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BBVA vs ING
Which Stock Would AI Choose? Banco Bilbao Vizcaya Argentaria (BBVA) vs. ING Groep (ING) Stock Comparison
Key Takeaways
- BBVA is delivering faster loan growth and materially higher profitability, with a return on tangible equity (ROTE) of roughly 22% versus ING's mid-teens level.
- BBVA leans heavily on higher-growth emerging markets (Mexico, Turkey, and South America), while ING is anchored in the more mature Benelux and German banking markets.
- Both banks are actively returning capital, with BBVA announcing a new €2 billion buyback and ING executing a €1 billion program while targeting a roughly 13% Common Equity Tier 1 (CET1) capital ratio.
- ING offers a more defensive, fee- and deposit-driven profile, whereas BBVA carries greater earnings upside alongside higher currency, inflation, and credit-cost sensitivity.
- Relative performance has favored BBVA over the past year, reflecting its faster growth and stronger capital-return momentum.
- For more context on each name, explore BBVA Major News and BBVA Today's Price Move, as well as ING Major News and ING Today's Price Move.
- To see how automated strategies are positioning across the market, explore Trending AI Robots.
Introduction
European banks have drawn renewed investor attention as strong profitability and aggressive buybacks meet a more uncertain interest-rate and geopolitical backdrop. Within that landscape, Banco Bilbao Vizcaya Argentaria (BBVA) and ING Groep (ING) represent two distinct plays on the same sector. BBVA is a growth-oriented lender with a large emerging-market footprint, while ING is a more diversified, digitally focused European franchise. This stock comparison is most relevant for investors weighing higher-growth, higher-volatility exposure against a steadier, deposit-heavy business model, and for traders assessing relative performance and market positioning across two of Europe's most closely watched banking names.
BBVA Overview and Recent Performance
Banco Bilbao Vizcaya Argentaria, Spain's second-largest bank, operates across Spain, Mexico, Turkey, and South America. Recent market activity has reflected a run of strong earnings. In recent quarters, BBVA posted record net profit, driven by roughly 17% year-over-year loan growth and double-digit gains in net interest income (the difference between interest earned on loans and paid on deposits). First-half ROTE of about 22% places the bank among the most profitable large lenders in Europe, and its CET1 ratio of roughly 12.9% remains comfortably above its target range. Management has paired this performance with stepped-up shareholder returns, launching a new €2 billion share buyback after completing a €4 billion program. Sentiment has been supported by market-share gains in Spain and Mexico, though the stock remains sensitive to emerging-market currencies, inflation, and credit costs.
ING Overview and Recent Performance
ING Groep is a Dutch financial services group and the leading banking franchise in the Benelux region, with meaningful operations in Germany and a wholesale banking arm. Recent quarters have shown steady rather than spectacular momentum: net income rose to about €1.56 billion in its latest reported quarter, supported by higher net interest income, double-digit fee growth, and disciplined expense control. ING's business is weighted toward retail banking, and management has leaned on digital and AI-driven efficiency, with a high share of customer interactions handled without human support. Capital returns are robust, including a €1 billion buyback designed to keep its CET1 ratio near 13%. Analysts have generally maintained a constructive view, with most ratings at Buy and target prices modestly above recent levels, though competition for deposits and limited visibility on future net interest income remain recurring investor concerns.
Trending AI Robots
Tickeron maintains a large library of AI Trading Bots that trade thousands of different tickers, each built around distinct strategies, timeframes, and risk parameters. Because market conditions shift continuously, only a subset of these bots is well-suited to the current environment at any given time. The Trending AI Robots section curates the bots that are performing best and aligning most closely with today's market dynamics, highlighting their trading styles, performance statistics, and the sets of tickers they cover. This allows traders to review quantitative, data-driven signals rather than relying on discretion alone. If you are weighing names such as BBVA and ING, exploring Trending AI Robots can offer an additional, systematic perspective on where automated strategies currently see opportunity.
Head-to-Head Comparison
The two banks differ most sharply in geographic exposure and earnings profile. BBVA derives a large share of profit from emerging markets, giving it faster loan growth and higher returns, but also greater sensitivity to currency swings, inflation, and elevated cost of risk in markets such as Turkey and Mexico. ING, by contrast, is concentrated in mature European economies with a deposit-rich, fee-generating retail franchise, offering more predictable revenue but slower top-line expansion.
