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ING vs UBS
Which Stock Would AI Choose? ING Groep (ING) vs. UBS Group (UBS) Stock Comparison
Key Takeaways
- ING is a digital-first European retail and commercial bank, while UBS is a global wealth manager and investment bank still absorbing its Credit Suisse acquisition.
- ING has delivered stronger recent share-price momentum, rising roughly 20% year to date, versus a mid-single-digit gain for UBS in its home currency.
- UBS posted an 80% year-over-year jump in first-quarter net profit and record trading revenue, driven by market volatility and wealth-management inflows.
- ING continues to return capital through a €1 billion share buyback while maintaining a strong CET1 (Common Equity Tier 1) capital ratio near 13%.
- Both stocks face distinct risks: ING is exposed to European deposit competition and interest-rate swings, while UBS is navigating Switzerland's evolving capital-requirements debate.
- You can review the latest developments and intraday moves on dedicated pages — ING Major News, ING Today's Price Move, UBS Major News, and UBS Today's Price Move.
- For an automated, data-driven perspective on these and other tickers, explore Trending AI Robots.
Introduction
ING Groep and UBS Group are two of Europe's most closely watched financial institutions, yet they operate very different business models. ING is a Netherlands-based bank centered on retail and wholesale lending across the Benelux region, Germany, and select international markets. UBS is Switzerland's largest bank, a global wealth-management franchise paired with a large investment bank. This stock comparison is relevant for investors weighing a steady European commercial lender against a diversified global wealth and capital-markets player, and for traders tracking how interest rates, regulatory change, and market volatility shape relative performance.
ING Overview and Recent Performance
ING is a digital-first banking group that earns the bulk of its income from net interest on loans and deposits, supplemented by growing fee income. In recent quarters the company reported solid results, with first-quarter net profit rising to roughly €1.56 billion from €1.46 billion a year earlier, supported by stronger commercial net interest income (NII, the difference between interest earned on loans and paid on deposits) and increased customer activity. Management raised its full-year NII guidance and announced a new €1 billion share buyback, reflecting a CET1 capital ratio around 13%.
On the equity side, ING shares have outperformed the broader European banking sector over the past year, gaining roughly 40% on a trailing basis and about 20% year to date. Recent market activity, however, has shown some softening, with the stock pulling back modestly from its highs amid concerns about deposit competition and forward-rate volatility. Analyst sentiment remains broadly constructive, with price targets near or slightly above recent trading levels.
UBS Overview and Recent Performance
UBS is a globally diversified bank whose core divisions include Global Wealth Management, Asset Management, and a sizable Investment Bank. Its current strategy is dominated by the integration of Credit Suisse, which it acquired in a state-arranged emergency takeover in 2023. Recent results have been strong: first-quarter net profit rose about 80% year over year to $3.0 billion, and second-quarter profit climbed a further 17% to $2.8 billion, helped by record trading revenue and steady client asset inflows. The bank reports a return on CET1 capital in the mid-to-high teens.
On the stock chart, UBS has risen modestly year to date but has lagged ING in relative performance, partly because of uncertainty around Switzerland's proposed capital requirements for systemically important banks. The company has nevertheless sustained share buybacks and signaled a mid-teens dividend increase, while reducing cumulative integration costs. The Credit Suisse integration is expected to be substantially complete by the end of 2026.
Trending AI Robots
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Head-to-Head Comparison
The two banks differ most sharply in their revenue mix and growth drivers. ING is heavily dependent on net interest income and is therefore more sensitive to European interest-rate policy and deposit pricing competition. Its strengths include a lean digital cost base, disciplined capital returns, and steady lending growth in core markets. UBS, by contrast, earns a larger share of revenue from fees, trading, and wealth management, which gives it cyclical exposure to market volatility and capital-markets activity — a tailwind in recent quarters but also a source of earnings variability.
Risk profiles also diverge. ING faces the risk of margin compression if rates fall faster than expected, while UBS carries execution and regulatory risks tied to the Credit Suisse integration and Switzerland's ongoing capital-rule deliberations. From a momentum standpoint, ING has shown more consistent share-price appreciation over the past year, whereas UBS offers stronger near-term earnings catalysts but a cloudier regulatory outlook. This contrast makes the comparison a study in steady, interest-rate-driven banking versus diversified, capital-markets-driven global finance.
Tickeron AI Verdict
Based on observable trend consistency, relative positioning, and catalyst clarity, Tickeron's AI would likely view ING as the more stable and trend-consistent candidate in the current environment, given its stronger one-year momentum, clear capital-return framework, and more predictable earnings profile. UBS presents more powerful near-term earnings momentum and integration-driven upside, but its trajectory is tempered by unresolved Swiss capital-rule negotiations. Accordingly, the AI would probably favor ING for stability and trend quality, while recognizing UBS as a higher-volatility alternative with more event-driven potential. This assessment reflects a probabilistic reading of current data rather than a definitive prediction.
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 UBS is a Hold.
ING sees its Stochastic Oscillator ascending out of oversold territory
On October 27, 2026, the Stochastic Oscillator for ING moved out of oversold territory and this could be a bullish sign for the stock. Traders may want to buy the stock or buy call options. Tickeron's A.I.dvisor looked at 52 instances where the indicator left the oversold zone. In 38 of the 52 cases the stock moved higher in the following days. This puts the odds of a move higher at over 73%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where ING's RSI Oscillator exited the oversold zone, 18 of 25 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 72%.
Following a +1.73% 3-day Advance, the price is estimated to grow further. Considering data from situations where ING advanced for three days, in 253 of 365 cases, the price rose further within the following month. The odds of a continued upward trend are 69%.
