Banco Bilbao Vizcaya Argentaria (BBVA) vs. ING Group (ING)
This page compares Banco Bilbao Vizcaya Argentaria (BBVA) with ING Group (ING) using historical performance, profitability, financial strength, growth, dividend, and valuation metrics.
Company Profile
Banco Bilbao Vizcaya Argentaria (BBVA) and ING Group (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 Bilbao Vizcaya Argentaria (BBVA, ADR) and ING Group (ING, ADR) trade as depositary receipts or similar foreign-share lines; core company financials may still be comparable, but trading line, FX, program fees, dividend withholding, and home-market rules are worth keeping in view.
| Symbol | BBVA | ING |
|---|---|---|
| Company Name | Banco Bilbao Vizcaya Argentaria, S.A. | ING Groep N.V. |
| Country/Region | Spain | Netherlands |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 126.77 billion USD | 87.92 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 1988 | May 18, 1994 |
| Security Type | ADR | ADR |
Historical Performance
Historical Performance at a Glance
| Symbol | BBVA | ING |
|---|---|---|
| 5-Day Price Return | 0.59% | 3.08% |
| 13-Week Price Return | -1.88% | 6.82% |
| 26-Week Price Return | 1.13% | 14.85% |
| 52-Week Price Return | 37.10% | 38.92% |
| Month-to-Date Return | -0.29% | 5.62% |
| Year-to-Date Return | -6.46% | 8.89% |
| 10-Day Avg. Volume | 8.40M | 7.14M |
| 3-Month Avg. Volume | 10.69M | 8.37M |
| 3-Month Volatility | 33.78% | 31.40% |
| Beta | 1.31 | 1.06 |
Profitability
Return on Equity (TTM)
Both Banco Bilbao Vizcaya Argentaria (BBVA) at 18.94% and ING Group (ING) at 19.43% rank in the top quartile for Return on Equity (TTM) among industry peers, indicating strong returns on shareholders’ equity.
BBVA
Banks industry group
18.94%
- Max
- 19.43%
- Q3
- 13.59%
- Median
- 10.42%
- Q1
- 8.86%
- Min
- 4.22%
ING
Banks industry group
19.43%
- Max
- 19.43%
- Q3
- 13.59%
- Median
- 10.42%
- Q1
- 8.86%
- Min
- 4.22%
Net Profit Margin (TTM)
ING Group (ING) at 29.92% posts Net Profit Margin (TTM) around its industry mid-range, while Banco Bilbao Vizcaya Argentaria (BBVA) at 20.73% drops into the bottom quartile.
BBVA
Banks industry group
20.73%
- Max
- 45.10%
- Q3
- 33.38%
- Median
- 28.75%
- Q1
- 23.67%
- Min
- 9.48%
ING
Banks industry group
29.92%
- Max
- 45.10%
- Q3
- 33.38%
- Median
- 28.75%
- Q1
- 23.67%
- Min
- 9.48%
Operating Profit Margin (TTM)
Operating Profit Margin (TTM) isn’t a meaningful figure for either Banco Bilbao Vizcaya Argentaria (BBVA) in Banks or ING Group (ING) in Banks under our convention.
BBVA
Banks industry group
31.24%
- Max
- 59.75%
- Q3
- 42.28%
- Median
- 36.16%
- Q1
- 30.13%
- Min
- 12.28%
ING
Banks industry group
42.36%
- Max
- 59.75%
- Q3
- 42.28%
- Median
- 36.16%
- Q1
- 30.13%
- Min
- 12.28%
Profitability at a Glance
| Symbol | BBVA | ING |
|---|---|---|
| Return on Equity (TTM) | 18.94% | 19.43% |
| Return on Assets (TTM) | 1.29% | 0.89% |
| Net Profit Margin (TTM) | 20.73% | 29.92% |
| Operating Profit Margin (TTM) | 31.24% | 42.36% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
Current Ratio (MRQ) isn’t a meaningful figure for either Banco Bilbao Vizcaya Argentaria (BBVA) in Banks or ING Group (ING) in Banks under our convention.
BBVA
Banks industry group
--
- Max
- 0.20
- Q3
- 0.16
- Median
- 0.13
- Q1
- 0.09
- Min
- 0.06
ING
Banks industry group
--
- Max
- 0.20
- Q3
- 0.16
- Median
- 0.13
- Q1
- 0.09
- Min
- 0.06
Debt-to-Equity Ratio (MRQ)
Debt-to-Equity Ratio (MRQ) isn’t a meaningful figure for either Banco Bilbao Vizcaya Argentaria (BBVA) in Banks or ING Group (ING) in Banks under our convention.
BBVA
Banks industry group
2.12
- Max
- 2.32
- Q3
- 0.99
- Median
- 0.21
- Q1
- 0.10
- Min
- 0.00
ING
Banks industry group
3.60
- Max
- 2.32
- Q3
- 0.99
- Median
- 0.21
- Q1
- 0.10
- Min
- 0.00
Interest Coverage Ratio (TTM)
Interest Coverage Ratio (TTM) isn’t a meaningful figure for either Banco Bilbao Vizcaya Argentaria (BBVA) in Banks or ING Group (ING) in Banks under our convention.