On capital, both lenders are comfortably positioned, though BBVA's growth consumes more capital even as it generates more. ING's roughly 13% CET1 ratio sits near the top of European peers and underpins its buyback program. On valuation, both trade at broadly similar price-to-earnings multiples, yet BBVA's superior ROTE and dividend yield have historically supported a stronger relative performance. The key trade-off for investors is momentum and growth versus stability and defensiveness, with sentiment toward each name closely tied to the interest-rate outlook and regional economic conditions.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely give a current edge to BBVA. The bank has demonstrated stronger and more consistent earnings momentum, higher profitability, accelerating loan growth, and clearer near-term catalysts in the form of successive buyback announcements and upgraded guidance. ING's steadier profile is attractive, but its slower growth and deposit-competition headwinds suggest comparatively less near-term upside. This assessment is probabilistic rather than definitive: emerging-market volatility or a shift in credit costs could narrow the gap. The AI verdict reflects relative positioning and trend strength, not a forecast or a recommendation.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BBVA is a Hold and ING is a Hold.
BBVA in downward trend: 10-day moving average crossed below 50-day moving average on October 01, 2026
The 10-day moving average for BBVA crossed bearishly below the 50-day moving average on October 01, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 10 of 18 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 56%.
Technical Analysis (Indicators)
Bearish Trend Analysis
BBVA moved below its 50-day moving average on September 30, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where BBVA declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 50%.
The Aroon Indicator for BBVA entered a downward trend on October 27, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where BBVA's RSI Oscillator exited the oversold zone, 13 of 13 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 90%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 41 of 56 cases where BBVA's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 73%.
Following a +2.14% 3-day Advance, the price is estimated to grow further. Considering data from situations where BBVA advanced for three days, in 252 of 346 cases, the price rose further within the following month. The odds of a continued upward trend are 73%.
BBVA may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 3 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 5 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 21, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 12 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 48 (best 1 - 100 worst), indicating steady price growth. BBVA’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 77 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: BBVA's P/B Ratio (2.363) is slightly higher than the industry average of (1.515). P/E Ratio (13.354) is within average values for comparable stocks, (11.735). Projected Growth (PEG Ratio) (2.229) is also within normal values, averaging (2.139). BBVA has a moderately high Dividend Yield (0.060) as compared to the industry average of (0.035). P/S Ratio (3.249) is also within normal values, averaging (3.867).
ING sees its Stochastic Oscillator ascends from oversold territory
On October 27, 2026, the Stochastic Oscillator for ING moved out of oversold territory and this could be a bullish sign for the stock. Traders may want to buy the stock or buy call options. Tickeron's A.I.dvisor looked at 52 instances where the indicator left the oversold zone. In 42 of the 52 cases the stock moved higher in the following days. This puts the odds of a move higher at over 81%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where ING's RSI Indicator exited the oversold zone, 17 of 23 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 74%.
Following a +2.29% 3-day Advance, the price is estimated to grow further. Considering data from situations where ING advanced for three days, in 253 of 365 cases, the price rose further within the following month. The odds of a continued upward trend are 69%.
ING may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
ING moved below its 50-day moving average on October 01, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for ING crossed bearishly below the 50-day moving average on October 06, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 7 of 13 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 54%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ING declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 52%.
The Aroon Indicator for ING entered a downward trend on October 27, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 5 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 21, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 14 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 49 (best 1 - 100 worst), indicating steady price growth. ING’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 79 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.846) is normal, around the industry mean (1.515). P/E Ratio (14.100) is within average values for comparable stocks, (11.735). Projected Growth (PEG Ratio) (2.140) is also within normal values, averaging (2.139). Dividend Yield (0.051) settles around the average of (0.035) among similar stocks. P/S Ratio (3.874) is also within normal values, averaging (3.867).
