ING Group NV ADR (ING)vsWells Fargo & Company (WFC)
ING
ING Group NV ADR
$25.75
+2.39%
FINANCIAL SERVICES · Cap: $73.59B
WFC
Wells Fargo & Company
$80.26
+0.82%
FINANCIAL SERVICES · Cap: $245.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 227% more annual revenue ($80.04B vs $24.46B). ING leads profitability with a 34.0% profit margin vs 26.7%. ING appears more attractively valued with a PEG of 1.45. ING earns a higher WallStSmart Score of 81/100 (A-).
ING
Exceptional Buy81
out of 100
Grade: A-
WFC
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.5%
Fair Value
$113.72
Current Price
$25.75
$87.97 discount
Margin of Safety
+53.8%
Fair Value
$173.78
Current Price
$80.26
$93.52 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 62.8%
Revenue surging 118.2% year-over-year
Large-cap with strong market position
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.9%
Generating 4.1B in free cash flow
Areas to Watch
Weak financial health signals
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ING
The strongest argument for ING centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 34.0% and operating margin at 62.8%. Revenue growth of 118.2% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.9%.
Bear Case : ING
The primary concerns for ING are Piotroski F-Score, Debt/Equity. Debt-to-equity of 3.41 is elevated, increasing financial risk.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ING profiles as a growth stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 1.07 — expect wider price swings.
ING is growing revenue faster at 118.2% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ING scores higher overall (81/100 vs 72/100), backed by strong 34.0% margins and 118.2% revenue growth. WFC offers better value entry with a 53.8% margin of safety. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
ING Group NV ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
ING Groep NV, a financial institution, offers various banking products and services to individuals, small and medium-sized businesses and medium-sized businesses. The company is headquartered in Amsterdam, the Netherlands.
Visit Website →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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