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HSBC vs ING
Which Stock Would AI Choose? HSBC Holdings plc (HSBC) vs. ING Groep N.V. (ING) Stock Comparison
Key Takeaways
- HSBC has significantly outperformed ING year-to-date, with gains of 19.25% compared to 4.75%.
- Both stocks offer compelling dividend yields near 4%, appealing to income-focused investors.
- ING delivered robust Q1 2026 results, posting a net profit of €1.56 billion and announcing a €1 billion share buyback.
- HSBC trades near its 52-week high of $94.80, reflecting sustained momentum in recent market activity.
- HSBC's larger market capitalization of $315 billion provides greater scale versus ING's $82 billion.
- Analyst targets suggest modest upside for both, with HSBC at $95.75 and ING at $30.80.
Introduction
HSBC Holdings plc (HSBC) and ING Groep N.V. (ING) represent prominent players in the global banking sector, with HSBC emphasizing Asia-Pacific operations and ING focusing on European retail and wholesale banking. This stock comparison is particularly relevant for investors seeking diversified exposure to international financials, dividend income, and growth in net interest income (NII, revenue from lending minus deposit costs). Traders monitoring relative performance may find value in their contrasting momentum and regional strengths amid evolving interest rates and economic conditions. Recent quarterly results and market positioning highlight opportunities and trade-offs in the current environment.
HSBC Overview and Recent Performance
HSBC Holdings plc (HSBC), a London-headquartered multinational bank, operates across retail, commercial, and investment banking with significant exposure to Asia, Europe, and North America. In recent market activity, HSBC shares have advanced sharply, posting year-to-date gains of 19.25% and trading near the upper end of its 52-week range ($56.21-$94.80). This momentum stems from resilient earnings expectations ahead of Q1 2026 results, positive analyst upgrades on U.S. equities, and developments like a Hong Kong stablecoin license application. Lower beta (0.56, a measure of volatility relative to the market) underscores stability, while a P/E ratio of 15.32 and 4.08% dividend yield support investor sentiment amid global rate dynamics.
ING Overview and Recent Performance
ING Groep N.V. (ING), a Netherlands-based international bank, specializes in retail banking, wholesale services, and payments across Europe and beyond. Shares have shown steady progress in recent weeks, with year-to-date returns of 4.75% within a 52-week range of $20.07-$31.18. Key drivers include strong Q1 2026 results, featuring a net profit of €1.56 billion (up year-over-year), profit before tax of €2.26 billion, and growth in customer deposits and fee income. The announcement of a €1 billion share buyback, alongside a CET1 ratio (Common Equity Tier 1, a key measure of core capital strength) of 13.0%, bolsters confidence. A lower P/E of 11.11 and 4.43% yield highlight value amid NII expansion from higher margins.
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Head-to-Head Comparison
Both HSBC and ING thrive on NII growth and fee income, but differ in scale and geography: HSBC's vast Asia exposure drives diversification yet heightens geopolitical risks, while ING's European retail focus benefits from deposit growth but ties to regional rates. Recent momentum favors HSBC with superior YTD returns and proximity to highs, versus ING's post-earnings stability. Valuation trade-offs include HSBC's higher P/E reflecting growth premium, against ING's cheaper multiple and capital returns like buybacks. Risk profiles show HSBC's lower beta for steadiness, while ING's ROTCE (return on tangible common equity, a profitability gauge) hit 13.6% recently. Sector sentiment leans positive for banks amid rate resilience, but contrasts emerge in catalysts—HSBC's global outlook versus ING's customer momentum.
Tickeron AI Verdict
Tickeron’s AI analysis currently leans toward HSBC over ING, based on stronger trend consistency, elevated YTD relative performance, and positioning near peaks with resilient earnings catalysts. While ING exhibits solid stability via recent profitability and capital management, HSBC's broader momentum and lower volatility suggest higher probability of near-term outperformance in prevailing conditions.
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. Disclaimers and Limitations
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 HSBC is a StrongBuy and ING is a Buy.
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 undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HSBC’s FA Score shows that 3 FA rating(s) are green whileING’s FA Score has 3 green FA rating(s).
- HSBC’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.
