ING
ING Groep N.V. Financial Services - Banking Investor Relations →
ING Groep N.V. (ING) closed at $34.93 as of 2026-07-31, trading 102.2% above its 200-week moving average of $17.28. The stock moved further from the line this week, up from 91.6% last week. With a 14-week RSI of 79, ING is in overbought territory.
Trading volume is running at 1.0x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.94 ratio) is neutral — neither side is clearly dominating.
Over the past 1632 weeks of data, ING has crossed below its 200-week moving average 16 times. On average, these episodes lasted 36 weeks. Historically, investors who bought ING at the start of these episodes saw an average one-year return of +12.4%.
With a market cap of $99.8 billion, ING is a large-cap stock. Return on equity stands at 17.1%, a solid level. The stock trades at 1.7x book value.
The company has been aggressively buying back shares, reducing its share count by 19.8% over the past three years.
Over the past 31.3 years, a hypothetical investment of $100 in ING would have grown to $1035, compared to $2493 for the S&P 500. ING has returned 7.7% annualized vs 10.8% for the index, underperforming the broader market over this period.
Free cash flow has been declining. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: ING vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After ING Crosses Below the Line?
Across 16 historical episodes, buying ING when it crossed below its 200-week moving average produced an average return of +15.2% after 12 months (median +37.0%), compared to +1.4% for the S&P 500 over the same periods. 62% of those episodes were profitable after one year. After 24 months, the average return was +31.8% vs +21.6% for the index.
Each line shows $100 invested at the moment ING crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Dislocation Scores Experimental
Each score measures deviation from ING's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
ING has crossed below its 200-week MA 16 times with an average 1-year return of +12.4% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Sep 2001 | Dec 2003 | 121 | 56.8% | -21.2% | +231.3% |
| Mar 2004 | May 2004 | 11 | 8.2% | +44.2% | +256.0% |
| Jul 2004 | Jul 2004 | 1 | 0.0% | +43.3% | +260.4% |
| Jan 2008 | Feb 2008 | 4 | 9.4% | -76.1% | +118.3% |
| Mar 2008 | Mar 2008 | 2 | 4.0% | -89.4% | +114.4% |
| Jun 2008 | Jan 2013 | 238 | 89.9% | -68.2% | +99.1% |
| Feb 2013 | Jul 2013 | 22 | 26.1% | +52.2% | +602.3% |
| Jan 2016 | Feb 2016 | 5 | 6.0% | +34.1% | +440.3% |
| Mar 2016 | Apr 2016 | 2 | 3.9% | +34.7% | +426.2% |
| May 2016 | May 2016 | 1 | 0.3% | +50.9% | +416.7% |
| Jun 2016 | Aug 2016 | 9 | 15.2% | +58.9% | +423.0% |
| Aug 2018 | Aug 2018 | 1 | 1.2% | -24.0% | +302.7% |
| Sep 2018 | Mar 2021 | 130 | 60.8% | -16.9% | +318.4% |
| Feb 2022 | May 2022 | 11 | 12.3% | +62.4% | +391.7% |
| Jul 2022 | Jul 2022 | 3 | 10.2% | +49.7% | +363.5% |
| Aug 2022 | Oct 2022 | 9 | 10.6% | +63.7% | +376.2% |
| Average | 36 | — | +12.4% | — |
Frequently Asked Questions
Is ING below its 200-week moving average?
No. ING Groep N.V. (ING) is currently 102.2% above its 200-week moving average of $17.28. It would need to fall to $17.28 to cross below the line.
What is ING's 200-week moving average price?
ING Groep N.V.'s 200-week moving average is $17.28 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when ING drops below its 200-week moving average?
ING has crossed below its 200-week moving average 16 times in our data. On average, buying at that moment produced a one-year return of +12.4%. These dips have historically been decent entry points. These episodes lasted 36 weeks on average.
Is ING a good value right now?
Here's what our data says about ING as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 79 (overbought). Return on equity is 17.1%. Price-to-book is 1.7x. This is not a buy or sell recommendation — always do your own research.
How does ING compare to the S&P 500?
Over the past 31.3 years, $100 invested in ING would have grown to $1035, compared to $2493 for the S&P 500. That's 7.7% annualized vs 10.8% for the index. ING has underperformed the broader market over this period.
Does ING pay a dividend?
Yes. ING Groep N.V. currently pays a dividend yield of 362.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31