ING vs Itaú Unibanco
This page compares ING Groep N.V. and Itaú Unibanco Holding S.A. across business models, financial performance, and market context, presenting neutral, accessible insights to help understanding of each institution’s approach and position. Educational content, not financial advice.
This page compares ING Groep N.V. and Itaú Unibanco Holding S.A. across business models, financial performance, and market context, presenting neutral, accessible insights to help understanding of eac...
Why It's Moving
ING wraps up €2B buyback and launches fresh €1.6B shareholder payout, boosting investor appeal.
- Buyback delivered at effective average price of €19.76, with new €1.1B repurchase starting October 30, 2025, and €0.5B cash payout set for January 15, 2026.
- Distribution to trim CET1 ratio by ~48 bps toward 13% target, maintaining buffers over ECB's 11% fully-loaded requirement including recent SREP hike.
- ECB greenlights program under Market Abuse rules; analysts maintain 'Buy' rating amid solid Q3 EPS beat and 26.94% net margins.
Itaú Unibanco gears up for key ex-dividend date and bonus shares amid steady dividend commitments.
- Ex-dividend date hits January 5, 2026, for a $0.00326 special dividend, reinforcing the bank's appeal to income-focused investors.
- 2026 interest on capital schedule kicks off February 2 for periods ending late 2025, maintaining consistent monthly payouts.
- Bonus shares rollout lets holders trade fractions from January 2 to February 2, boosting liquidity and accessibility.
ING wraps up €2B buyback and launches fresh €1.6B shareholder payout, boosting investor appeal.
- Buyback delivered at effective average price of €19.76, with new €1.1B repurchase starting October 30, 2025, and €0.5B cash payout set for January 15, 2026.
- Distribution to trim CET1 ratio by ~48 bps toward 13% target, maintaining buffers over ECB's 11% fully-loaded requirement including recent SREP hike.
- ECB greenlights program under Market Abuse rules; analysts maintain 'Buy' rating amid solid Q3 EPS beat and 26.94% net margins.
Itaú Unibanco gears up for key ex-dividend date and bonus shares amid steady dividend commitments.
- Ex-dividend date hits January 5, 2026, for a $0.00326 special dividend, reinforcing the bank's appeal to income-focused investors.
- 2026 interest on capital schedule kicks off February 2 for periods ending late 2025, maintaining consistent monthly payouts.
- Bonus shares rollout lets holders trade fractions from January 2 to February 2, boosting liquidity and accessibility.
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
Explore BasketInvestment Analysis
ING
ING
Pros
- ING Groep reported strong growth in fee income and customer lending in Q3 2025, supporting profitability.
- The bank maintains a resilient commercial net interest income and a robust CET1 capital ratio of 13.4%.
- ING's disciplined capital management and controlled operating expenses contribute to stable risk costs.
Considerations
- A significant portion of ING's revenue comes from net interest income, making it sensitive to ECB rate cuts.
- Net income weakened in Q1 2025, reflecting ongoing sector-wide pressures on European banks.
- Analysts forecast a potential share price decline in late 2025, indicating near-term market caution.
Itaú Unibanco
ITUB
Pros
- Itaú Unibanco reported a healthy profit margin of 12.11% in 2024, reflecting strong operational efficiency.
- The bank offers a high dividend yield, providing attractive income for investors.
- Itaú Unibanco maintains a diversified business model across retail, wholesale, and market activities in Brazil.
Considerations
- The company's financial performance is closely tied to the Brazilian economy, exposing it to local macro risks.
- Analyst price targets suggest limited upside potential in the near term.
- Itaú Unibanco's P/E ratio is higher than some regional peers, which may constrain valuation expansion.
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