ING vs PNC
This page compares ING Groep N.V. and PNC Financial Services Group, Inc., focusing on business models, financial performance, and market context in a neutral and accessible way. The comparison highlights how each organisation positions itself within its sector. Educational content, not financial advice.
This page compares ING Groep N.V. and PNC Financial Services Group, Inc., focusing on business models, financial performance, and market context in a neutral and accessible way. The comparison highlig...
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.
PNC Powers Into 2026 with Debt Redemption and Stellar Earnings Momentum.
- Q4 2025 delivered $7.0 billion full-year net income and $16.59 diluted EPS, generating record revenue with 5% positive operating leverage to kick off the year strong.
- Completed FirstBank acquisition on January 5, expanding into high-growth Colorado and Arizona markets to boost strategic footprint and client relationships.
- Proactive redemption of $1.25 billion 4.758% notes today at par eliminates near-term debt maturities, freeing up capital for growth initiatives.
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.
PNC Powers Into 2026 with Debt Redemption and Stellar Earnings Momentum.
- Q4 2025 delivered $7.0 billion full-year net income and $16.59 diluted EPS, generating record revenue with 5% positive operating leverage to kick off the year strong.
- Completed FirstBank acquisition on January 5, expanding into high-growth Colorado and Arizona markets to boost strategic footprint and client relationships.
- Proactive redemption of $1.25 billion 4.758% notes today at par eliminates near-term debt maturities, freeing up capital for growth initiatives.
Investment Analysis
ING
ING
Pros
- ING demonstrates consistent profitability with a net profit margin above 25%, reflecting strong operational efficiency.
- The bank maintains robust capital ratios, including a CET1 ratio of 13.4% and leverage ratio of 4.4%, well above regulatory requirements.
- ING's return on equity exceeds its cost of equity by a healthy margin, indicating effective value creation for shareholders.
Considerations
- Recent forecasts predict a price decline of around 7% by December 2025, indicating potential near-term downside risk.
- The bank faces currency headwinds due to euro strength, which could pressure earnings and international revenue growth.
- ING operates in a highly regulated environment with increasing capital requirements, potentially constraining future profitability.
PNC
PNC
Pros
- PNC Financial Services Group benefits from a diversified banking franchise across retail, corporate, and asset management segments.
- The company has demonstrated steady earnings growth and strong credit quality, supporting long-term financial stability.
- PNC's balance sheet remains solid with ample liquidity and capital buffers to withstand economic fluctuations.
Considerations
- PNC is exposed to macroeconomic volatility, including interest rate fluctuations and credit cycle risks impacting net interest margins.
- The bank faces intensified competition in key markets, which could pressure margins and client acquisition costs.
- Ongoing regulatory compliance demands may increase operational costs and limit strategic flexibility.
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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.
PNC (PNC) Next Earnings Date
PNC Financial Services Group's next earnings release is scheduled for Friday, January 15, 2027, covering the fourth quarter of 2026. This follows their official announcement of quarterly dates, with pre-market issuance and a conference call at 10 a.m. ET. Q1 2026 results are set for April 15, 2026, providing the subsequent reporting milestone.
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.
PNC (PNC) Next Earnings Date
PNC Financial Services Group's next earnings release is scheduled for Friday, January 15, 2027, covering the fourth quarter of 2026. This follows their official announcement of quarterly dates, with pre-market issuance and a conference call at 10 a.m. ET. Q1 2026 results are set for April 15, 2026, providing the subsequent reporting milestone.
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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