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ING vs RY
Which Stock Would AI Choose? ING Groep (ING) vs. Royal Bank of Canada (RY) Stock Comparison
Key Takeaways
- ING is a European banking group with a digital-first retail franchise and a large wholesale banking arm, while RY is Canada's largest bank, diversified across personal, commercial, wealth, and capital-markets businesses.
- Both banks delivered strong recent earnings, but RY stands out for record results driven by wealth management and capital markets, whereas ING leans more heavily on net interest income (interest earned on loans minus interest paid on deposits).
- Valuation differs sharply: ING trades at a lower price-to-earnings multiple with a higher dividend yield, while RY commands a premium multiple reflecting its diversification and scale.
- Risk profiles diverge by geography — ING is sensitive to European interest rates and eurozone growth, while RY faces Canadian housing, tariff, and credit-provision risks.
- For more detail on each name, visit the ING Major News and ING Today's Price Move pages, or the RY Major News and RY Today's Price Move pages.
- To see how automated strategies are positioning across the market, explore Trending AI Robots.
Introduction
ING and RY are two of the most closely followed bank stocks in their respective regions, yet they operate under very different business models. ING is a Netherlands-based lender that built its name on low-cost retail deposits and a digital-first banking model, while RY is a diversified Canadian financial giant with significant wealth-management and capital-markets franchises. This stock comparison is relevant for investors weighing a European interest-rate-sensitive bank against a North American diversified financial institution, and for traders tracking relative performance and market positioning across banking sectors.
ING Overview and Recent Performance
ING (ING Groep N.V.) is a global financial institution headquartered in Amsterdam, with market-leading retail banking operations in the Netherlands and Belgium, digital banks across Europe and Australia, and a wholesale banking division focused on lending, payments, and trade finance. In recent weeks, the company's performance has been supported by continued customer growth, rising fee income, and disciplined cost control. ING reported higher net income in its first quarter of 2026 and again in the second quarter, when net income rose roughly 16% year over year to about €1.95 billion, aided by a 17% rise in net interest income and a 14% increase in fee income.
Capital returns have reinforced sentiment. ING announced a €1 billion share buyback and has maintained a common equity tier 1 (CET1) capital ratio near its roughly 13% target, a key measure of a bank's financial strength. Management has cited persistent geopolitical and macroeconomic uncertainty, including energy-security risks in the Middle East, as a backdrop. Sentiment remains constructive, but the stock's trajectory continues to hinge on European interest-rate policy and eurozone economic momentum.
RY Overview and Recent Performance
RY (Royal Bank of Canada) is Canada's largest bank by market capitalization and a diversified financial services company spanning personal and commercial banking, wealth management, capital markets, and insurance. In recent quarters, the company has posted record results, with its fiscal third quarter (reported in late August 2026) delivering net income of $6.0 billion, up 11% year over year, on revenue of $18.5 billion. Wealth management and capital markets were standout contributors, with wealth assets under administration surpassing $1 trillion and investment banking revenue up 23%.
Return on equity (a measure of profitability relative to shareholder capital) reached about 17.9%, and the company maintained a CET1 ratio of roughly 13.7%. RY has also emphasized capital returns, raising its dividend and repurchasing shares. At the same time, management flagged headwinds including tariff-related uncertainty, a softer Canadian housing market, and elevated provisions for credit losses, which reflect caution around trade-exposed sectors and select loan exposures.
Trending AI Robots
Tickeron's Trending AI Robots page is a curated selection of AI-powered trading bots drawn from a library of hundreds of automated strategies that trade thousands of different tickers. Because not every bot suits every market regime, the page highlights only those whose recent performance and statistical profile align with current conditions. The available bots vary widely in trading style, strategy, timeframe, and the set of tickers they monitor, so traders can filter by performance metrics, win rate, and risk characteristics to match their approach. For investors looking to see how algorithmic models are reading names like ING and RY right now, exploring the Trending AI Robots page is a practical next step.
