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BANCO BILBAO VIZCAYA ARGENTARIA, S.A. vs ING GROEP NV — Side-by-side quantitative comparison
ING and BBVA are remarkably close in our quantitative rankings. ING GROEP NV holds a slight edge with a composite score of 59.2/100 (Hold) versus BANCO BILBAO VIZCAYA ARGENTARIA, S.A. at 58.7/100 (Hold). With a spread of just 0.5 points, the difference is marginal — investors should weigh qualitative factors like management quality, competitive positioning, and industry outlook to make a final decision.
For the Quality factor — which measures profitability and business quality through metrics like ROE, gross margins, and capital efficiency — BBVA leads at 35/100, while ING trails at 29/100 (BBVA: 35/100, ING: 29/100). The 6-point gap indicates a meaningful difference in quality characteristics between these stocks.
For the Value factor — which evaluates whether a stock is cheap or expensive relative to its earnings, book value, and cash flows — BBVA leads at 73/100, while ING trails at 65/100 (BBVA: 73/100, ING: 65/100). The 8-point gap indicates a meaningful difference in value characteristics between these stocks.
On the Momentum factor, which captures price trends and institutional sentiment over the trailing 3-12 months, these stocks are closely matched (BBVA: 84/100, ING: 84/100). The narrow 0-point spread suggests similar momentum profiles, so this factor alone is unlikely to be a decisive differentiator.
For the Investment factor — which assesses capital allocation quality including reinvestment rates and asset growth — ING leads at 69/100, while BBVA trails at 58/100 (ING: 69/100, BBVA: 58/100). The 12-point gap indicates a meaningful difference in investment characteristics between these stocks.
For the Stability factor — which measures financial health through leverage ratios and price volatility — ING leads at 57/100, while BBVA trails at 44/100 (ING: 57/100, BBVA: 44/100). The 13-point gap indicates a meaningful difference in stability characteristics between these stocks.
For the Short Interest factor — which tracks institutional bearish positioning and potential risk from elevated short selling — BBVA leads at 86/100, while ING trails at 59/100 (BBVA: 86/100, ING: 59/100). The 26-point gap indicates a meaningful difference in short interest characteristics between these stocks.
Based on our 6-factor model, ING GROEP NV (ING) is utilizing a stronger overall profile than BBVA, with a Composite Score of 59 vs 59. The comparison is extremely close. While ING leads slightly on Stability, BBVA remains a competitive alternative.
| Overall Rating | ||
| Composite Score | 59 | 59 |
| Rank | #761 | #814 |
| Stars | 3 / 5 | 3 / 5 |
| Action | Hold | Hold |
| Factor Scores | ||
| Quality | 29 | 35 |
| Value | 65 | 73 |
| Momentum | 84 | 84 |
| Stability | 57 | 44 |
| Investment | 69 | 58 |
| Short Interest | 59 | 86 |
| Valuation | ||
| P/E Ratio | — | — |
| P/B Ratio | — | — |
| P/S Ratio | — | — |
| EV/EBITDA | — | — |
| Dividend Yield | 7.7% | 8.0% |
| Profitability | ||
| ROE | 31.4% | -34.7% |
| ROA | 1.7% | 1.3% |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 133.2% | 27.8% |
| Growth & Risk | ||
| Revenue Growth | -15.4% | 11.0% |
| Debt/Equity | 304.00 | — |
| Beta | 0.85 | 0.80 |
| Market | ||
| Market Cap | $54.23B | $53.56B |
Based on our 6-factor quantitative model, ING currently has the higher composite score (59.2/100, Hold) and ranks #761 in our universe. However, the "better" stock depends on your investment goals, risk tolerance, and time horizon. We recommend reviewing the full factor breakdown above before making a decision.
Our comparison analyzes six quantitative factors: Quality (profitability and business strength, 30% weight), Momentum (price trends, 25%), Value (valuation attractiveness, 15%), Investment (capital allocation, 10%), Stability (financial health, 10%), and Short Interest (institutional positioning, 10%). Each factor is scored 0-100 and combined into a composite score.
BBVA has the higher value score at 73/100 compared to ING at 65/100. A higher value score indicates the stock trades at a more attractive valuation relative to its earnings, book value, and cash flows.
Our stock rankings and comparisons are updated daily using the latest available market data, financial statements, and price information. Factor scores reflect the most recent quarterly filings and trailing price data.