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ING or SAN or SMFG
Which Stock Would AI Choose? ING Groep N.V. (ING) vs. Banco Santander, S.A. (SAN) vs. Sumitomo Mitsui Financial Group, Inc. (SMFG) Stock Comparison
Key Takeaways
- ING shares trade around $30 with YTD gains of 10.5% and 1-year returns of 52%, supported by Q1 net profit of €1.56B and CET1 ratio (common equity tier 1 capital, a key measure of bank capital strength) at 13.0%.
- SAN leads 1-year performance at 69% with shares near $12, driven by record Q1 underlying profit of €3.6B, RoTE (return on tangible equity, profitability relative to tangible shareholders' equity) of 15.2%, and CET1 at 14.4%.
- SMFG shows YTD return of 10.5% and 1-year gains of 51%, with shares around $21 and solid CET1 around 12.8%, benefiting from Japan's economic momentum.
- All three exhibit strong relative performance versus benchmarks, with comparable P/E ratios near 11-12 and attractive dividend yields over 2-4%.
- Recent share buybacks at ING and SAN signal capital returns confidence amid robust Q1 results.
- European banks (ING, SAN) show higher profitability metrics than SMFG in recent quarters.
Introduction
This stock comparison evaluates ING, SAN, and SMFG, three diversified global banks with significant retail, commercial, and wholesale operations. These institutions offer exposure to European and Asian financial markets, where interest rate dynamics, lending growth, and capital management drive performance. Traders seeking momentum plays may focus on recent price trends and buybacks, while long-term investors could assess valuation, profitability like RoTE, and capital buffers such as CET1 ratios. In the current environment of stabilizing rates and economic recovery signals, understanding their relative performance, sector exposure, and market positioning aids informed decision-making in stock comparison analysis.
ING Overview and Recent Performance
ING Groep N.V., headquartered in Amsterdam, is a leading Dutch multinational bank focusing on retail banking in Benelux and Germany, alongside wholesale banking. It serves individuals, SMEs, and corporates with deposits, loans, mortgages, and digital services across Europe and beyond. In recent market activity, ING shares have traded around $30, within a 52-week range of $20.39-$31.18, posting YTD returns of 10.5% and 1-year gains of 52%, outperforming the AEX index. Q1 2026 results showed net profit of €1.56 billion, up on higher fee income and lending growth of €15 billion, with RoTE at 13.6% and four-quarter average of 13.9%. The CET1 ratio stood at 13.0%, supporting a new €1 billion share buyback. Sentiment benefits from robust capital generation and buyback execution, amid steady net interest income (NII, revenue from interest-earning assets minus interest expenses).
SAN Overview and Recent Performance
Banco Santander, S.A., based in Madrid, Spain, operates a global retail and commercial banking network across Europe, the Americas, and digital platforms. It provides deposits, mortgages, consumer finance, corporate lending, and investment banking to diverse clients. Recently, SAN shares hover near $12, in a 52-week range of $7.41-$13.24, with YTD return of 5% and superior 1-year gain of 69%, beating the IBEX 35. Q1 2026 marked record underlying profit of €3.6 billion, revenue up 4% to €15.1 billion on NII and fee growth, efficiency ratio at 42.8%, RoTE of 15.2%, and CET1 at 14.4%. Ongoing share buybacks and customer additions of 8 million bolstered sentiment, despite motor finance provisions. Performance reflects diversified revenue and cost discipline via ONE Transformation program.
SMFG Overview and Recent Performance
Sumitomo Mitsui Financial Group, Inc. (SMFG), Tokyo-based holding company, oversees banking via SMBC, offering retail, corporate, and global financial services in Japan and internationally. Recent weeks saw SMFG shares around $21, 52-week range $14-$24, YTD 10.5% and 1-year 51% returns, trailing Nikkei slightly. Profitability remains solid with ROE around 9-12%, supported by gross profit growth and CET1 near 12.8%. Market sentiment draws from Japan's yield curve control shifts and international expansion, though less quarterly detail emerged recently compared to peers. Balance sheet strength and dividend yield of ~2.6% underpin stability amid Asian growth.
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Head-to-Head Comparison
ING and SAN emphasize European retail/wholesale models with higher RoTE (13-15%) and CET1 (13-14%), contrasting SMFG's Japan-centric diversification and lower ROE (~9-12%). Growth drivers differ: European peers leverage NII from rate stability and fees, while SMFG benefits from yen dynamics. Recent momentum favors SAN (69% 1-yr), but all show strength versus benchmarks. Risks include geopolitical tensions for Europe, Japan yield shifts for SMFG. Valuations align at P/E ~11-12, with ING higher yield (4.2%). Sentiment tilts positive on buybacks, though SAN's scale ($177B cap) offers trade-offs in diversification versus focus.
Tickeron AI Verdict
Tickeron’s AI currently favors SAN for superior trend consistency, highest RoTE (15.2%), elevated CET1 (14.4%), and leading 1-year momentum amid Q1 record profits and buybacks. Relative positioning in global retail banking, with customer growth and efficiency gains, suggests higher probability of outperformance versus ING and SMFG in near-term volatility.
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
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), and SMFG’s FA Score reflects 3 green FA rating(s).
- ING’s FA Score: 3 green, 2 red.