BBVA
Banks industry group
--
- Max
- 1.51
- Q3
- 0.91
- Median
- 0.30
- Q1
- -0.30
- Min
- -0.91
ING
Banks industry group
--
- Max
- 1.51
- Q3
- 0.91
- Median
- 0.30
- Q1
- -0.30
- Min
- -0.91
Financial Strength at a Glance
| Symbol | BBVA | ING |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Quick Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | 2.12 | 3.60 |
| Interest Coverage Ratio (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Symbol | BBVA | ING |
|---|---|---|
| Revenue Growth (MRQ vs Prior YoY) | 58.45% | 20.89% |
| Revenue Growth (TTM vs Prior YoY) | 72.36% | 92.86% |
| 3-Year Revenue CAGR | 4.23% | 0.02% |
| 5-Year Revenue CAGR | 1.42% | -8.37% |
EPS Growth
EPS Growth at a Glance
| Symbol | BBVA | ING |
|---|---|---|
| EPS Growth (MRQ vs Prior YoY) | 11.85% | 13.66% |
| EPS Growth (TTM vs Prior YoY) | 2.78% | 32.98% |
| 3-Year EPS CAGR | 21.20% | 27.80% |
| 5-Year EPS CAGR | 56.29% | 27.15% |
Dividend
Dividend Yield (TTM)
Both Banco Bilbao Vizcaya Argentaria (BBVA) at 3.98% and ING Group (ING) at 5.28% report Dividend Yield (TTM) in the top quartile of industry peers, indicating higher cash yield relative to share price than typical competitors.
BBVA
Banks industry group
3.98%
- Max
- 5.73%
- Q3
- 3.62%
- Median
- 2.88%
- Q1
- 2.06%
- Min
- 0.00%
ING
Banks industry group
5.28%
- Max
- 5.73%
- Q3
- 3.62%
- Median
- 2.88%
- Q1
- 2.06%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Banco Bilbao Vizcaya Argentaria (BBVA) at 79.41% and ING Group (ING) at 61.38% post Dividend Payout Ratio (TTM) outside their industries’ typical mid-range — either leaning toward more retention or more distribution than the industry median.
BBVA
Banks industry group
79.41%
- Max
- 82.25%
- Q3
- 49.73%
- Median
- 36.98%
- Q1
- 27.46%
- Min
- 0.00%
ING
Banks industry group
61.38%
- Max
- 82.25%
- Q3
- 49.73%
- Median
- 36.98%
- Q1
- 27.46%
- Min
- 0.00%
Dividend at a Glance
| Symbol | BBVA | ING |
|---|---|---|
| Dividend Yield (TTM) | 3.98% | 5.28% |
| Dividend Payout Ratio (TTM) | 79.41% | 61.38% |
Valuation
Price-to-Earnings Ratio (TTM)
Both Banco Bilbao Vizcaya Argentaria (BBVA) at 9.76 and ING Group (ING) at 7.61 trade in the lower-multiple quartile for Price-to-Earnings Ratio (TTM) among industry peers, indicating lower trailing earnings multiples than typical peers.
BBVA
Banks industry group
9.76
- Max
- 21.85
- Q3
- 15.07
- Median
- 12.04
- Q1
- 10.51
- Min
- 5.41
ING
Banks industry group
7.61
- Max
- 21.85
- Q3
- 15.07
- Median
- 12.04
- Q1
- 10.51
- Min
- 5.41
Price-to-Sales Ratio (TTM)
Price-to-Sales Ratio (TTM) isn’t a meaningful figure for either Banco Bilbao Vizcaya Argentaria (BBVA) in Banks or ING Group (ING) in Banks under our convention.
BBVA
Banks industry group
1.30
- Max
- 4.88
- Q3
- 3.19
- Median
- 2.36
- Q1
- 1.99
- Min
- 0.52
ING
Banks industry group
1.96
- Max
- 4.88
- Q3
- 3.19
- Median
- 2.36
- Q1
- 1.99
- Min
- 0.52
Price-to-Book Ratio (MRQ)
ING Group (ING) at 1.26 carries typical industry Price-to-Book Ratio (MRQ), while Banco Bilbao Vizcaya Argentaria (BBVA) at 1.85 sits in the higher-multiple quartile — BBVA carries a higher book-value multiple relative to peers.
BBVA
Banks industry group
1.85
- Max
- 2.17
- Q3
- 1.47
- Median
- 1.16
- Q1
- 1.00
- Min
- 0.57
ING
Banks industry group
1.26
- Max
- 2.17
- Q3
- 1.47
- Median
- 1.16
- Q1
- 1.00
- Min
- 0.57
Valuation at a Glance
| Symbol | BBVA | ING |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 9.76 | 7.61 |
| Price-to-Sales Ratio (TTM) | 1.30 | 1.96 |
| Price-to-Book Ratio (MRQ) | 1.85 | 1.26 |
| Price-to-Free Cash Flow Ratio (TTM) | 5.26 | 7.10 |