BAC vs. ING: Bank of America vs. ING Groep Stock Comparison

November 11, 2026

How do Bank of America (BAC) and ING Groep (ING) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Bank of America (BAC) and ING Groep (ING) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Bank of America (BAC) trades as ordinary local shares, while ING Groep (ING) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for Bank of America (BAC) and ING Groep (ING)
Profile Item	BAC	ING
Name	Bank of America Corporation	ING Groep N.V. Sponsored ADR
Country/Region	United States	Netherlands
GICS Sector	Financials	Financials
GICS Industry Group	Banks	Banks
GICS Industry	Banks	Banks
GICS Sub-Industry	Diversified Banks	Diversified Banks
Market Capitalization	341.01 billion USD	90.37 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	February 21, 1973	May 18, 1994
Security Type	Common Stock	ADR

Price Performance

Cumulative Growth

BAC

ING

GSPC

Bank of America (BAC) vs. ING Groep (ING), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Bank of America (BAC) and ING Groep (ING). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Bank of America (BAC) and ING Groep (ING). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Bank of America (BAC) and ING Groep (ING)
Metric	BAC	ING
Total Return (1Y)	-2.73%	34.23%
Total Return (3Y, Annualized)	25.52%	44.65%
Total Return (5Y, Annualized)	4.08%	24.74%

Risk Profile

Drawdown History

BAC

ING

GSPC

Bank of America (BAC) vs. ING Groep (ING), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Bank of America (BAC) and ING Groep (ING). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Bank of America (BAC) and ING Groep (ING)
Metric	BAC	ING
Volatility (1Y, Annualized)	22.49%	28.52%
Beta (5Y)	1.18	0.85
Max Drawdown (5Y)	-46.64%	-43.39%
Avg. Volume (3M)	37.08M	2.24M

Risk-Adjusted Performance

Risk-Return Positioning

BAC and ING are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Bank of America (BAC) and ING Groep (ING)
Metric	BAC	ING
Sharpe Ratio (1Y)	-0.31	1.05
Sortino Ratio (1Y)	-0.41	1.67

Profitability

ROE (TTM)

ING Groep (ING) at 17.76% sits in the top ROE quartile, while Bank of America (BAC) at 10.73% is closer to the peer norm — stronger capital efficiency for ING.

BAC

Banks industry group

10.73%

Max: 19.84%
Q3: 13.67%
Median: 11.49%
BAC: 10.73%
Q1: 9.50%
Min: 3.64%

ING

Banks industry group

17.76%

Max: 19.84%
ING: 17.76%
Q3: 13.67%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

Bank of America (BAC) vs. ING Groep (ING): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

Both Bank of America (BAC) at 28.06% and ING Groep (ING) at 34.40% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

BAC

Banks industry group

28.06%

Max: 47.19%
Q3: 35.25%
Median: 31.21%
BAC: 28.06%
Q1: 27.11%
Min: 14.93%

ING

Banks industry group

34.40%

Max: 47.19%
Q3: 35.25%
ING: 34.40%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

Bank of America (BAC) vs. ING Groep (ING): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and ING Groep (ING) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Bank of America (BAC) and ING Groep (ING)
Metric	BAC	ING
ROE (TTM)	10.73%	17.76%
ROA (TTM)	0.94%	0.79%
Net Margin (TTM)	28.06%	34.40%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Bank of America (BAC) at 6.84% is around its peer norm for revenue growth, while ING Groep (ING) at 1.55% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Bank of America (BAC) vs. ING Groep (ING): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Bank of America (BAC) at 18.69% and ING Groep (ING) at 7.07% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Bank of America (BAC) vs. ING Groep (ING): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Bank of America (BAC) and ING Groep (ING)
Metric	BAC	ING
Revenue Growth (YoY)	6.84%	1.55%
Revenue Growth (3Y CAGR)	6.00%	6.63%
EPS Growth (YoY)	18.69%	7.07%
EPS Growth (3Y CAGR)	6.10%	28.04%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and ING Groep (ING) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Bank of America (BAC) in Banks and ING Groep (ING) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Bank of America (BAC) and ING Groep (ING)
Metric	BAC	ING
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

ING Groep (ING) at 4.55% delivers top-quartile income for its industry, while Bank of America (BAC) at 2.33% pays a more typical yield — both are credible income propositions, ING the richer one.

BAC

Banks industry group

2.33%

Max: 5.79%
Q3: 3.18%
Median: 2.39%
BAC: 2.33%
Q1: 1.20%
Min: 0.00%

ING

Banks industry group

4.55%

Max: 5.79%
ING: 4.55%
Q3: 3.18%
Median: 2.39%
Q1: 1.20%
Min: 0.00%

Bank of America (BAC) vs. ING Groep (ING): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Bank of America (BAC) at 27.62% pays out a band-typical share of earnings, while ING Groep (ING) at 48.14% distributes more than its industry norm — less retained, thinner cover.

BAC

Banks industry group

27.62%

Max: 70.75%
Q3: 41.28%
Median: 29.26%
BAC: 27.62%
Q1: 18.98%
Min: 0.00%

ING

Banks industry group

48.14%

Max: 70.75%
ING: 48.14%
Q3: 41.28%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

Bank of America (BAC) vs. ING Groep (ING): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for Bank of America (BAC) and ING Groep (ING)
Metric	BAC	ING
Dividend Yield (TTM)	2.33%	4.55%
Dividend Payout Ratio (TTM)	27.62%	48.14%

Valuation

P/E Ratio (TTM)

Both Bank of America (BAC) at 11.79 and ING Groep (ING) at 11.70 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

BAC

Banks industry group

11.79

Max: 18.16
Q3: 13.75
Median: 11.81
BAC: 11.79
Q1: 10.64
Min: 6.49

ING

Banks industry group

11.70

Max: 18.16
Q3: 13.75
Median: 11.81
ING: 11.70
Q1: 10.64
Min: 6.49

Bank of America (BAC) vs. ING Groep (ING): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both Bank of America (BAC) in Banks and ING Groep (ING) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

P/B Ratio (MRQ)

Bank of America (BAC) at 1.26 is valued about in line with its industry on P/B ratio, while ING Groep (ING) at 1.61 carries an above-peer premium to book — ING is pricier on assets.

BAC

Banks industry group

1.26

Max: 2.28
Q3: 1.58
Median: 1.32
BAC: 1.26
Q1: 1.10
Min: 0.59

ING

Banks industry group

1.61

Max: 2.28
ING: 1.61
Q3: 1.58
Median: 1.32
Q1: 1.10
Min: 0.59

Bank of America (BAC) vs. ING Groep (ING): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for Bank of America (BAC) and ING Groep (ING)
Metric	BAC	ING
P/E Ratio (TTM)	11.79	11.70
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.26	1.61
Free Cash Flow Yield (TTM)	--	--