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ING vs UBS
Which Stock Would AI Choose? ING Groep N.V. (ING) vs. UBS Group AG (UBS) Stock Comparison
Key Takeaways
- ING trades at a lower P/E ratio of 11.3 compared to UBS's 17.9, suggesting relative value in the Dutch bank.
- Recent market activity shows ING up over 12% in the past month, outpacing UBS's 8% gain, amid share buyback progress.
- Both stocks approach Q1 earnings releases this week, with ING on April 30 and UBS on April 29, potentially influencing short-term momentum.
- ING nears completion of its €1.1 billion share buyback, bolstering shareholder returns.
- UBS contends with proposed Swiss regulatory changes on capital requirements, creating uncertainty.
- YTD, UBS edges ING with 7% versus 3% gains, reflecting broader wealth management exposure.
Introduction
ING Groep N.V. (ING) and UBS Group AG (UBS) represent prominent European banking giants, with ING focusing on retail and digital banking across Europe, Asia, and Australia, while UBS emphasizes global wealth management and investment banking following its Credit Suisse integration. This stock comparison aids investors seeking diversified exposure to the financial sector, particularly those evaluating value versus growth in a volatile rate environment. Traders monitoring relative performance may find insights into momentum, capital returns, and regulatory influences shaping these stocks' trajectories in recent market activity.
ING Overview and Recent Performance
ING Groep N.V., headquartered in Amsterdam, operates as a universal bank with strong retail franchises and wholesale banking operations. In recent weeks, its shares have exhibited steady upward momentum, gaining over 12% in the past month amid progress on a €1.1 billion share buyback program nearing completion. The 2026 Annual General Meeting approved 2025 accounts, a dividend payout, and the appointment of Ida Lerner as CFO, enhancing governance sentiment. Additionally, ING Bank Śląski completed the acquisition of Goldman Sachs TFI, expanding its asset management footprint in Poland. Trading around $28 with a market cap of $80.7 billion and P/E of 11.3, the stock reflects positive reactions to capital return initiatives and resilient net interest income (NII, revenue from interest-bearing assets minus costs). Technical indicators remain neutral, with year-to-date gains of about 3% and one-year returns exceeding 46%.
UBS Overview and Recent Performance
UBS Group AG, based in Zurich, is a leading global wealth manager and investment bank, benefiting from its enlarged platform post-Credit Suisse acquisition. Recent market activity has seen shares fluctuate around $42, with a market cap over $130 billion and P/E of 17.9. Monthly gains of about 8% have been tempered by concerns over Swiss government proposals for stricter capital rules, including higher Common Equity Tier 1 (CET1, core capital adequacy measure) requirements, prompting UBS to voice strong disagreement. Positive offsets include a proposed 22% dividend increase to $1.10 and a $3 billion share buyback plan announced earlier. Year-to-date performance stands at roughly 7%, with one-year gains near 44%, driven by wealth inflows and investment banking recovery, though regulatory uncertainty weighs on sentiment. Technicals show neutral bias amid short-term pullbacks.
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Head-to-Head Comparison
ING’s retail-oriented model emphasizes digital banking and NII stability in Europe, contrasting UBS’s wealth management (AUM, assets under management) and investment banking focus, which offer higher growth potential but cyclical risks. ING’s lower valuation and ongoing buyback signal efficient capital allocation, while UBS’s larger scale provides diversified revenue but exposes it to M&A integration challenges (mergers and acquisitions) and litigation. Recent momentum favors ING’s steadier uptrend, versus UBS’s regulatory headwinds impacting CET1 buffers. Risk factors include ING’s exposure to NCOs (net credit losses) in a downturn and UBS’s Swiss policy shifts. Market sentiment tilts positive for ING’s shareholder returns amid neutral technicals for both, positioning ING for relative outperformance in value-driven environments.
Tickeron AI Verdict
Tickeron’s AI models currently favor ING over UBS, citing its attractive valuation, consistent recent momentum, and proactive capital returns like the share buyback. UBS shows strength in scale and dividends but trails on P/E multiples and faces regulatory catalysts that could pressure margins. This probabilistic edge for ING aligns with trend stability and relative positioning, though earnings outcomes this week may shift 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. 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 UBS 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 whileUBS’s FA Score has 2 green FA rating(s).
- ING’s FA Score: 3 green, 2 red.
- UBS’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 6 TA indicator(s) are bullish while UBS’s TA Score has 3 bullish TA indicator(s).
- ING’s TA Score: 6 bullish, 3 bearish.
- UBS’s TA Score: 3 bullish, 5 bearish.
Price Growth
ING (@Major Banks) experienced а +1.38% price change this week, while UBS (@Major Banks) price change was +0.65% 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 +6.83%, and the average quarterly price growth was +17.05%.
Reported Earning Dates
ING is expected to report earnings on Jul 30, 2026.
UBS is expected to report earnings on Jul 29, 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 | UBS | ING / UBS | |
| Capitalization | 90.1B | 163B | 55% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 16.669 | 10.167 | 164% |
| P/E Ratio | 12.82 | 18.33 | 70% |
| Revenue | 23.1B | 49.1B | 47% |
| Total Cash | N/A | 210B | - |
| Total Debt | 183B | 344B | 53% |
ING | UBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 23 | 32 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 35 Fair valued | 72 Overvalued | |
PROFIT vs RISK RATING 1..100 | 7 | 13 | |
SMR RATING 1..100 | 6 | 8 | |
PRICE GROWTH RATING 1..100 | 44 | 43 | |
P/E GROWTH RATING 1..100 | 24 | 62 | |
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 (35) in the Financial Conglomerates industry is somewhat better than the same rating for UBS (72) in the Major Banks industry. This means that ING’s stock grew somewhat faster than UBS’s over the last 12 months.
ING's Profit vs Risk Rating (7) in the Financial Conglomerates industry is in the same range as UBS (13) in the Major Banks industry. This means that ING’s stock grew similarly to UBS’s over the last 12 months.
ING's SMR Rating (6) in the Financial Conglomerates industry is in the same range as UBS (8) in the Major Banks industry. This means that ING’s stock grew similarly to UBS’s over the last 12 months.
UBS's Price Growth Rating (43) in the Major Banks industry is in the same range as ING (44) in the Financial Conglomerates industry. This means that UBS’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 somewhat better than the same rating for UBS (62) in the Major Banks industry. This means that ING’s stock grew somewhat faster than UBS’s over the last 12 months.
| ING | UBS | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 49% | 2 days ago 52% |
| Stochastic ODDS (%) | 2 days ago 55% | 2 days ago 63% |
| Momentum ODDS (%) | 2 days ago 72% | 2 days ago 73% |
| MACD ODDS (%) | 2 days ago 76% | 2 days ago 68% |
| TrendWeek ODDS (%) | 2 days ago 69% | 2 days ago 65% |
| TrendMonth ODDS (%) | 2 days ago 68% | 2 days ago 57% |
| Advances ODDS (%) | 2 days ago 70% | 2 days ago 65% |
| Declines ODDS (%) | 7 days ago 54% | 9 days ago 62% |
| BollingerBands ODDS (%) | 2 days ago 79% | 2 days ago 62% |
| Aroon ODDS (%) | 2 days ago 63% | 2 days ago 55% |
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