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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 and SMFG are leading European and Japanese banking groups, respectively, offering diversified financial services with exposure to retail, corporate, and wholesale banking.
- Both stocks have delivered strong relative performance in recent weeks, with ING trading near its 52-week high amid ongoing share buybacks and SMFG showing robust year-to-date gains supported by favorable domestic conditions.
- ING benefits from capital return initiatives and European market positioning, while SMFG leverages a larger market capitalization and record net income achievements in its fiscal year.
- Sector exposure for both centers on banking, with ING facing eurozone interest rate dynamics and SMFG influenced by Bank of Japan policy shifts and yen movements.
- Market sentiment remains constructive for both amid broader financial sector resilience, though volatility tied to macroeconomic data releases has influenced short-term price behavior.
- Relative positioning highlights trade-offs in scale, geographic focus, and capital management strategies that may appeal differently to investors seeking international diversification.
Introduction
Investors and traders comparing global financial institutions often examine banks with strong regional footprints and varying growth profiles. ING Groep N.V. (ING), a major European player, and Sumitomo Mitsui Financial Group, Inc. (SMFG), a leading Japanese financial group, provide complementary exposure to developed markets outside the United States. This comparison appeals to those evaluating relative performance, sector momentum, and risk factors within international banking amid evolving interest rate environments and economic conditions in Europe and Asia.
ING Overview and Recent Performance
ING Groep N.V. operates as a multinational banking and financial services company headquartered in the Netherlands, with significant retail and wholesale banking operations across Europe. In recent market activity, the stock has traded near its 52-week high of approximately $33.46, closing around $32.83 as of July 24, 2026, reflecting continued investor interest. Performance has been supported by an ongoing €1 billion share buyback program, with substantial completion reported in mid-July. Broader sentiment benefited from solid quarterly results earlier in the year and cost discipline, contributing to year-to-date gains exceeding 20% in several measures. Price behavior in recent weeks showed resilience despite periodic pullbacks ahead of earnings, with the stock maintaining position above key moving averages.
SMFG Overview and Recent Performance
Sumitomo Mitsui Financial Group, Inc. serves as the holding company for one of Japan’s major banking groups, encompassing commercial banking, securities, and related financial services with a strong domestic base. Recent market activity saw the stock advance to levels near $26.18 as of July 24, 2026, following periods of strength that included a 52-week high around $26.67. Year-to-date returns have been notable, often surpassing 35%, bolstered by record net income results for the fiscal year ending March 2026 and supportive monetary policy conditions. Sentiment in recent weeks reflected steady momentum, with the shares demonstrating gains over one-month and longer periods amid favorable business environment factors, while exhibiting typical volatility associated with currency and rate expectations.
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Head-to-Head Comparison
ING operates primarily in Europe with a focus on retail and wholesale banking, while SMFG maintains a core presence in Japan alongside international activities, resulting in differing sensitivities to regional economic cycles. Growth drivers for ING include capital returns via buybacks and fee income growth, contrasting with SMFG’s emphasis on domestic lending expansion and securities operations. Recent momentum has favored both, though SMFG has posted comparatively larger percentage gains over the past year. Risk factors encompass regulatory capital requirements—such as Common Equity Tier 1 (CET1) ratios—for both, alongside geographic concentration risks. Market sentiment for ING reflects European rate stabilization, whereas SMFG benefits from Japanese policy normalization. Trade-offs center on scale, with SMFG holding a larger market capitalization, versus ING’s active shareholder return program.
Tickeron AI Verdict
Based on observable factors including trend consistency, relative stability, and positioning within broader sector momentum, Tickeron’s AI would currently assign a probabilistic edge to SMFG for continued outperformance potential in the near term. This assessment draws from stronger recent percentage gains and supportive domestic catalysts, while acknowledging ING’s capital management discipline as a stabilizing element. Outcomes remain subject to macroeconomic developments and sector-specific dynamics.
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 Hold 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 4 TA indicator(s) are bullish while SMFG’s TA Score has 3 bullish TA indicator(s).
- ING’s TA Score: 4 bullish, 4 bearish.
- SMFG’s TA Score: 3 bullish, 5 bearish.
Price Growth
ING (@Major Banks) experienced а +6.40% price change this week, while SMFG (@Major Banks) price change was -1.15% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.08%. For the same industry, the average monthly price growth was +4.29%, and the average quarterly price growth was +19.46%.
Reported Earning Dates
ING is expected to report earnings on Oct 29, 2026.
SMFG is expected to report earnings on Nov 18, 2026.
Industries' Descriptions
@Major Banks (+1.08% 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 | 100B | 162B | 62% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 29.455 | 33.885 | 87% |
| P/E Ratio | 13.19 | 17.10 | 77% |
| Revenue | 23.6B | 5.79T | 0% |
| Total Cash | N/A | N/A | - |
| Total Debt | 185B | 32.55T | 1% |
ING | SMFG | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 90 | 44 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 44 Fair valued | 77 Overvalued | |
PROFIT vs RISK RATING 1..100 | 4 | 1 | |
SMR RATING 1..100 | 6 | 1 | |
PRICE GROWTH RATING 1..100 | 38 | 38 | |
P/E GROWTH RATING 1..100 | 26 | 21 | |
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 (44) in the Financial Conglomerates industry is somewhat better than the same rating for SMFG (77) in the Major Banks industry. This means that ING’s stock grew somewhat faster than SMFG’s over the last 12 months.
SMFG's Profit vs Risk Rating (1) in the Major Banks industry is in the same range as ING (4) in the Financial Conglomerates industry. This means that SMFG’s stock grew similarly to ING’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 (38) in the Major Banks industry is in the same range as ING (38) in the Financial Conglomerates industry. This means that SMFG’s stock grew similarly to ING’s over the last 12 months.
SMFG's P/E Growth Rating (21) in the Major Banks industry is in the same range as ING (26) in the Financial Conglomerates industry. This means that SMFG’s stock grew similarly to ING’s over the last 12 months.
| ING | SMFG | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 45% | 4 days ago 60% |
| Stochastic ODDS (%) | 4 days ago 48% | 4 days ago 45% |
| Momentum ODDS (%) | 4 days ago 70% | 4 days ago 66% |
| MACD ODDS (%) | 4 days ago 79% | 4 days ago 47% |
| TrendWeek ODDS (%) | 4 days ago 69% | 4 days ago 45% |
| TrendMonth ODDS (%) | 4 days ago 69% | 4 days ago 66% |
| Advances ODDS (%) | 8 days ago 70% | 4 days ago 71% |
| Declines ODDS (%) | 6 days ago 53% | 6 days ago 44% |
| BollingerBands ODDS (%) | 4 days ago 42% | 4 days ago 57% |
| Aroon ODDS (%) | 4 days ago 61% | 4 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% | -0.03% | ||
| SAN - ING | 74% Closely correlated | -0.07% | ||
| HSBC - ING | 71% Closely correlated | -0.63% | ||
| BCS - ING | 70% Closely correlated | -0.72% | ||
| BBVA - ING | 67% Closely correlated | +1.27% | ||
| UBS - ING | 60% Loosely correlated | -1.22% | ||
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