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ING vs SAN
Which Stock Would AI Choose? ING Group (ING) vs. Banco Santander (SAN) Stock Comparison
Key Takeaways
- ING and SAN are leading European banks with global operations, showing strong recent performance amid favorable interest rate environments and cost discipline.
- Over the past year, SAN has delivered higher total returns compared to ING, supported by ongoing share buyback programs.
- ING benefits from a recent strategic acquisition stake in Singular Bank, adding to its European retail footprint.
- Both stocks trade near multi-year highs with low beta relative to broader markets, reflecting sector resilience.
- Market sentiment remains constructive for European banks, driven by resilient earnings and capital returns to shareholders.
- Relative positioning favors SAN for momentum while ING offers stability through diversified operations.
Introduction
ING Group and Banco Santander represent two major players in the European banking sector, each with extensive retail and commercial operations across multiple continents. Investors and traders often compare these stocks when evaluating exposure to financial services amid evolving macroeconomic conditions, regulatory environments, and digital transformation trends. This analysis examines their recent performance, business models, and market positioning to provide a clear, factual basis for understanding relative strengths. The comparison is particularly relevant for those focused on international equities, sector rotation strategies, or diversified banking portfolios seeking exposure beyond domestic markets.
ING Overview and Recent Performance
ING Group operates as a multinational financial services company headquartered in the Netherlands, providing retail and commercial banking, insurance, and asset management services primarily in Europe and select international markets. In recent market activity, the stock has traded near its 52-week high, reflecting sustained investor interest in its efficiency improvements and deposit franchise. Performance has been supported by stable net interest income trends and strategic moves, including an agreement to acquire a 40% stake in Singular Bank. Over broader recent periods, ING has shown resilience with year-to-date gains outpacing certain benchmarks, aided by lower volatility compared to market averages.
SAN Overview and Recent Performance
Banco Santander is a Spanish multinational bank with significant operations in Europe, Latin America, and other regions, offering retail banking, wealth management, and corporate services. Recent market activity has seen the stock maintain strength near 52-week highs, bolstered by active share repurchase programs that have reduced outstanding shares and supported capital returns. Earnings resilience and analyst coverage with multiple buy ratings have contributed to positive sentiment. Over recent weeks and broader timeframes, SAN has recorded notable gains, with one-year performance exceeding many peers amid favorable operating conditions in key markets.
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Head-to-Head Comparison
ING Group focuses on a more concentrated European retail model with emphasis on digital banking efficiency, while Banco Santander maintains broader geographic diversification including Latin America, introducing different growth drivers and currency exposures. Recent momentum shows both advancing, though SAN exhibits stronger trailing one-year returns alongside active capital return programs. ING carries a notable recent M&A catalyst in its Singular Bank investment. Risk factors include regulatory pressures common to European banks and interest rate sensitivity for both; SAN faces additional emerging-market volatility. Sector exposure remains similar within financials, yet sentiment leans on buyback activity for SAN versus acquisition-driven positioning for ING.
Tickeron AI Verdict
Based on observable factors including stronger trailing returns, consistent share repurchase activity, and favorable analyst positioning, Tickeron’s AI would currently assign a probabilistic preference to SAN for relative momentum and capital return focus, while noting ING’s stability and recent strategic development as supportive elements. Trend consistency and catalyst visibility inform this assessment without implying certainty in future outcomes.
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 LimitationsTo 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 StrongBuy and SAN 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).
ING’s FA Score shows that 3 FA rating(s) are green whileSAN’s FA Score has 3 green FA rating(s).
- ING’s FA Score: 3 green, 2 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 4 TA indicator(s) are bullish while SAN’s TA Score has 3 bullish TA indicator(s).
- ING’s TA Score: 4 bullish, 4 bearish.
- SAN’s TA Score: 3 bullish, 5 bearish.
Price Growth
ING (@Major Banks) experienced а +7.71% price change this week, while SAN (@Major Banks) price change was +6.81% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.91%. For the same industry, the average monthly price growth was +5.41%, and the average quarterly price growth was +19.44%.
Reported Earning Dates
ING is expected to report earnings on Oct 29, 2026.
SAN is expected to report earnings on Oct 28, 2026.
Industries' Descriptions
@Major Banks (+1.91% 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 | 94.2B | 201B | 47% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 29.492 | 21.762 | 136% |
| P/E Ratio | 13.28 | 14.02 | 95% |
| Revenue | 23.1B | 60.5B | 38% |
| Total Cash | N/A | N/A | - |
| Total Debt | 183B | 329B | 56% |
ING | SAN | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 89 | 88 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 45 Fair valued | 74 Overvalued | |
PROFIT vs RISK RATING 1..100 | 3 | 4 | |
SMR RATING 1..100 | 6 | 4 | |
PRICE GROWTH RATING 1..100 | 42 | 44 | |
P/E GROWTH RATING 1..100 | 25 | 18 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
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 (45) in the Financial Conglomerates industry is in the same range as SAN (74) in the Major Banks industry. This means that ING’s stock grew similarly to SAN’s over the last 12 months.
ING's Profit vs Risk Rating (3) in the Financial Conglomerates industry is in the same range as SAN (4) in the Major Banks industry. This means that ING’s stock grew similarly to SAN’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.
ING's Price Growth Rating (42) in the Financial Conglomerates industry is in the same range as SAN (44) in the Major Banks industry. This means that ING’s stock grew similarly to SAN’s over the last 12 months.
SAN's P/E Growth Rating (18) in the Major Banks industry is in the same range as ING (25) 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 (%) | 1 day ago 50% | 1 day ago 57% |
| Stochastic ODDS (%) | 1 day ago 48% | 1 day ago 54% |
| Momentum ODDS (%) | 1 day ago 66% | 1 day ago 72% |
| MACD ODDS (%) | 1 day ago 76% | 1 day ago 49% |
| TrendWeek ODDS (%) | 1 day ago 69% | 1 day ago 73% |
| TrendMonth ODDS (%) | 1 day ago 69% | 1 day ago 73% |
| Advances ODDS (%) | 5 days ago 70% | 5 days ago 73% |
| Declines ODDS (%) | 3 days ago 53% | 3 days ago 53% |
| BollingerBands ODDS (%) | 1 day ago 42% | 1 day ago 40% |
| Aroon ODDS (%) | 1 day ago 61% | 1 day ago 72% |
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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% | +7.47% | ||
| SAN - ING | 74% Closely correlated | +5.46% | ||
| HSBC - ING | 70% Closely correlated | +4.38% | ||
| BCS - ING | 70% Closely correlated | +6.33% | ||
| BBVA - ING | 67% Closely correlated | +7.56% | ||
| UBS - ING | 60% Loosely correlated | +3.07% | ||
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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% | +5.46% | ||
| BBVA - SAN | 77% Closely correlated | +7.56% | ||
| ING - SAN | 75% Closely correlated | +7.47% | ||
| HSBC - SAN | 73% Closely correlated | +4.38% | ||
| BCS - SAN | 72% Closely correlated | +6.33% | ||
| UBS - SAN | 62% Loosely correlated | +3.07% | ||
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