- SAN’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 SAN’s TA Score has 5 bullish TA indicator(s), and SMFG’s TA Score reflects 4 bullish TA indicator(s).
- ING’s TA Score: 6 bullish, 3 bearish.
- SAN’s TA Score: 5 bullish, 3 bearish.
- SMFG’s TA Score: 4 bullish, 4 bearish.
Price Growth
ING (@Major Banks) experienced а +1.67% price change this week, while SAN (@Major Banks) price change was +1.64% , and SMFG (@Major Banks) price fluctuated -0.91% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was -0.37%. For the same industry, the average monthly price growth was +6.60%, and the average quarterly price growth was +15.05%.
Reported Earning Dates
ING is expected to report earnings on Jul 30, 2026.
SAN is expected to report earnings on Jul 22, 2026.
SMFG is expected to report earnings on Jul 30, 2026.
Industries' Descriptions
@Major Banks (-0.37% 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 | SMFG | |
| Capitalization | 91.3B | 194B | 150B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 15.075 | 15.376 | 22.193 |
| P/E Ratio | 12.82 | 13.52 | 16.34 |
| Revenue | 23.1B | 60.5B | 5.79T |
| Total Cash | N/A | N/A | N/A |
| Total Debt | 183B | 329B | 32.55T |
ING | SAN | SMFG | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 26 | 73 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 36 Fair valued | 75 Overvalued | 84 Overvalued | |
PROFIT vs RISK RATING 1..100 | 7 | 6 | 7 | |
SMR RATING 1..100 | 6 | 4 | 1 | |
PRICE GROWTH RATING 1..100 | 42 | 40 | 41 | |
P/E GROWTH RATING 1..100 | 24 | 17 | 27 | |
SEASONALITY SCORE 1..100 | 29 | 65 | 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 SAN (75) in the Major Banks industry, and is somewhat better than the same rating for SMFG (84) in the Major Banks industry. This means that ING's stock grew somewhat faster than SAN’s and somewhat faster than SMFG’s over the last 12 months.
SAN's Profit vs Risk Rating (6) in the Major Banks industry is in the same range as ING (7) in the Financial Conglomerates industry, and is in the same range as SMFG (7) in the Major Banks industry. This means that SAN's stock grew similarly to ING’s and 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 SAN (4) in the Major Banks industry, and is in the same range as ING (6) in the Financial Conglomerates industry. This means that SMFG's stock grew similarly to SAN’s and similarly to ING’s over the last 12 months.
SAN's Price Growth Rating (40) in the Major Banks industry is in the same range as SMFG (41) in the Major Banks industry, and is in the same range as ING (42) in the Financial Conglomerates industry. This means that SAN's stock grew similarly to SMFG’s and similarly to ING’s over the last 12 months.
SAN's P/E Growth Rating (17) in the Major Banks industry is in the same range as ING (24) in the Financial Conglomerates industry, and is in the same range as SMFG (27) in the Major Banks industry. This means that SAN's stock grew similarly to ING’s and similarly to SMFG’s over the last 12 months.
| ING | SAN | SMFG | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 53% | 1 day ago 45% | 1 day ago 42% |
| Stochastic ODDS (%) | 1 day ago 53% | 1 day ago 46% | 1 day ago 42% |
| Momentum ODDS (%) | 1 day ago 74% | 1 day ago 74% | 1 day ago 66% |
| MACD ODDS (%) | 1 day ago 65% | 1 day ago 80% | 1 day ago 38% |
| TrendWeek ODDS (%) | 1 day ago 53% | 1 day ago 53% | 1 day ago 46% |
| TrendMonth ODDS (%) | 1 day ago 68% | 1 day ago 71% | 1 day ago 66% |
| Advances ODDS (%) | 3 days ago 70% | 3 days ago 72% | 7 days ago 70% |
| Declines ODDS (%) | 1 day ago 54% | 1 day ago 54% | 1 day ago 45% |
| BollingerBands ODDS (%) | 1 day ago 77% | 1 day ago 56% | 1 day ago 42% |
| Aroon ODDS (%) | 1 day ago 61% | 1 day ago 71% | 1 day 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% | -1.90% | ||
| SAN - ING | 74% Closely correlated | -1.69% | ||
| BCS - ING | 70% Closely correlated | -1.55% | ||
| HSBC - ING | 69% Closely correlated | -1.82% | ||
| BBVA - ING | 67% Closely correlated | -1.83% | ||
| UBS - ING | 60% Loosely correlated | -1.77% | ||
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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% | -1.69% | ||
| BBVA - SAN | 77% Closely correlated | -1.83% | ||
| ING - SAN | 74% Closely correlated | -1.90% | ||
| BCS - SAN | 72% Closely correlated | -1.55% | ||
| HSBC - SAN | 72% Closely correlated | -1.82% | ||
| UBS - SAN | 61% Loosely correlated | -1.77% | ||
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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 89% 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% | -1.38% | ||
| MUFG - SMFG | 89% Closely correlated | -1.78% | ||
| BCS - SMFG | 54% Loosely correlated | -1.55% | ||
| SAN - SMFG | 53% Loosely correlated | -1.69% | ||
| ING - SMFG | 50% Loosely correlated | -1.90% | ||
| HSBC - SMFG | 48% Loosely correlated | -1.82% | ||
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