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ING vs SMFG
Which Stock Would AI Choose? ING Groep N.V. (ING) vs. Sumitomo Mitsui Financial Group, Inc. (SMFG) Stock Comparison
Key Takeaways
- ING reported Q1 2026 net profit of €1.56 billion, beating expectations, with a CET1 ratio (common equity tier 1 capital, a key measure of bank capital strength) of 13.0% and launched a €1 billion share buyback.
- SMFG shows robust revenue growth of 21.8% yoy in recent quarter, larger market cap at $135B vs. ING's $86B, and strong 1-year return around 50%.
- Both stocks exhibit solid YTD gains (~10-13%), but ING trades at lower P/E (11.7) than SMFG (15.0), suggesting relative value in recent market activity.
- ING delivers higher ROTCE (return on tangible common equity, a profitability metric adjusted for intangibles) at ~14% vs. SMFG's ~9-11%, with superior recent momentum from buybacks and fee income growth.
- Japanese bank SMFG benefits from domestic growth drivers, while European-focused ING shows resilience via customer deposit and lending expansion.
Introduction
This stock comparison examines ING Groep N.V., a leading Dutch multinational bank, and Sumitomo Mitsui Financial Group, Inc. (SMFG), one of Japan's megabanks, in the current market environment. Both operate in the diversified banking sector, offering exposure to retail, commercial, and wholesale banking amid interest rate stabilization and economic recovery signals. Traders seeking momentum plays and investors eyeing value in financials will find value in their relative performance, capital strength, and growth trajectories. Recent quarters highlight contrasts in profitability, balance sheet expansion, and shareholder returns, aiding decisions on stock comparison and market positioning.
ING Overview and Recent Performance
ING Groep N.V. is a global bank headquartered in Amsterdam, providing retail and commercial banking services across Europe, North America, and Asia. In recent market activity, its ADR trades around $30, near the upper end of its 52-week range ($20.39-$31.18), reflecting YTD gains of over 10% and 1-year returns exceeding 45%. Q1 2026 results drove positive sentiment, with net profit of €1.56 billion surpassing forecasts, fueled by 7% commercial NII (net interest income) growth from rising customer balances and 13% fee income increase from trading activity and investment accounts. The bank announced a €1 billion share buyback, supporting its CET1 ratio of 13.0% and four-quarter ROTCE of 13.9%. Risk costs remained low at 19 bps, bolstering stability amid geopolitical overlays. These factors have enhanced investor confidence in ING's relative performance.
SMFG Overview and Recent Performance
Sumitomo Mitsui Financial Group, Inc. (SMFG) is a major Japanese financial holding company offering banking, leasing, and securities through subsidiaries like SMBC. Its U.S.-listed ADR hovers near $21.50, within a 52-week range of $14.28-$24.34, with YTD returns around 10-13% and 1-year gains over 50%. Recent quarters show quarterly revenue growth of 21.8% yoy and earnings growth of 12.3%, driven by strong gross profit increases across business units. Net income TTM stands at approximately 737 billion yen, with ROE around 9-11% and CET1 above 12.5%. Sentiment benefits from Japan's economic policies and potential M&A (mergers and acquisitions), though recent stock dips reflect broader market volatility. SMFG's scale and domestic momentum underpin its positioning.
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Head-to-Head Comparison
ING and SMFG share banking sector exposure but differ in geography and scale: ING's Europe-centric retail focus contrasts SMFG's Japan-heavy diversified model with global ambitions. Growth drivers include ING's deposit/lending expansion (annualized >8%) and fee momentum vs. SMFG's superior revenue surge (21.8% yoy). Recent momentum favors ING post-earnings and buyback, while SMFG offers higher market cap stability. Risks: ING faces Eurozone regulatory pressures; SMFG yen volatility and NCOs (net charge-offs, loan loss write-downs). Sentiment leans positive for both amid rate environments, with ING's lower P/E signaling value trade-offs.
Tickeron AI Verdict
Tickeron’s AI currently favors ING for its trend consistency, superior ROTCE (~14%), recent catalysts like the €1B buyback, and CET1 stability at 13%. Relative to SMFG, ING shows higher probability of outperformance in the near term based on earnings beats, fee growth, and valuation, though SMFG's scale provides diversification upside.
