BBD vs. ING: Banco Bradesco vs. ING Groep Stock Comparison
How do Banco Bradesco (BBD) 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
Banco Bradesco (BBD) 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.
Both Banco Bradesco (BBD) and ING Groep (ING) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.
| Profile Item | BBD | ING |
|---|---|---|
| Name | Banco Bradesco S.A. ADR | ING Groep N.V. Sponsored ADR |
| Country/Region | Brazil | Netherlands |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 28.39 billion USD | 90.37 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | August 2, 2002 | May 18, 1994 |
| Security Type | ADR | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BBD | ING |
|---|---|---|
| Total Return (1Y) | -20.95% | 34.23% |
| Total Return (3Y, Annualized) | 2.33% | 44.65% |
| Total Return (5Y, Annualized) | 0.81% | 24.74% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BBD | ING |
|---|---|---|
| Volatility (1Y, Annualized) | 49.48% | 28.52% |
| Beta (5Y) | 0.64 | 0.85 |
| Max Drawdown (5Y) | -52.00% | -43.39% |
| Avg. Volume (3M) | 43.85M | 2.24M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BBD | ING |
|---|---|---|
| Sharpe Ratio (1Y) | -0.51 | 1.05 |
| Sortino Ratio (1Y) | -0.67 | 1.67 |
Profitability
ROE (TTM)
Both Banco Bradesco (BBD) at 14.20% and ING Groep (ING) at 17.76% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
BBD
Banks industry group
14.20%
- Max
- 19.84%
- BBD
- 14.20%
- Q3
- 13.67%
- Median
- 11.49%
- 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%
Net Margin (TTM)
Both Banco Bradesco (BBD) at 27.27% 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.
BBD
Banks industry group
27.27%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- BBD
- 27.27%
- 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%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Banco Bradesco (BBD) 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
| Metric | BBD | ING |
|---|---|---|
| ROE (TTM) | 14.20% | 17.76% |
| ROA (TTM) | 1.12% | 0.79% |
| Net Margin (TTM) | 27.27% | 34.40% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Banco Bradesco (BBD) at 11.85% 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.
EPS Growth
Banco Bradesco (BBD) at 37.42% sits in the top EPS growth quartile, while ING Groep (ING) at 7.07% is closer to the peer norm — faster per-share earnings growth for BBD.
Growth Metrics
| Metric | BBD | ING |
|---|---|---|
| Revenue Growth (YoY) | 11.85% | 1.55% |
| Revenue Growth (3Y CAGR) | 2.67% | 6.63% |
| EPS Growth (YoY) | 37.42% | 7.07% |
| EPS Growth (3Y CAGR) | 4.44% | 28.04% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Banco Bradesco (BBD) 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: Banco Bradesco (BBD) 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
| Metric | BBD | ING |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
ING Groep (ING) at 4.55% earns its spot in the top quartile of its industry’s yields; Banco Bradesco (BBD) at 53.03% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.
BBD
Banks industry group
53.03%
- BBD
- 53.03%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- 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%
Dividend Payout Ratio (TTM)
Both Banco Bradesco (BBD) at 53.52% and ING Groep (ING) at 48.14% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.
BBD
Banks industry group
53.52%
- Max
- 70.75%
- BBD
- 53.52%
- Q3
- 41.28%
- Median
- 29.26%
- 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%
Dividend Metrics
| Metric | BBD | ING |
|---|---|---|
| Dividend Yield (TTM) | 53.03% | 4.55% |
| Dividend Payout Ratio (TTM) | 53.52% | 48.14% |
Valuation
P/E Ratio (TTM)
Banco Bradesco (BBD) at 5.64 trades below its industry P/E ratio range, while ING Groep (ING) at 11.70 is closer to a normal peer multiple — a clearer earnings-valuation discount for BBD, subject to growth and earnings quality.
BBD
Banks industry group
5.64
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
- BBD
- 5.64
ING
Banks industry group
11.70
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- ING
- 11.70
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Banco Bradesco (BBD) 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)
Banco Bradesco (BBD) at 0.69 looks cheap against book in the lower P/B ratio quartile, while ING Groep (ING) at 1.61 carries a premium in the upper quartile — a clear price-to-book gap.
BBD
Banks industry group
0.69
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- BBD
- 0.69
- 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
Valuation Metrics
| Metric | BBD | ING |
|---|---|---|
| P/E Ratio (TTM) | 5.64 | 11.70 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 0.69 | 1.61 |
| Free Cash Flow Yield (TTM) | -- | -- |