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ING vs PNC

ING
ING Groep N.V.
NEUTRAL
Price
$28.10
Market Cap
$80.74B
Sector
Financial Services
AI Confidence
85%
PNC
The PNC Financial Services Group, Inc.
NEUTRAL
Price
$209.88
Market Cap
$84.86B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ING
11.33
PNC
12.66
Forward P/E
ING
9.06
PNC
10.17
P/B Ratio
ING
1.29
PNC
1.49
P/S Ratio
ING
3.3
PNC
3.8
EV/EBITDA
ING
--
PNC
--

Profitability

Gross Margin
ING
0.0%
PNC
0.0%
Operating Margin
ING
62.82%
PNC
39.26%
Profit Margin
ING
34.03%
PNC
31.08%
ROE
ING
15.77%
PNC
12.16%
ROA
ING
0.83%
PNC
1.23%

Growth

Revenue Growth
ING
118.2%
PNC
9.6%
Earnings Growth
ING
3977.7%
PNC
29.1%

Financial Health

Debt/Equity
ING
--
PNC
--
Current Ratio
ING
--
PNC
--
Quick Ratio
ING
--
PNC
--

Dividends

Dividend Yield
ING
4.5%
PNC
3.27%
Payout Ratio
ING
49.56%
PNC
39.78%

AI Verdict

ING NEUTRAL

ING presents a stark contrast between deep value and deteriorating fundamental health. While the stock trades significantly below its Graham Number ($34.91) and Intrinsic Value ($73.16), the Piotroski F-Score of 2/9 indicates weak financial health and operational deterioration. Despite anomalous YoY growth figures and a strong dividend profile, the bearish technical trend (0/100) and low insider sentiment suggest caution. The valuation is attractive, but the fundamental health score acts as a significant drag on a bullish rating.

Strengths
Trading at a discount to Graham Number ($34.91) and Intrinsic Value ($73.16)
Strong dividend yield of 4.50% with a sustainable payout ratio of 49.56%
Low Forward P/E of 9.06 suggesting attractive earnings pricing
Risks
Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Bearish technical trend (0/100) suggesting strong downward momentum
Low insider sentiment (40/100) indicating lack of internal confidence
PNC NEUTRAL

PNC shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 12.7
Strong profitability (31.1% margin)
Risks
Weak financial trend (Piotroski F-Score: 3/9)

Compare Another Pair

ING vs PNC: Head-to-Head Comparison

This page compares ING Groep N.V. (ING) and The PNC Financial Services Group, Inc. (PNC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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