ING vs. WF: ING Groep vs. Woori Financial Stock Comparison

Company Profile

ING Groep (ING) and Woori Financial (WF) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both ING Groep (ING) and Woori Financial (WF) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

ING Groep (ING) trades around 2.24M shares per day on average, while Woori Financial (WF) sees only 85.96K — a volume gap that can matter for position sizing, exit liquidity, and order execution.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

ING Groep (ING) at 17.76% sits in the top ROE quartile, while Woori Financial (WF) at 7.93% is in the bottom quartile, showing a clear gap in returns on equity.

ING Groep (ING) at 34.40% keeps about the industry-typical share of revenue as profit, while Woori Financial (WF) at 27.06% retains only a bottom-quartile share.

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

Profitability Metrics

Growth

Both ING Groep (ING) at 1.55% and Woori Financial (WF) at 5.30% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

ING Groep (ING) at 7.07% is around its peer norm for EPS growth, while Woori Financial (WF) at 2.58% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: ING Groep (ING) in Banks and Woori Financial (WF) 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-to-equity ratio is set aside for both: ING Groep (ING) in Banks and Woori Financial (WF) 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

Dividends

ING Groep (ING) at 4.55% earns its spot in the top quartile of its industry’s yields; Woori Financial (WF) at 1,108.19% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Woori Financial (WF) at 32.85% 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.

Dividend Metrics

Valuation

Woori Financial (WF) at 8.04 sits in the cheaper P/E ratio quartile, while ING Groep (ING) at 11.70 is closer to its industry’s usual earnings multiple — a discount for WF, though growth and earnings durability still matter.

P/S ratio is set aside for both ING Groep (ING) in Banks and Woori Financial (WF) 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.

Woori Financial (WF) at 0.63 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.

Valuation Metrics