ING vs. WTFC: ING Groep vs. Wintrust Financial Stock Comparison

Company Profile

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

Wintrust Financial (WTFC) 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.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

ING Groep (ING) at 17.76% sits in the top ROE quartile, while Wintrust Financial (WTFC) at 12.88% is closer to the peer norm — stronger capital efficiency for ING.

Both ING Groep (ING) at 34.40% and Wintrust Financial (WTFC) at 32.81% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

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

Profitability Metrics

Growth

Wintrust Financial (WTFC) at 11.23% 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.

Both ING Groep (ING) at 7.07% and Wintrust Financial (WTFC) at 10.57% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: ING Groep (ING) in Banks and Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) 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% delivers top-quartile income for its industry, while Wintrust Financial (WTFC) at 1.42% pays a more typical yield — both are credible income propositions, ING the richer one.

Wintrust Financial (WTFC) at 16.49% retains more earnings than its industry usually does; ING Groep (ING) at 48.14% distributes an above-typical share — opposite departures from the band, with the risk sitting on ING’s side.

Dividend Metrics

Valuation

Both ING Groep (ING) at 11.70 and Wintrust Financial (WTFC) at 11.60 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

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

Wintrust Financial (WTFC) at 1.49 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.

Valuation Metrics