ING may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
ING moved below its 50-day moving average on October 01, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for ING crossed bearishly below the 50-day moving average on October 06, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 7 of 13 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 54%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ING declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 52%.
The Aroon Indicator for ING entered a downward trend on October 30, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 4 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 6 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 21, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 15 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 52 (best 1 - 100 worst), indicating fairly steady price growth. ING’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 80 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.783) is normal, around the industry mean (1.525). P/E Ratio (13.619) is within average values for comparable stocks, (11.866). Projected Growth (PEG Ratio) (2.140) is also within normal values, averaging (2.139). Dividend Yield (0.053) settles around the average of (0.034) among similar stocks. P/S Ratio (3.874) is also within normal values, averaging (3.867).
UBS in upward trend: price may ascend as a result of having broken its lower Bollinger Band on October 23, 2026
UBS may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 29 of 35 cases where UBS's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 83%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where UBS's RSI Oscillator exited the oversold zone, 18 of 27 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 67%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 37 of 55 cases where UBS's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 67%.
The Momentum Indicator moved above the 0 level on October 29, 2026. You may want to consider a long position or call options on UBS as a result. In 51 of 80 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 64%.
The Moving Average Convergence Divergence (MACD) for UBS just turned positive on October 12, 2026. Looking at past instances where UBS's MACD turned positive, the stock continued to rise in 28 of 40 cases over the following month. The odds of a continued upward trend are 70%.
Following a +0.91% 3-day Advance, the price is estimated to grow further. Considering data from situations where UBS advanced for three days, in 228 of 345 cases, the price rose further within the following month. The odds of a continued upward trend are 66%.
Bearish Trend Analysis
Following a 3-day decline, the stock is projected to fall further. Considering past instances where UBS declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 62%.
The Aroon Indicator for UBS entered a downward trend on October 30, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 5 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 11 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 21, placing this stock better than average.
The Tickeron Valuation Rating of 24 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.638) is normal, around the industry mean (1.525). P/E Ratio (15.585) is within average values for comparable stocks, (11.866). Projected Growth (PEG Ratio) (0.669) is also within normal values, averaging (2.139). UBS's Dividend Yield (0.092) is considerably higher than the industry average of (0.034). P/S Ratio (3.209) is also within normal values, averaging (3.867).
The Tickeron Price Growth Rating for this company is 50 (best 1 - 100 worst), indicating fairly steady price growth. UBS’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 72 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
ING | UBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 11 | 78 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 80 Overvalued | 24 Undervalued | |
PROFIT vs RISK RATING 1..100 | 6 | 11 | |
SMR RATING 1..100 | 4 | 5 | |
PRICE GROWTH RATING 1..100 | 52 | 50 | |
P/E GROWTH RATING 1..100 | 15 | 72 | |
SEASONALITY SCORE 1..100 | 75 | 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.
UBS's Valuation (24) in the Major Banks industry is somewhat better than the same rating for ING (80) in the Financial Conglomerates industry. This means that UBS’s stock grew somewhat faster than ING’s over the last 12 months.
ING's Profit vs Risk Rating (6) in the Financial Conglomerates industry is in the same range as UBS (11) 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 (4) in the Financial Conglomerates industry is in the same range as UBS (5) 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 (50) in the Major Banks industry is in the same range as ING (52) 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 (15) 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 | UBS | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 72% | 1 day ago 67% |
| Stochastic ODDS (%) | 1 day ago 73% | 1 day ago 67% |
| Momentum ODDS (%) | N/A | 1 day ago 64% |
| MACD ODDS (%) | N/A | 1 day ago 70% |
| TrendWeek ODDS (%) | 1 day ago 53% | 1 day ago 66% |
| TrendMonth ODDS (%) | 1 day ago 51% | 1 day ago 58% |
| Advances ODDS (%) | 3 days ago 69% | 4 days ago 66% |
| Declines ODDS (%) | 1 day ago 52% | 8 days ago 62% |
| BollingerBands ODDS (%) | 1 day ago 62% | 1 day ago 83% |
| Aroon ODDS (%) | 1 day ago 46% | 1 day ago 52% |
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 overvalued. 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 while UBS’s FA Score has 3 green FA rating(s).
- ING’s FA Score: 3 green, 2 red.
- UBS’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 UBS’s TA Score has 6 bullish TA indicator(s).
- ING’s TA Score: 4 bullish, 4 bearish.
- UBS’s TA Score: 6 bullish, 2 bearish.
Price Growth
ING (@Major Banks) experienced а -1.19% price change this week, while UBS (@Major Banks) price change was +2.85% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was -0.28%. For the same industry, the average monthly price growth was -2.90%, and the average quarterly price growth was +7.45%.
Reported Earning Dates
ING is expected to report earnings on Jan 28, 2027.
UBS is expected to report earnings on Feb 03, 2027.
Industries' Descriptions
@Major Banks (-0.28% 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.
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UBS and
Correlation & Price change
A.I.dvisor indicates that over the last year, UBS has been closely correlated with BCS. These tickers have moved in lockstep 70% of the time. This A.I.-generated data suggests there is a high statistical probability that if UBS jumps, then BCS could also see price increases.
| Ticker / NAME | Correlation To UBS | 1D Price Change % | ||
|---|---|---|---|---|
| UBS | 100% | -0.91% | ||
| BCS - UBS | 70% Closely correlated | -3.55% | ||
| ING - UBS | 65% Loosely correlated | -2.42% | ||
| SAN - UBS | 62% Loosely correlated | -3.92% | ||
| BBVA - UBS | 59% Loosely correlated | -4.13% | ||
| HSBC - UBS | 58% Loosely correlated | -1.36% | ||
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