ING vs Barclays
ING Groep N.V. and Barclays PLC are compared on business models, financial performance, and market context, presented in a neutral, accessible way. Educational content, not financial advice.
ING Groep N.V. and Barclays PLC are compared on business models, financial performance, and market context, presented in a neutral, accessible way. Educational content, not financial advice.
Why It's Moving
ING Accelerates €1.1B Share Buyback, Signaling Confidence in Steady Growth.
- Repurchased 1,710,214 shares during December 1-5 at an average €22.64 per share, advancing the program to 22.88% complete with €251.7 million spent so far.
- Total buybacks to date hit 11,382,155 shares at €22.11 average, reducing share capital and potentially lifting earnings per share for investors.
- Program, launched October 30, reflects ING's strong CET1 ratio and commitment to 50% payout of resilient net profit, aligning with ECB guidelines.
Barclays wraps £1bn buyback and launches fresh £500m repurchase, fueling stock's 52-week high surge.
- Completed £1bn HY 2025 buyback by repurchasing 262m shares at an average 381.5p, reducing issued capital to 13.9bn shares and boosting per-share metrics.
- Launched Q3 2025 programme on track for up to £500m in buybacks, with 1.17bn shares eligible, underscoring robust balance sheet strength.
- Stock gained 1.57% to $24.19 on Dec 11 after touching 52-week high of $23.58, riding financial sector tailwinds.
ING Accelerates €1.1B Share Buyback, Signaling Confidence in Steady Growth.
- Repurchased 1,710,214 shares during December 1-5 at an average €22.64 per share, advancing the program to 22.88% complete with €251.7 million spent so far.
- Total buybacks to date hit 11,382,155 shares at €22.11 average, reducing share capital and potentially lifting earnings per share for investors.
- Program, launched October 30, reflects ING's strong CET1 ratio and commitment to 50% payout of resilient net profit, aligning with ECB guidelines.
Barclays wraps £1bn buyback and launches fresh £500m repurchase, fueling stock's 52-week high surge.
- Completed £1bn HY 2025 buyback by repurchasing 262m shares at an average 381.5p, reducing issued capital to 13.9bn shares and boosting per-share metrics.
- Launched Q3 2025 programme on track for up to £500m in buybacks, with 1.17bn shares eligible, underscoring robust balance sheet strength.
- Stock gained 1.57% to $24.19 on Dec 11 after touching 52-week high of $23.58, riding financial sector tailwinds.
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 net interest and fee income, with a rolling average return on equity of 12.6% in 2025.
- The bank launched a generative AI chatbot across six markets, demonstrating a commitment to digital innovation and operational efficiency.
- ING maintains a robust capital position, with a CET1 ratio of 13.4% and leverage ratio of 4.4%, both well above regulatory requirements.
Considerations
- ING's share price has surged over 50% in 2025, raising concerns about valuation as traditional metrics suggest limited upside potential.
- The bank faces increased regulatory capital requirements, with the fully loaded CET1 requirement rising to 11.00% from 2026.
- Operating expenses, while controlled, remain under pressure as the bank invests in technology and digital transformation.
Barclays
BCS
Pros
- Barclays delivered resilient profitability in 2025, supported by strong performance in its investment banking and wealth management divisions.
- The bank has maintained a disciplined approach to capital allocation, with a CET1 ratio above regulatory minimums and regular shareholder distributions.
- Barclays has made progress in simplifying its business model, focusing on core UK and US operations to improve efficiency and risk management.
Considerations
- Barclays remains exposed to volatile global markets, particularly in investment banking, which can lead to earnings fluctuations.
- The bank faces ongoing regulatory scrutiny and compliance costs, especially in its international operations and conduct risk areas.
- Barclays' share price has underperformed sector peers in 2025, reflecting investor concerns about growth prospects and competitive pressures.
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