Verdict: Side-by-side breakdown using the Bull Rankings model. ING scored 71.0, BBVA scored 71.0 — tied at the top.
Compare another set
Different reporting periods. ING's fundamentals are as of June 2026, but BBVA's are as of December 2025 — a 6-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
ING
ING Groep N.V.
Banks - Diversified · Financial strength
74.3Fin
$33.63 · $95.0B
fundamentals as of
Strength gap
2.3
ING leads
BBVA
Banco Bilbao Vizcaya Argentaria, S.A.
Banks - Diversified · Financial strength
72Fin
$26.43 · $145.4B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestBBVA12.1x
Fastest growthING+1.5%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
ING
BBVA
+1.5%C
Rev
+0.5%C
12.6xB
P/E
12.1xB
17.1%B+
ROE
18.9%B+
1.67B
P/B
2.29C+
4.0%B+
Yield
4.1%B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
INGING Groep N.V.
Banks - Diversified · $33.63 · beta 0.91
Why now
Banks - Diversified · market cap $95.0b. 10% off the 52-week high of $37.52. 3 sell-side analysts rate this a Hold with a mean 1-yr target of $36.50 (implying +9% upside).
Moat
Net margin 34% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 17% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. $95.0b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
BBVABanco Bilbao Vizcaya Argentaria, S.A.
Banks - Diversified · $26.43 · beta 0.90
Why now
Banks - Diversified · market cap $145.4b. 11% off the 52-week high of $29.64. 3 sell-side analysts rate this a Hold with a mean 1-yr target of $27.53 (implying +4% upside).
Moat
Net margin 33% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 19% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. $145.4b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Duration mismatch — the asset and liability books reprice on different schedules; a rapid move in rates either direction can compress net interest margin before management can reposition.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is ING or BBVA the better stock?
On the Bull Rankings quality-growth score they are level: ING and BBVA both score 71.0 out of 100. The score blends business quality, growth and valuation into one number, so a tie means the model sees no meaningful edge either way — the pillar breakdown on this page shows where each is actually stronger.
How are ING and BBVA scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.