ING vs. MA: A Head-to-Head Stock Comparison

Updated on August 21, 2025

Here’s a clear look at ING and MA, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

ING trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, MA is a standard domestic listing.

Symbol	ING	MA
Company Name	ING Groep N.V.	Mastercard Incorporated
Country	Netherlands	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Financial Services
Market Capitalization	73.34 billion USD	522.43 billion USD
Exchange	NYSE	NYSE
Listing Date	May 18, 1994	May 25, 2006
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of ING and MA by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

ING vs. MA: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	ING	MA
5-Day Price Return	5.12%	2.97%
13-Week Price Return	10.62%	-0.06%
26-Week Price Return	30.79%	1.89%
52-Week Price Return	32.69%	26.82%
Month-to-Date Return	1.93%	2.02%
Year-to-Date Return	38.04%	9.75%
10-Day Avg. Volume	8.38M	2.89M
3-Month Avg. Volume	9.52M	2.85M
3-Month Volatility	19.58%	21.86%
Beta	1.08	0.99

Profitability

Return on Equity (TTM)

ING

18.77%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

In the upper quartile for the Banks industry, ING’s Return on Equity of 18.77% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

MA

191.02%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

MA’s Return on Equity of 191.02% is exceptionally high, placing it well beyond the typical range for the Financial Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

ING vs. MA: A comparison of their Return on Equity (TTM) against their respective Banks and Financial Services industry benchmarks.

Net Profit Margin (TTM)

ING

29.92%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

ING’s Net Profit Margin of 29.92% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

MA

44.93%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

A Net Profit Margin of 44.93% places MA in the upper quartile for the Financial Services industry, signifying strong profitability and more effective cost management than most of its peers.

ING vs. MA: A comparison of their Net Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

ING

42.36%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

ING’s Operating Profit Margin of 42.36% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

MA

55.78%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

An Operating Profit Margin of 55.78% places MA in the upper quartile for the Financial Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

ING vs. MA: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	ING	MA
Return on Equity (TTM)	18.77%	191.02%
Return on Assets (TTM)	0.90%	27.84%
Net Profit Margin (TTM)	29.92%	44.93%
Operating Profit Margin (TTM)	42.36%	55.78%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

ING

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MA

1.16

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ING vs. MA: A comparison of their Current Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

ING

3.41

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

MA

2.42

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

ING vs. MA: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

ING

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

MA

37.93

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

ING vs. MA: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Financial Strength at a Glance

Symbol	ING	MA
Current Ratio (MRQ)	--	1.16
Quick Ratio (MRQ)	--	1.16
Debt-to-Equity Ratio (MRQ)	3.41	2.42
Interest Coverage Ratio (TTM)	--	37.93

Growth

Revenue Growth

ING vs. MA: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

ING vs. MA: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

ING

6.48%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

With a Dividend Yield of 6.48%, ING offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.

MA

0.50%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

MA’s Dividend Yield of 0.50% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

ING vs. MA: A comparison of their Dividend Yield (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

ING

65.42%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

ING’s Dividend Payout Ratio of 65.42% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

MA

19.15%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

MA’s Dividend Payout Ratio of 19.15% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

ING vs. MA: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend at a Glance

Symbol	ING	MA
Dividend Yield (TTM)	6.48%	0.50%
Dividend Payout Ratio (TTM)	65.42%	19.15%

Valuation

Price-to-Earnings Ratio (TTM)

ING

6.55

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

In the lower quartile for the Banks industry, ING’s P/E Ratio of 6.55 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

MA

38.51

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

A P/E Ratio of 38.51 places MA in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

ING vs. MA: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

ING

1.96

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

MA

17.30

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

ING vs. MA: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

ING

1.19

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

ING’s P/B Ratio of 1.19 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

MA

64.98

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

At 64.98, MA’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

ING vs. MA: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Valuation at a Glance

Symbol	ING	MA
Price-to-Earnings Ratio (TTM)	6.55	38.51
Price-to-Sales Ratio (TTM)	1.96	17.30
Price-to-Book Ratio (MRQ)	1.19	64.98
Price-to-Free Cash Flow Ratio (TTM)	6.00	32.97