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 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.
ITUB Hits New Highs as Investors Gear Up for 4Q25 Earnings Reveal
- Upcoming earnings conference on February 5 features CEO Milton Maluhy and CFO Gabriel Amado de Moura, spotlighting strategy and outlook in a live Q&A.
- Recent bonus shares initiative allows fractional share transfers through February 2, boosting shareholder flexibility and liquidity.
- JPMorgan's upgrade to overweight with a $7.77 target underscores analyst confidence, aligning with ITUB's attractive P/E of 10.51 and resilient loan portfolio.
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.
ITUB Hits New Highs as Investors Gear Up for 4Q25 Earnings Reveal
- Upcoming earnings conference on February 5 features CEO Milton Maluhy and CFO Gabriel Amado de Moura, spotlighting strategy and outlook in a live Q&A.
- Recent bonus shares initiative allows fractional share transfers through February 2, boosting shareholder flexibility and liquidity.
- JPMorgan's upgrade to overweight with a $7.77 target underscores analyst confidence, aligning with ITUB's attractive P/E of 10.51 and resilient loan portfolio.
Investment 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.
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.
Aimee Silverwood | Financial Analyst
July 25, 2025
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.
Aimee Silverwood | Financial Analyst
July 25, 2025
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.
Itaú Unibanco (ITUB) Next Earnings Date
Itaú Unibanco is scheduled to release its 4Q25 earnings report on February 4, 2026, after market hours, with an earnings presentation following on February 5, 2026 at 8:00 a.m. EST. The fourth quarter results will cover the final period of 2025 and represent the company's year-end financial performance. The earnings presentation will feature remarks from CEO Milton Maluhy, CFO Gabriel Amado de Moura, and other senior executives, followed by an interactive Q&A session for investor engagement.
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.
Itaú Unibanco (ITUB) Next Earnings Date
Itaú Unibanco is scheduled to release its 4Q25 earnings report on February 4, 2026, after market hours, with an earnings presentation following on February 5, 2026 at 8:00 a.m. EST. The fourth quarter results will cover the final period of 2025 and represent the company's year-end financial performance. The earnings presentation will feature remarks from CEO Milton Maluhy, CFO Gabriel Amado de Moura, and other senior executives, followed by an interactive Q&A session for investor engagement.
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 BasketBuy ING or ITUB in Nemo
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
ING vs BNY
ING vs BNY: Stock comparison
ING vs Aon
ING vs Aon: Stock comparison
ING vs Barclays
ING vs Barclays