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ING vs SAN
Which Stock Would AI Choose? ING Groep (ING) vs. Banco Santander (SAN) Stock Comparison
Key Takeaways
- Both ING and SAN have demonstrated upward price momentum in recent weeks, underscoring banking sector stability amid varying economic signals.
- ING offers a higher dividend yield of about 4.6%, compared to SAN's 2.3%, attracting income-oriented investors.
- SAN leads in one-year performance with returns around 64%, outpacing ING's 51%.
- ING exhibits stronger return on equity (ROE, a measure of profitability relative to shareholders' equity) at 15.8% versus SAN's 12.7%.
- Market caps differ significantly, with SAN at $173B dwarfing ING's $80B, reflecting scale advantages.
Introduction
This comparison pits two prominent European banking giants—ING Groep N.V. and Banco Santander S.A.—against each other in the current market landscape. Both operate globally with strong retail and commercial banking franchises, navigating interest rate dynamics, regulatory pressures, and economic shifts. Traders seeking short-term momentum or investors eyeing dividends and growth in financials will find value here. By examining recent performance, fundamentals, and catalysts, this analysis highlights relative strengths, aiding informed positioning in a sector sensitive to macroeconomic trends.
ING Overview and Recent Performance
ING Groep N.V., headquartered in Amsterdam, is a leading Dutch multinational bank focused on retail banking in Benelux and Germany, alongside wholesale banking and digital services across Asia and Europe. Trading around $28 per share with a market cap of $81B, it maintains a trailing P/E of 11.3. In recent market activity, the stock has climbed from mid-$20s levels, buoyed by momentum from robust Q4 2025 earnings, an ongoing share buyback program, and the acquisition of Goldman Sachs TFI in Poland. These developments have fostered positive sentiment, supported by a lower beta of 0.87 (indicating less volatility than the market) and analyst targets averaging $30.80.
SAN Overview and Recent Performance
Banco Santander S.A., based in Spain, ranks among the world's largest banks by assets, with significant exposure to Latin America, the UK, and Europe through retail, corporate, and investment banking. Its ADR trades near $12, backed by a $173B market cap and a P/E of 12.2. Recent weeks have seen gains from sub-$11 levels, driven by solid one-year shareholder returns despite headwinds like compensation for mis-sold car loans in the UK. Trading with a beta of 0.96, sentiment reflects resilience amid mortgage rate adjustments, though regulatory issues temper enthusiasm. Analyst targets average $11.72.
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Head-to-Head Comparison
ING emphasizes digital innovation and concentrated European retail operations, contrasting SAN's broader geographic diversification, particularly in high-growth Latin America. Growth drivers differ: ING leverages buybacks and M&A (mergers and acquisitions), while SAN benefits from scale but contends with emerging market volatility. Recent momentum is comparable, with both advancing amid sector tailwinds, though SAN holds a one-year edge. Risk profiles show ING's lower beta offering stability, versus SAN's exposure to regulatory fines. Sector-wise, both thrive on net interest income (NII, revenue from loans minus deposit costs), but sentiment favors ING's proactive capital returns over SAN's compliance challenges.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward ING, citing its superior ROE, elevated dividend yield, lower volatility, and fresh catalysts like buybacks and acquisitions. While SAN excels in longer-term momentum and scale, ING's relative stability and income profile position it favorably in the near term, though outcomes depend on broader market trends.
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 ING is a Hold and SAN is a Hold.
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).
ING’s FA Score shows that 4 FA rating(s) are green whileSAN’s FA Score has 3 green FA rating(s).
- ING’s FA Score: 4 green, 1 red.
- SAN’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.
ING’s TA Score shows that 6 TA indicator(s) are bullish while SAN’s TA Score has 5 bullish TA indicator(s).
- ING’s TA Score: 6 bullish, 3 bearish.
- SAN’s TA Score: 5 bullish, 4 bearish.
Price Growth
ING (@Major Banks) experienced а +8.81% price change this week, while SAN (@Major Banks) price change was +11.83% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +3.42%. For the same industry, the average monthly price growth was +10.34%, and the average quarterly price growth was +17.66%.
Reported Earning Dates
ING is expected to report earnings on Jul 30, 2026.
SAN is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Major Banks (+3.42% 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.
| ING | SAN | ING / SAN | |
| Capitalization | 90.4B | 195B | 46% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 15.779 | 15.031 | 105% |
| P/E Ratio | 12.33 | 13.15 | 94% |
| Revenue | 23.1B | 60.5B | 38% |
| Total Cash | N/A | N/A | - |
| Total Debt | 183B | 329B | 56% |
ING | SAN | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 37 | 22 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 33 Fair valued | 73 Overvalued | |
PROFIT vs RISK RATING 1..100 | 7 | 6 | |
SMR RATING 1..100 | 6 | 4 | |
PRICE GROWTH RATING 1..100 | 42 | 40 | |
P/E GROWTH RATING 1..100 | 27 | 19 | |
SEASONALITY SCORE 1..100 | 27 | 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.
ING's Valuation (33) in the Financial Conglomerates industry is somewhat better than the same rating for SAN (73) in the Major Banks industry. This means that ING’s stock grew somewhat faster than SAN’s over the last 12 months.
SAN's Profit vs Risk Rating (6) in the Major Banks industry is in the same range as ING (7) in the Financial Conglomerates industry. This means that SAN’s stock grew similarly to ING’s over the last 12 months.
SAN'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 SAN’s stock grew similarly to ING’s over the last 12 months.
SAN's Price Growth Rating (40) in the Major Banks industry is in the same range as ING (42) in the Financial Conglomerates industry. This means that SAN’s stock grew similarly to ING’s over the last 12 months.
SAN's P/E Growth Rating (19) in the Major Banks industry is in the same range as ING (27) in the Financial Conglomerates industry. This means that SAN’s stock grew similarly to ING’s over the last 12 months.
| ING | SAN | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 47% | 2 days ago 47% |
| Stochastic ODDS (%) | 2 days ago 47% | 2 days ago 50% |
| Momentum ODDS (%) | 2 days ago 72% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 77% | 2 days ago 70% |
| TrendWeek ODDS (%) | 2 days ago 69% | 2 days ago 73% |
| TrendMonth ODDS (%) | 2 days ago 68% | 2 days ago 71% |
| Advances ODDS (%) | 2 days ago 70% | 4 days ago 72% |
| Declines ODDS (%) | 12 days ago 55% | 29 days ago 56% |
| BollingerBands ODDS (%) | 2 days ago 71% | 2 days ago 48% |
| Aroon ODDS (%) | 2 days ago 59% | 2 days ago 71% |
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SAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, SAN has been closely correlated with BBVA. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if SAN jumps, then BBVA could also see price increases.
| Ticker / NAME | Correlation To SAN | 1D Price Change % | ||
|---|---|---|---|---|
| SAN | 100% | -0.37% | ||
| BBVA - SAN | 77% Closely correlated | +0.33% | ||
| ING - SAN | 74% Closely correlated | +0.35% | ||
| BCS - SAN | 72% Closely correlated | +1.35% | ||
| HSBC - SAN | 71% Closely correlated | +0.83% | ||
| UBS - SAN | 60% Loosely correlated | -1.45% | ||
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