Head-to-Head Comparison
The clearest contrast between these two stocks is business-model diversification. ING is primarily a rate-sensitive European retail and wholesale bank, with the bulk of its revenue tied to net interest income. RY, by contrast, generates meaningful earnings from fee-based wealth management and capital markets, which can reduce its dependence on interest-rate cycles.
Growth drivers also differ. ING's momentum is anchored in customer acquisition, fee income expansion, and capital returns, while RY's is anchored in wealth asset growth, record capital-markets activity, and stated AI-efficiency ambitions. On risk factors, ING faces European margin pressure and macro uncertainty, whereas RY faces Canadian housing softness, tariff exposure, and rising credit provisions. Valuation and market positioning round out the picture: ING trades at a lower multiple and higher yield, while RY's premium multiple reflects its scale, diversification, and earnings consistency.
Tickeron AI Verdict
Based on observable factors such as trend consistency, stability, and earnings breadth, Tickeron's AI would likely favor RY for its more diversified revenue mix and record-setting results across multiple business lines, even as it carries a higher valuation. ING presents an attractive value and capital-return profile, but its trajectory remains more tightly coupled to European interest rates and regional economic conditions. In probabilistic terms, RY's broader earnings base and steadier momentum give it a relative edge in current conditions, though ING's cheaper valuation and higher yield keep it a notable alternative within the banking sector.
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 ING is a Buy and RY is a StrongBuy.
ING's RSI Indicator recovers from oversold territory
The RSI Oscillator for ING moved out of oversold territory on November 04, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 24 similar instances when the indicator left oversold territory. In 18 of the 24 cases the stock moved higher. This puts the odds of a move higher at 75%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on November 09, 2026. You may want to consider a long position or call options on ING as a result. In 51 of 73 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 70%.
The Moving Average Convergence Divergence (MACD) for ING just turned positive on November 04, 2026. Looking at past instances where ING's MACD turned positive, the stock continued to rise in 27 of 43 cases over the following month. The odds of a continued upward trend are 63%.
Following a +4.84% 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
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
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 9 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 69%.
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 November 10, 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 4 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 20, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 20 (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. 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 50 (best 1 - 100 worst) indicates that the company is fair valued 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 (1.803) is normal, around the industry mean (1.500). P/E Ratio (13.775) is within average values for comparable stocks, (11.703). Projected Growth (PEG Ratio) (2.140) is also within normal values, averaging (2.139). Dividend Yield (0.052) settles around the average of (0.035) among similar stocks. P/S Ratio (3.874) is also within normal values, averaging (3.867).
RY's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for RY turned positive on October 15, 2026. Looking at past instances where RY's MACD turned positive, the stock continued to rise in 26 of 46 cases over the following month. The odds of a continued upward trend are 57%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
RY moved above its 50-day moving average on October 26, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for RY crossed bullishly above the 50-day moving average on October 29, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 7 of 13 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 54%.
Following a +1.48% 3-day Advance, the price is estimated to grow further. Considering data from situations where RY advanced for three days, in 167 of 348 cases, the price rose further within the following month. The odds of a continued upward trend are 48%.
The Aroon Indicator entered an Uptrend today. In 148 of 326 cases where RY Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 45%.
Bearish Trend Analysis
The 10-day RSI Indicator for RY moved out of overbought territory on November 05, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 43 similar instances where the indicator moved out of overbought territory. In 16 of the 43 cases, the stock moved lower in the following days. This puts the odds of a move lower at 37%.
The Momentum Indicator moved below the 0 level on November 10, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on RY as a result. In 35 of 75 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 47%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where RY 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 54%.
RY broke above its upper Bollinger Band on November 04, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put 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 12 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 20, placing this stock better than average.
