Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.
INGBarclays

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.

Why It's Moving

ING

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.
Sentiment:
🐃Bullish
Barclays

Barclays Stock Edges Up as AI Surges Past Macro Worries in 2026 Outlook

  • Bank highlights AI eclipsing macro risks as the top market driver for 2026, signaling robust tech momentum boosting trading and investment banking.
  • Stock up 0.73% to $26.39 last session amid a tight daily range of 26.34-26.39, reflecting controlled optimism.
  • Valuation edge shows P/E at 8.7x versus sector 10.1x and price/book at 0.7x below peers, drawing value hunters in financials.
Sentiment:
🐃Bullish

Investment Analysis

ING

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

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.

Related Market Insights

Europe's Banking Merger Wave: The Consolidation Play That Could Reshape Finance

Explore Europe's banking merger wave. Invest in financial consolidation with Nemo's Neme, featuring Deutsche Bank, UBS, & ING. Start with fractional shares from $1.

Author avatar

Aimee Silverwood | Financial Analyst

July 25, 2025

Read Insight

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.

Barclays (BCS) Next Earnings Date

Barclays PLC (BCS) next earnings release is expected on February 12, 2026. This report will cover the full-year 2025 results, consistent with the company's historical reporting pattern for Q4. Investors should note that the exact date remains unconfirmed by the company, with estimates clustering around February 10-12, 2026 based on prior cycles.

Which Baskets Do They Appear In?

European Financial Consolidation

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 Basket

Buy ING or BCS in Nemo

Nemo Logo Fade
🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Discover More Comparisons

INGBNY

ING vs BNY

ING vs BNY: Stock comparison

INGAon

ING vs Aon

ING vs Aon: Stock comparison

INGItaú Unibanco

ING vs Itaú Unibanco

ING vs Itaú Unibanco

Frequently asked questions