ING vs BNY
ING and BNY Mellon are examined side by side on this page, with a focus on business models, financial performance, and market context. The analysis is presented in neutral, accessible language to help readers understand how the two organisations operate. Educational content, not financial advice.
ING and BNY Mellon are examined side by side on this page, with a focus on business models, financial performance, and market context. The analysis is presented in neutral, accessible language to help...
Why It's Moving
ING Accelerates Shareholder Returns with Steady Buyback Progress and Imminent Cash Payout.
- Cash dividend of €0.172 per share set for payment on January 15, part of the broader €1.6B shareholder distribution announced last fall.
- Share buyback program hits 43.81% complete as of January 20, with 21 million shares repurchased at an average €22.94, reducing share capital efficiently.
- CET1 ratio stands robust at 13.4% as of late 2025 per recent SREP review, supporting ongoing capital returns without regulatory strain.
BNY Mellon Shines Post-Record Q4 as Investors Eye Digital Momentum and Capital Strength
- Q4 earnings smashed expectations with record revenue, fueled by expanded relationships and efficiency gains from AI initiatives.
- Active share buybacks at recent prices around $119 underscore confidence in undervaluation and long-term growth potential.
- Recent $1.55B senior notes issuance bolsters funding flexibility, aligning with Fitch's view of strong capital distribution ahead in 2026.
ING Accelerates Shareholder Returns with Steady Buyback Progress and Imminent Cash Payout.
- Cash dividend of €0.172 per share set for payment on January 15, part of the broader €1.6B shareholder distribution announced last fall.
- Share buyback program hits 43.81% complete as of January 20, with 21 million shares repurchased at an average €22.94, reducing share capital efficiently.
- CET1 ratio stands robust at 13.4% as of late 2025 per recent SREP review, supporting ongoing capital returns without regulatory strain.
BNY Mellon Shines Post-Record Q4 as Investors Eye Digital Momentum and Capital Strength
- Q4 earnings smashed expectations with record revenue, fueled by expanded relationships and efficiency gains from AI initiatives.
- Active share buybacks at recent prices around $119 underscore confidence in undervaluation and long-term growth potential.
- Recent $1.55B senior notes issuance bolsters funding flexibility, aligning with Fitch's view of strong capital distribution ahead in 2026.
Investment Analysis
ING
ING
Pros
- ING Groep demonstrated strong financial performance in Q3 2025, with significant growth in net interest income and fee income, lifting net profit to €6 billion over the past four quarters.
- The bank upgraded its full-year return on equity outlook to over 12.5%, reflecting improving profitability and operational efficiency.
- ING has launched an AI chatbot across six markets, showing its commitment to technological innovation and sustainable finance volumes increased by 29% year-on-year.
Considerations
- Despite strong performance, ING Groep scores only 2 out of 6 on valuation checks, indicating potential concerns regarding current share price sustainability or overvaluation.
- The European Central Bank’s 2025 Supervisory Review increased ING’s capital requirements, including a higher CET1 and leverage ratio, which may pressure capital allocation and future returns.
- Although the loan book is expanding, there is exposure to economic cyclicality and regulatory risks inherent in European banking regulation and macroeconomic conditions.
BNY
BK
Pros
- BNY Mellon benefits from a diversified business model focused on asset servicing, wealth management, and investment management, reducing reliance on interest rate fluctuations.
- The company holds a strong capital position with prudent risk management practices, enhancing its stability and resilience in volatile market conditions.
- BNY Mellon has consistent revenue streams from fee-based services and is positioned to benefit from growth in global asset management and custody markets.
Considerations
- BNY Mellon faces pressure from low interest rate environments, which can affect net interest income and overall profitability in certain segments.
- The company operates in a highly competitive industry with significant regulatory compliance costs and evolving technological demands.
- Exposure to market volatility and economic cycles can impact fee income and asset valuations, introducing variability in earnings and growth potential.
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ING (ING) Next Earnings Date
ING Groep N.V. will release its next earnings report on January 29, 2026, covering fourth quarter 2025 results. This earnings announcement is scheduled for just three days from today and will be followed by the publication of the full 2025 annual report on February 26, 2026. The company typically reports quarterly results within the first weeks following each quarter end, maintaining a consistent schedule for investor communications.
BNY (BK) Next Earnings Date
The next earnings date for Bank of New York Mellon (BK) is Thursday, April 16, 2026, covering the First Quarter 2026 results. BNY announced this date along with conference call details in their October 31, 2025 press release, with financial results scheduled for release at approximately 6:30 a.m. Eastern time. A live audio webcast will follow at 11:00 a.m. Eastern time.
ING (ING) Next Earnings Date
ING Groep N.V. will release its next earnings report on January 29, 2026, covering fourth quarter 2025 results. This earnings announcement is scheduled for just three days from today and will be followed by the publication of the full 2025 annual report on February 26, 2026. The company typically reports quarterly results within the first weeks following each quarter end, maintaining a consistent schedule for investor communications.
BNY (BK) Next Earnings Date
The next earnings date for Bank of New York Mellon (BK) is Thursday, April 16, 2026, covering the First Quarter 2026 results. BNY announced this date along with conference call details in their October 31, 2025 press release, with financial results scheduled for release at approximately 6:30 a.m. Eastern time. A live audio webcast will follow at 11:00 a.m. Eastern time.
Which Baskets Do They Appear In?
European Financial Consolidation
BNP Paribas's acquisition of AXA Investment Managers could trigger a wave of mergers in European finance. These carefully selected stocks represent potential buyers and targets in banking, insurance, and asset management as the industry reshapes for the future.
Published: July 2, 2025
Explore BasketWhich Baskets Do They Appear In?
European Financial Consolidation
BNP Paribas's acquisition of AXA Investment Managers could trigger a wave of mergers in European finance. These carefully selected stocks represent potential buyers and targets in banking, insurance, and asset management as the industry reshapes for the future.
Published: July 2, 2025
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