The Tickeron Price Growth Rating for this company is 43 (best 1 - 100 worst), indicating steady price growth. RY’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 65 (best 1 - 100 worst) indicates that the company is fair valued 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 PE Growth Rating for this company is 71 (best 1 - 100 worst), pointing to worse than average 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 Valuation Rating of 87 (best 1 - 100 worst) indicates that the company is significantly 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 (2.080) is normal, around the industry mean (1.500). P/E Ratio (12.652) is within average values for comparable stocks, (11.703). Projected Growth (PEG Ratio) (2.257) is also within normal values, averaging (2.139). Dividend Yield (0.025) settles around the average of (0.035) among similar stocks. RY's P/S Ratio (5.537) is slightly higher than the industry average of (3.867).
ING | RY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 80 | 34 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 79 Overvalued | 87 Overvalued | |
PROFIT vs RISK RATING 1..100 | 4 | 12 | |
SMR RATING 1..100 | 4 | 3 | |
PRICE GROWTH RATING 1..100 | 48 | 43 | |
P/E GROWTH RATING 1..100 | 20 | 71 | |
SEASONALITY SCORE 1..100 | 50 | 65 |
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 (79) in the Financial Conglomerates industry is in the same range as RY (87) in the Major Banks industry. This means that ING’s stock grew similarly to RY’s over the last 12 months.
ING's Profit vs Risk Rating (4) in the Financial Conglomerates industry is in the same range as RY (12) in the Major Banks industry. This means that ING’s stock grew similarly to RY’s over the last 12 months.
RY'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 RY’s stock grew similarly to ING’s over the last 12 months.
RY's Price Growth Rating (43) in the Major Banks industry is in the same range as ING (48) in the Financial Conglomerates industry. This means that RY’s stock grew similarly to ING’s over the last 12 months.
ING's P/E Growth Rating (20) in the Financial Conglomerates industry is somewhat better than the same rating for RY (71) in the Major Banks industry. This means that ING’s stock grew somewhat faster than RY’s over the last 12 months.
| ING | RY | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 75% | 2 days ago 37% |
| Stochastic ODDS (%) | 2 days ago 43% | 2 days ago 49% |
| Momentum ODDS (%) | 2 days ago 70% | 2 days ago 47% |
| MACD ODDS (%) | 2 days ago 63% | 2 days ago 57% |
| TrendWeek ODDS (%) | 2 days ago 69% | 2 days ago 48% |
| TrendMonth ODDS (%) | 2 days ago 51% | 2 days ago 44% |
| Advances ODDS (%) | 2 days ago 69% | 14 days ago 48% |
| Declines ODDS (%) | 6 days ago 52% | 6 days ago 54% |
| BollingerBands ODDS (%) | 2 days ago 69% | 2 days ago 29% |
| Aroon ODDS (%) | 2 days ago 48% | 2 days ago 45% |
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).
ING’s FA Score shows that 3 FA rating(s) are green while RY’s FA Score has 2 green FA rating(s).
- ING’s FA Score: 3 green, 2 red.
- RY’s FA Score: 2 green, 3 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.
ING’s TA Score shows that 5 TA indicator(s) are bullish while RY’s TA Score has 6 bullish TA indicator(s).
- ING’s TA Score: 5 bullish, 4 bearish.
- RY’s TA Score: 6 bullish, 4 bearish.
Price Growth
ING (@Major Banks) experienced а +7.96% price change this week, while RY (@Major Banks) price change was -0.58% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was -0.74%. For the same industry, the average monthly price growth was +1.49%, and the average quarterly price growth was +11.62%.
Reported Earning Dates
ING is expected to report earnings on Jan 28, 2027.
RY is expected to report earnings on Dec 03, 2026.
Industries' Descriptions
@Major Banks (-0.74% 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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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% | +0.48% | ||
| BCS - ING | 79% Closely correlated | -0.39% | ||
| BBVA - ING | 77% Closely correlated | +0.19% | ||
| HSBC - ING | 77% Closely correlated | -0.38% | ||
| SAN - ING | 74% Closely correlated | +0.80% | ||
| UBS - ING | 67% Closely correlated | +0.43% | ||
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RY and
Correlation & Price change
A.I.dvisor indicates that over the last year, RY has been closely correlated with TD. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if RY jumps, then TD could also see price increases.