ING Groep NV (ING) FY2025Q4 Earning Prediction
ING Groep NV (ING) is set to release its FY2025Q4 earnings performance on 02/05 05:00:00 in Pre-Market trading. Consensus forecasts predict a revenue of 7.00B and an earnings per share (EPS) of 0.50 for the FY2025Q4. With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!
AI Earnings Prediction
The earnings forecast predicts a 'Beat' due to strong growth in lending and fee income, stable capital ratios, and operational efficiency improvements.
Scenario Analysis
Key Indicators Forecast
No data
Prediction Logic & Rational
Fact Data Analysis
- Net Core Lending Growth: ING reported € 56.9B in lending growth for 2025, more than double the prior year, driven by residential mortgages and trade finance. This signals strong momentum likely to exceed consensus.
- Fee Income Growth: A 15% YoY increase in fee income to € 4.6B (2025) and guidance for 5-10% growth in 2026 suggest sustained demand for services.
- CET1 Ratio: Q4 CET1 ratio of 13.1% (above MDA threshold) and minimal impact from recent acquisitions indicate capital stability.
- ROE Outlook: Stable net income of € 6.3B (2025) and upgraded 2026/2027 guidance align with ROE targets.
- Operational Efficiency: Strategic cloud partnership with Broadcom could enhance cost management, supporting margin resilience.
Risks: Competitive threats (Jefferies) and EPS estimate cuts (-14%) reflect skepticism, but strong volume growth and fee income momentum outweigh these concerns.
Tactical Strategy Recommendations
Bullish Plays:
- Long Stock: Strong balance sheet and growth trajectory justify exposure.
- Call Options (ATM): Capitalize on upside potential with Feb 2026 expiry.
Hedging:
- Covered Calls: Sell OTM calls to monetize high IV (stock rose 18% post-earnings).
Risk: High expectations mean a "Beat" may trigger profit-taking; avoid over-leverage.
Earnings Surprise Analysis
ING Transcript
The earnings call highlights strong financial performance with increased fee income, a significant lending book, and growth in deposits. The company shows robust product development and market strategy, notably in digital and sustainable initiatives. While risk costs and competition are concerns, the positive guidance and shareholder returns, including a share buyback and dividend, suggest a favorable outlook. The Q&A session indicates management's proactive approach to emerging risks and opportunities, further supporting a positive sentiment.
The earnings call summary and Q&A session indicate positive sentiment. The company has raised fee growth and total income expectations, maintained cost management, and announced substantial shareholder returns. Despite not including international expansion in 2026 numbers, confidence in growth and AI capabilities is high. Strong appliance margins and expected software margin improvements further support positive sentiment. The lack of specific guidance on certain revenue contributions is a minor concern but doesn't overshadow the overall optimistic outlook.
The company showed strong financial performance with record high revenue and net profit, a robust increase in fee growth, and a solid capital generation plan. Shareholder returns are enhanced with additional distributions. While some uncertainties exist, like the unclear long-term liability margin and AI investments, the positive elements such as optimistic guidance, strong fee growth, and a solid shareholder return plan outweigh these concerns. The Q&A insights reflect confidence in continued growth, supporting a positive sentiment.
The earnings call summary highlights strong revenue growth across key segments, disciplined cash flow management, and a solid cash position. Q&A insights reveal confidence in continued demand, growth from acquisitions, and strategic investments, despite some avoidance of specific details. The positive sentiment is reinforced by the company's broad-based strength, execution, and alignment with policy goals. Overall, the company's performance and outlook suggest a positive stock price movement over the next two weeks.
ING Report
Frequently Asked Questions
What is the ING Groep NV FY2025Q4 Earnings Release Date and Time?
ING Groep NV (ING) is scheduled to release its FY2025Q4 earnings report onFeb 5, 2026, Pre-Market(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.
What Are the Consensus Forecasts for ING Groep NV FY2025Q4 Revenue and EPS?
Analysts' consensus predicts 7.00B in revenue and an EPS of 1.00 for ING Groep NV's FY2025Q4.
What Does Intellectia's AI Predict for ING Groep NV FY2025Q4 Earnings?
Intellectia's exclusive AI algorithms forecast a Beat forING Groep NV's FY2025Q4 earnings, with a prediction date of Feb 5, 2026. ING Groep NV The earnings forecast predicts a 'Beat' due to strong growth in lending and fee income, stable capital ratios, and operational efficiency improvements.
How Can I Use This Earnings Prediction to Trade ING Stock?
Leverage Intellectia's AI forecast to position trades ahead of theFeb 5, 2026 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.
How Accurate Is Intellectia's AI for Earnings Predictions Like ING Groep NV FY2025Q4?
Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.
How does AI Earnings Prediction generate its forecasts?
AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!
When are the predictions available, and how often are they updated?
Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.
Can I use AI Earnings Prediction for all types of stocks?
Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2025-2026 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!