HSBC’s TA Score shows that 6 TA indicator(s) are bullish while ING’s TA Score has 6 bullish TA indicator(s).
- HSBC’s TA Score: 6 bullish, 2 bearish.
- ING’s TA Score: 6 bullish, 3 bearish.
Price Growth
HSBC (@Major Banks) experienced а +3.86% price change this week, while ING (@Major Banks) price change was +5.82% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.98%. For the same industry, the average monthly price growth was +7.87%, and the average quarterly price growth was +16.30%.
Reported Earning Dates
HSBC is expected to report earnings on Aug 04, 2026.
ING is expected to report earnings on Jul 30, 2026.
Industries' Descriptions
@Major Banks (+0.98% 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.
| HSBC | ING | HSBC / ING | |
| Capitalization | 325B | 91.8B | 354% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 26.830 | 19.337 | 139% |
| P/E Ratio | 15.95 | 12.82 | 124% |
| Revenue | 67.6B | 23.1B | 293% |
| Total Cash | 243B | N/A | - |
| Total Debt | 102B | 183B | 56% |
HSBC | ING | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 17 | 40 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 44 Fair valued | 36 Fair valued | |
PROFIT vs RISK RATING 1..100 | 3 | 6 | |
SMR RATING 1..100 | 4 | 6 | |
PRICE GROWTH RATING 1..100 | 41 | 42 | |
P/E GROWTH RATING 1..100 | 21 | 24 | |
SEASONALITY SCORE 1..100 | 50 | 28 |
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.
ING's Valuation (36) in the Financial Conglomerates industry is in the same range as HSBC (44) in the Major Banks industry. This means that ING’s stock grew similarly to HSBC’s over the last 12 months.
HSBC's Profit vs Risk Rating (3) in the Major Banks industry is in the same range as ING (6) in the Financial Conglomerates industry. This means that HSBC’s stock grew similarly to ING’s over the last 12 months.
HSBC's SMR Rating (4) in the Major Banks industry is in the same range as ING (6) in the Financial Conglomerates industry. This means that HSBC’s stock grew similarly to ING’s over the last 12 months.
HSBC's Price Growth Rating (41) in the Major Banks industry is in the same range as ING (42) in the Financial Conglomerates industry. This means that HSBC’s stock grew similarly to ING’s over the last 12 months.
HSBC's P/E Growth Rating (21) in the Major Banks industry is in the same range as ING (24) in the Financial Conglomerates industry. This means that HSBC’s stock grew similarly to ING’s over the last 12 months.
| HSBC | ING | |
|---|---|---|
| RSI ODDS (%) | N/A | 1 day ago 45% |
| Stochastic ODDS (%) | 1 day ago 39% | 1 day ago 45% |
| Momentum ODDS (%) | 1 day ago 68% | 1 day ago 75% |
| MACD ODDS (%) | 1 day ago 80% | 1 day ago 77% |
| TrendWeek ODDS (%) | 1 day ago 66% | 1 day ago 69% |
| TrendMonth ODDS (%) | 1 day ago 64% | 1 day ago 68% |
| Advances ODDS (%) | 8 days ago 67% | 1 day ago 70% |
| Declines ODDS (%) | 14 days ago 52% | 16 days ago 55% |
| BollingerBands ODDS (%) | 1 day ago 73% | 1 day ago 74% |
| Aroon ODDS (%) | 1 day ago 67% | 1 day ago 60% |
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ING and
Correlation & Price change
A.I.dvisor indicates that over the last year, ING has been closely correlated with SAN. These tickers have moved in lockstep 74% of the time. This A.I.-generated data suggests there is a high statistical probability that if ING jumps, then SAN could also see price increases.
| Ticker / NAME | Correlation To ING | 1D Price Change % | ||
|---|---|---|---|---|
| ING | 100% | +2.68% | ||
| SAN - ING | 74% Closely correlated | +1.56% | ||
| BCS - ING | 70% Closely correlated | +3.72% | ||
| HSBC - ING | 69% Closely correlated | +1.62% | ||
| BBVA - ING | 67% Closely correlated | +1.51% | ||
| UBS - ING | 60% Loosely correlated | +0.67% | ||
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