in the financial sector, operating as a diversified bank....

Key Metrics to Watch

EPS

Earnings per share is a critical measure of profitability and will indicate how well the company is managing costs and generating income.

$0.72

Revenue

Revenue figures will help assess the overall business performance and growth trajectory, especially in a competitive banking environment.

$6.3B

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

ING Q2-2026 Earnings Preview

Context

Company Snapshot

ING Groep N.V. is a major player in the financial sector, operating as a diversified bank. With a market cap of $100 billion, it provides banking services to millions of customers worldwide, making it a key player in the global economy.

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 Q1-2026, ING reported an EPS of $0.63, surpassing expectations by 5.44%. The stock reacted positively, gaining 4.63% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect ING to report steady earnings growth with an EPS of $0.72 and revenue of $6.3 billion. The market is keenly watching for any surprises or guidance.

Bull Case

If ING exceeds expectations, it could signal strong operational efficiency and market demand, potentially boosting investor confidence and stock price.

Bear Case

Conversely, if the company fails to meet earnings expectations, it may raise concerns about its profitability and market position, leading to a negative stock reaction.

Key Metrics to Watch

EPS

$0.72

Earnings per share is a critical measure of profitability and will indicate how well the company is managing costs and generating income.

Revenue

$6.3B

Revenue figures will help assess the overall business performance and growth trajectory, especially in a competitive banking environment.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $0.72?

A beat on EPS could indicate stronger profitability and operational efficiency, which would be well-received by the market.

What guidance will management provide regarding revenue growth?

Any insights into future revenue trends will be crucial for assessing the company's growth prospects and market position.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate ING's ability to leverage cost efficiencies and adapt to changing market conditions, leading to stronger-than-expected earnings.

Supporting Evidence

Recent earnings surprises indicate a trend of outperforming expectations.

The options market suggests traders are anticipating higher volatility, which could indicate a significant move.

Historical performance shows that ING has a mixed reaction pattern, suggesting potential for upside.

Key Risk

If EPS comes in below $0.72, it could undermine the positive sentiment surrounding the stock.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating ING's ability to maintain profitability amid competitive pressures and economic conditions.

Bull Confirmed If

Earnings exceeding $0.72 per share would confirm a strong operational performance.

Bear Confirmed If

Earnings falling below $0.72 would raise concerns about profitability and growth.

Pre-Earnings Positioning

Options Market

Implied Move

±14.9%

Historical Avg

±4.0%

Pricing rich

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

Options are pricing ±14.9% while ING has averaged ±4.0% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.3%

30d HV

30.4%

Calls (64K)P/C Ratio: 0.11Puts (300)

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 a stock price increase of around 3.26%, confirming strong operational health.

In-Line / Cautious

An in-line report may lead to a muted reaction, as the market digests management's commentary on future growth.

Miss

If ING misses expectations, history indicates a minimal reaction, but it could lead to longer-term concerns about the company's trajectory.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any commentary on cost management strategies and their impact on profitability.
2Insights into loan growth and credit quality in the current economic environment.
3Updates on digital banking initiatives and customer acquisition.
4Management's outlook on macroeconomic factors affecting the banking sector.
5Any changes in regulatory impacts that could affect future earnings.

See the full picture

AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.

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Company Snapshot

ING Groep N.V. is a major player in the financial sector, operating as a diversified bank....

Key Metrics to Watch

EPS

Earnings per share is a critical measure of profitability and will indicate how well the company is managing costs and generating income.

$0.72

Revenue

Revenue figures will help assess the overall business performance and growth trajectory, especially in a competitive banking environment.

$6.3B

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

ING Q2-2026 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 Q1-2026, ING reported an EPS of $0.63, surpassing expectations by 5.44%. The stock reacted positively, gaining 4.63% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect ING to report steady earnings growth with an EPS of $0.72 and revenue of $6.3 billion. The market is keenly watching for any surprises or guidance.

Bull Case

If ING exceeds expectations, it could signal strong operational efficiency and market demand, potentially boosting investor confidence and stock price.

Bear Case

Conversely, if the company fails to meet earnings expectations, it may raise concerns about its profitability and market position, leading to a negative stock reaction.

Key Metrics to Watch

EPS

$0.72

Earnings per share is a critical measure of profitability and will indicate how well the company is managing costs and generating income.

Revenue

$6.3B

Revenue figures will help assess the overall business performance and growth trajectory, especially in a competitive banking environment.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $0.72?

A beat on EPS could indicate stronger profitability and operational efficiency, which would be well-received by the market.

What guidance will management provide regarding revenue growth?

Any insights into future revenue trends will be crucial for assessing the company's growth prospects and market position.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate ING's ability to leverage cost efficiencies and adapt to changing market conditions, leading to stronger-than-expected earnings.

Supporting Evidence

Recent earnings surprises indicate a trend of outperforming expectations.

The options market suggests traders are anticipating higher volatility, which could indicate a significant move.

Historical performance shows that ING has a mixed reaction pattern, suggesting potential for upside.

Key Risk

If EPS comes in below $0.72, it could undermine the positive sentiment surrounding the stock.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating ING's ability to maintain profitability amid competitive pressures and economic conditions.

Bull Confirmed If

Earnings exceeding $0.72 per share would confirm a strong operational performance.

Bear Confirmed If

Earnings falling below $0.72 would raise concerns about profitability and growth.

Pre-Earnings Positioning

Options Market

Implied Move

±14.9%

Historical Avg

±4.0%

Pricing rich

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

Options are pricing ±14.9% while ING has averaged ±4.0% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.3%

30d HV

30.4%

Calls (64K)P/C Ratio: 0.11Puts (300)

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 a stock price increase of around 3.26%, confirming strong operational health.

In-Line / Cautious

An in-line report may lead to a muted reaction, as the market digests management's commentary on future growth.

Miss

If ING misses expectations, history indicates a minimal reaction, but it could lead to longer-term concerns about the company's trajectory.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any commentary on cost management strategies and their impact on profitability.
2Insights into loan growth and credit quality in the current economic environment.
3Updates on digital banking initiatives and customer acquisition.
4Management's outlook on macroeconomic factors affecting the banking sector.
5Any changes in regulatory impacts that could affect future earnings.