BBVA | ING | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 64 | 8 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 77 Overvalued | 79 Overvalued | |
PROFIT vs RISK RATING 1..100 | 5 | 5 | |
SMR RATING 1..100 | 3 | 4 | |
PRICE GROWTH RATING 1..100 | 48 | 49 | |
P/E GROWTH RATING 1..100 | 12 | 14 | |
SEASONALITY SCORE 1..100 | n/a | 75 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BBVA's Valuation (77) in the Major Banks industry is in the same range as ING (79) in the Financial Conglomerates industry. This means that BBVA’s stock grew similarly to ING’s over the last 12 months.
BBVA's Profit vs Risk Rating (5) in the Major Banks industry is in the same range as ING (5) in the Financial Conglomerates industry. This means that BBVA’s stock grew similarly to ING’s over the last 12 months.
BBVA's SMR Rating (3) in the Major Banks industry is in the same range as ING (4) in the Financial Conglomerates industry. This means that BBVA’s stock grew similarly to ING’s over the last 12 months.
BBVA's Price Growth Rating (48) in the Major Banks industry is in the same range as ING (49) in the Financial Conglomerates industry. This means that BBVA’s stock grew similarly to ING’s over the last 12 months.
BBVA's P/E Growth Rating (12) in the Major Banks industry is in the same range as ING (14) in the Financial Conglomerates industry. This means that BBVA’s stock grew similarly to ING’s over the last 12 months.
| BBVA | ING | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 90% | 2 days ago 74% |
| Stochastic ODDS (%) | 2 days ago 73% | 2 days ago 81% |
| Momentum ODDS (%) | N/A | N/A |
| MACD ODDS (%) | N/A | N/A |
| TrendWeek ODDS (%) | 2 days ago 49% | 2 days ago 52% |
| TrendMonth ODDS (%) | 2 days ago 52% | 2 days ago 51% |
| Advances ODDS (%) | 8 days ago 73% | 2 days ago 69% |
| Declines ODDS (%) | 6 days ago 50% | 6 days ago 52% |
| BollingerBands ODDS (%) | 2 days ago 88% | 2 days ago 59% |
| Aroon ODDS (%) | 2 days ago 51% | 2 days ago 47% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BBVA’s FA Score shows that 3 FA rating(s) are green while ING’s FA Score has 3 green FA rating(s).
- BBVA’s FA Score: 3 green, 2 red.
- ING’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BBVA’s TA Score shows that 4 TA indicator(s) are bullish while ING’s TA Score has 4 bullish TA indicator(s).
- BBVA’s TA Score: 4 bullish, 4 bearish.
- ING’s TA Score: 4 bullish, 4 bearish.
Price Growth
BBVA (@Major Banks) experienced а -0.98% price change this week, while ING (@Major Banks) price change was -1.18% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was -1.00%. For the same industry, the average monthly price growth was -3.77%, and the average quarterly price growth was +8.80%.
Reported Earning Dates
BBVA is expected to report earnings on Oct 28, 2026.
ING is expected to report earnings on Oct 29, 2026.
Industries' Descriptions
@Major Banks (-1.00% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
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BBVA and
Correlation & Price change
A.I.dvisor indicates that over the last year, BBVA has been closely correlated with SAN. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if BBVA jumps, then SAN could also see price increases.
| Ticker / NAME | Correlation To BBVA | 1D Price Change % | ||
|---|---|---|---|---|
| BBVA | 100% | -0.39% | ||
| SAN - BBVA | 82% Closely correlated | +0.81% | ||
| ING - BBVA | 77% Closely correlated | +0.74% | ||
| BCS - BBVA | 76% Closely correlated | +0.85% | ||
| HSBC - BBVA | 73% Closely correlated | -5.70% | ||
| UBS - BBVA | 61% Loosely correlated | +0.71% | ||
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ING and
Correlation & Price change
A.I.dvisor indicates that over the last year, ING has been closely correlated with BCS. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if ING jumps, then BCS could also see price increases.
| Ticker / NAME | Correlation To ING | 1D Price Change % | ||
|---|---|---|---|---|
| ING | 100% | +0.74% | ||
| BCS - ING | 79% Closely correlated | +0.85% | ||
| SAN - ING | 77% Closely correlated | +0.81% | ||
| BBVA - ING | 77% Closely correlated | -0.39% | ||
| HSBC - ING | 75% Closely correlated | -5.70% | ||
| UBS - ING | 67% Closely correlated | +0.71% | ||
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