Head to Head Comparison: Bankinter (OTCMKTS:BKNIY) & ING Group (NYSE:ING)
by Amy Steele · The Cerbat GemBankinter (OTCMKTS:BKNIY – Get Free Report) and ING Group (NYSE:ING – Get Free Report) are both large-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, dividends, profitability, valuation, institutional ownership, earnings and analyst recommendations.
Analyst Recommendations
This is a breakdown of current recommendations and price targets for Bankinter and ING Group, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bankinter | 1 | 5 | 1 | 0 | 2.00 |
| ING Group | 0 | 3 | 4 | 2 | 2.89 |
Profitability
This table compares Bankinter and ING Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bankinter | 23.00% | 17.47% | 0.85% |
| ING Group | 27.50% | 12.05% | 0.59% |
Dividends
Bankinter pays an annual dividend of $0.33 per share and has a dividend yield of 1.9%. ING Group pays an annual dividend of $0.69 per share and has a dividend yield of 2.4%. Bankinter pays out 24.4% of its earnings in the form of a dividend. ING Group pays out 28.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
Institutional and Insider Ownership
4.5% of ING Group shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares Bankinter and ING Group”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bankinter | $5.27 billion | 2.96 | $1.23 billion | $1.35 | 12.84 |
| ING Group | $26.06 billion | 3.21 | $9.42 billion | $2.39 | 12.01 |
ING Group has higher revenue and earnings than Bankinter. ING Group is trading at a lower price-to-earnings ratio than Bankinter, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Bankinter has a beta of -0.14, suggesting that its stock price is 114% less volatile than the S&P 500. Comparatively, ING Group has a beta of 0.8, suggesting that its stock price is 20% less volatile than the S&P 500.
Summary
ING Group beats Bankinter on 11 of the 15 factors compared between the two stocks.
About Bankinter
Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers payroll, pension, business, salary, non-salary, youth salary, current, currency, professional, basic, and management accounts; deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services. In addition, it offers accident, home, life, funeral, health, mortgage payment protection, property, personal, and motor insurance products, as well as business insurance products. Further, the company provides various services, such as estate administration, switch, asset management, accounts management, and transfer services, as well as real estate and brokerage services. Additionally, it offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. Bankinter, S.A. was incorporated in 1965 and is based in Madrid, Spain.
About ING Group
ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. It operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. The company accepts current and savings accounts. It also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, the company provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. It serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.