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 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 Buy and SMFG 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 3 FA rating(s) are green whileSMFG’s FA Score has 3 green FA rating(s).
- ING’s FA Score: 3 green, 2 red.
- SMFG’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 SMFG’s TA Score has 4 bullish TA indicator(s).
- ING’s TA Score: 6 bullish, 3 bearish.
- SMFG’s TA Score: 4 bullish, 4 bearish.
Price Growth
ING (@Major Banks) experienced а +5.82% price change this week, while SMFG (@Major Banks) price change was +3.00% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.04%. For the same industry, the average monthly price growth was +7.95%, and the average quarterly price growth was +16.40%.
Reported Earning Dates
ING is expected to report earnings on Jul 30, 2026.
SMFG is expected to report earnings on Jul 30, 2026.
Industries' Descriptions
@Major Banks (+1.04% 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 | SMFG | ING / SMFG | |
| Capitalization | 91.8B | 157B | 58% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 19.337 | 29.488 | 66% |
| P/E Ratio | 12.82 | 16.34 | 78% |
| Revenue | 23.1B | 5.79T | 0% |
| Total Cash | N/A | N/A | - |
| Total Debt | 183B | 32.55T | 1% |
ING | SMFG | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 40 | 83 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 36 Fair valued | 83 Overvalued | |
PROFIT vs RISK RATING 1..100 | 6 | 6 | |
SMR RATING 1..100 | 6 | 1 | |
PRICE GROWTH RATING 1..100 | 42 | 40 | |
P/E GROWTH RATING 1..100 | 24 | 27 | |
SEASONALITY SCORE 1..100 | 28 | 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 (36) in the Financial Conglomerates industry is somewhat better than the same rating for SMFG (83) in the Major Banks industry. This means that ING’s stock grew somewhat faster than SMFG’s over the last 12 months.
ING's Profit vs Risk Rating (6) in the Financial Conglomerates industry is in the same range as SMFG (6) in the Major Banks industry. This means that ING’s stock grew similarly to SMFG’s over the last 12 months.
SMFG's SMR Rating (1) in the Major Banks industry is in the same range as ING (6) in the Financial Conglomerates industry. This means that SMFG’s stock grew similarly to ING’s over the last 12 months.
SMFG'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 SMFG’s stock grew similarly to ING’s over the last 12 months.
ING's P/E Growth Rating (24) in the Financial Conglomerates industry is in the same range as SMFG (27) in the Major Banks industry. This means that ING’s stock grew similarly to SMFG’s over the last 12 months.
| ING | SMFG | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 45% | 2 days ago 51% |
| Stochastic ODDS (%) | 2 days ago 45% | 2 days ago 48% |
| Momentum ODDS (%) | 2 days ago 75% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 77% | 2 days ago 69% |
| TrendWeek ODDS (%) | 2 days ago 69% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 68% | 2 days ago 66% |
| Advances ODDS (%) | 2 days ago 70% | 6 days ago 70% |
| Declines ODDS (%) | 16 days ago 55% | 8 days ago 45% |
| BollingerBands ODDS (%) | 2 days ago 74% | 2 days ago 49% |
| Aroon ODDS (%) | 2 days ago 60% | 2 days ago 68% |
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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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SMFG and
Correlation & Price change
A.I.dvisor indicates that over the last year, SMFG has been closely correlated with MUFG. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if SMFG jumps, then MUFG could also see price increases.
| Ticker / NAME | Correlation To SMFG | 1D Price Change % | ||
|---|---|---|---|---|
| SMFG | 100% | -0.79% | ||
| MUFG - SMFG | 88% Closely correlated | -1.04% | ||
| BCS - SMFG | 54% Loosely correlated | +3.72% | ||
| SAN - SMFG | 53% Loosely correlated | +1.56% | ||
| ING - SMFG | 51% Loosely correlated | +2.68% | ||
| HSBC - SMFG | 48% Loosely correlated | +1.62% | ||
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