ING vs. RF: ING Groep vs. Regions Financial Stock Comparison

November 11, 2026

How do ING Groep (ING) and Regions Financial (RF) 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

ING Groep (ING) and Regions Financial (RF) both belong to the Banks industry, though ING is classified under Diversified Banks while RF falls under Regional Banks.

Regions Financial (RF) 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 ING Groep (ING) and Regions Financial (RF)
Profile Item	ING	RF
Name	ING Groep N.V. Sponsored ADR	Regions Financial Corp.
Country/Region	Netherlands	United States
GICS Sector	Financials	Financials
GICS Industry Group	Banks	Banks
GICS Industry	Banks	Banks
GICS Sub-Industry	Diversified Banks	Regional Banks
Market Capitalization	90.37 billion USD	24.06 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	May 18, 1994	March 17, 1980
Security Type	ADR	Common Stock

Price Performance

Cumulative Growth

ING

GSPC

ING Groep (ING) vs. Regions Financial (RF), 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

Loading price history…

Trailing total returns for ING Groep (ING) and Regions Financial (RF). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…

Calendar-year total returns for ING Groep (ING) and Regions Financial (RF). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for ING Groep (ING) and Regions Financial (RF)
Metric	ING	RF
Total Return (1Y)	34.23%	22.28%
Total Return (3Y, Annualized)	44.65%	30.40%
Total Return (5Y, Annualized)	24.74%	8.09%

Risk Profile

Drawdown History

ING

GSPC

ING Groep (ING) vs. Regions Financial (RF), 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

Loading price history…

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

Risk Metrics

Risk profile metrics for ING Groep (ING) and Regions Financial (RF)
Metric	ING	RF
Volatility (1Y, Annualized)	28.52%	23.37%
Beta (5Y)	0.85	1.00
Max Drawdown (5Y)	-43.39%	-40.99%
Avg. Volume (3M)	2.24M	9.26M

Risk-Adjusted Performance

Risk-Return Positioning

ING and RF 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 ING Groep (ING) and Regions Financial (RF)
Metric	ING	RF
Sharpe Ratio (1Y)	1.05	0.77
Sortino Ratio (1Y)	1.67	1.11

Profitability

ROE (TTM)

ING Groep (ING) at 17.76% sits in the top ROE quartile, while Regions Financial (RF) at 12.38% is closer to the peer norm — stronger capital efficiency for ING.

ING

Banks industry group

17.76%

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

RF

Banks industry group

12.38%

Max: 19.84%
Q3: 13.67%
RF: 12.38%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

ING Groep (ING) vs. Regions Financial (RF): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

Both ING Groep (ING) at 34.40% and Regions Financial (RF) at 31.29% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

ING

Banks industry group

34.40%

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

RF

Banks industry group

31.29%

Max: 47.19%
Q3: 35.25%
RF: 31.29%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

ING Groep (ING) vs. Regions Financial (RF): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for ING Groep (ING) in Banks and Regions Financial (RF) 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 ING Groep (ING) and Regions Financial (RF)
Metric	ING	RF
ROE (TTM)	17.76%	12.38%
ROA (TTM)	0.79%	1.42%
Net Margin (TTM)	34.40%	31.29%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Regions Financial (RF) at 6.25% 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.

ING Groep (ING) vs. Regions Financial (RF): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both ING Groep (ING) at 7.07% and Regions Financial (RF) at 19.17% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

ING Groep (ING) vs. Regions Financial (RF): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for ING Groep (ING) and Regions Financial (RF)
Metric	ING	RF
Revenue Growth (YoY)	1.55%	6.25%
Revenue Growth (3Y CAGR)	6.63%	1.65%
EPS Growth (YoY)	7.07%	19.17%
EPS Growth (3Y CAGR)	28.04%	0.29%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: ING Groep (ING) in Banks and Regions Financial (RF) 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: ING Groep (ING) in Banks and Regions Financial (RF) 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 ING Groep (ING) and Regions Financial (RF)
Metric	ING	RF
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both ING Groep (ING) at 4.55% and Regions Financial (RF) at 3.85% offer top-quartile dividend income relative to share price within their industries.

ING

Banks industry group

4.55%

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

RF

Banks industry group

3.85%

Max: 5.79%
RF: 3.85%
Q3: 3.18%
Median: 2.39%
Q1: 1.20%
Min: 0.00%

ING Groep (ING) vs. Regions Financial (RF): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Both ING Groep (ING) at 48.14% and Regions Financial (RF) at 43.27% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

ING

Banks industry group

48.14%

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

RF

Banks industry group

43.27%

Max: 70.75%
RF: 43.27%
Q3: 41.28%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

ING Groep (ING) vs. Regions Financial (RF): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for ING Groep (ING) and Regions Financial (RF)
Metric	ING	RF
Dividend Yield (TTM)	4.55%	3.85%
Dividend Payout Ratio (TTM)	48.14%	43.27%

Valuation

P/E Ratio (TTM)

Both ING Groep (ING) at 11.70 and Regions Financial (RF) at 11.10 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

ING

Banks industry group

11.70

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

RF

Banks industry group

11.10

Max: 18.16
Q3: 13.75
Median: 11.81
RF: 11.10
Q1: 10.64
Min: 6.49

ING Groep (ING) vs. Regions Financial (RF): 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 ING Groep (ING) in Banks and Regions Financial (RF) 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)

Regions Financial (RF) at 1.46 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.

ING

Banks industry group

1.61

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

RF

Banks industry group

1.46

Max: 2.28
Q3: 1.58
RF: 1.46
Median: 1.32
Q1: 1.10
Min: 0.59

ING Groep (ING) vs. Regions Financial (RF): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for ING Groep (ING) and Regions Financial (RF)
Metric	ING	RF
P/E Ratio (TTM)	11.70	11.10
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.61	1.46
Free Cash Flow Yield (TTM)	--	--