ING vs Intesa Sanpaolo (INGA.AS vs ISP.MI)
ING (INGA.AS) vs Intesa Sanpaolo (ISP.MI) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.
ING (INGA.AS) and Intesa Sanpaolo (ISP.MI) compete in banking. Here are ING and Intesa Sanpaolo side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy ING or Intesa Sanpaolo.
ING vs Intesa Sanpaolo: the figures
| Figure | ING | Intesa Sanpaolo |
|---|---|---|
| Share price | €29.09 (November 4, 2026) | €6.28 (November 4, 2026) |
| Market cap | €82.7 billion | €106.4 billion |
| P/E (TTM) | 12.4x | 11.0x |
| Forward P/E | 9.7x | 9.6x |
| Revenue growth (quarter) | +4.5% | +6.4% |
| Net margin (TTM) | 34.4% | 37.0% |
| ROE | 17.8% | 14.3% |
| Dividend yield | 4.10% | 6.38% |
| Beta | N/A | 0.82 |
ING and Intesa Sanpaolo figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that ING or Intesa Sanpaolo figure is not available, and we never estimate it.
3 key differences between ING and Intesa Sanpaolo
- Dividend: Intesa Sanpaolo yields 6.38% at today's price and ING yields 4.10%.
- Valuation: ING trades at 12.4x its annual earnings and Intesa Sanpaolo at 11.0x; the market pays more for each dollar of ING profit, usually because it expects more growth.
- Profitability: for every 100 of sales, Intesa Sanpaolo keeps 37.0 as net profit and ING keeps 34.4.
ING or Intesa Sanpaolo: which fits your profile
- If you want growth: Intesa Sanpaolo is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
- If you want income (dividends): Intesa Sanpaolo pays the higher dividend relative to its price.
- If price is what matters most to you: Intesa Sanpaolo trades on the lower P/E; check first whether that is an opportunity or a sign of a business that grows less.
Neither ING nor Intesa Sanpaolo wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.
How ING and Intesa Sanpaolo make money
ING (INGA.AS)
ING is a Dutch bank with two main businesses: Retail Banking, the larger, offering accounts, mortgages and loans to individuals and small firms in the Netherlands, Belgium, Germany and markets like Spain; and Wholesale Banking, which provides lending, trade finance and treasury services to large companies. Net interest income drives most earnings. Full ING analysis.
Intesa Sanpaolo (ISP.MI)
Intesa Sanpaolo is an Italian bank that earns interest and fees. Its divisions include Banca dei Territori, the domestic retail network and its largest; IMI Corporate & Investment Banking; International Banks in Central and Eastern Europe; Private Banking (Fideuram); Asset Management (Eurizon); and Insurance. Full Intesa Sanpaolo analysis.
Frequently asked questions: ING vs Intesa Sanpaolo
Is ING or Intesa Sanpaolo the better stock?
Choosing between ING and Intesa Sanpaolo depends on what you are looking for. Intesa Sanpaolo is growing faster right now, and Intesa Sanpaolo trades on the lower P/E. Fintols does not tell you whether to buy ING or Intesa Sanpaolo: it shows you the differences so you can decide.
Which pays a higher dividend, ING or Intesa Sanpaolo?
As of November 4, 2026, Intesa Sanpaolo yields 6.38% and ING yields 4.10%. Also check how much of their profit ING and Intesa Sanpaolo pay out: if it is more than they earn, it cannot last.
Which is more expensive, ING or Intesa Sanpaolo?
On P/E, ING (12.4x) is more expensive than Intesa Sanpaolo (11.0x) as of November 4, 2026. A higher P/E can be justified if earnings grow faster, so compare it with each company's growth in the table.
Can I own both ING and Intesa Sanpaolo?
Yes. Many people spread their money across several companies, such as ING and Intesa Sanpaolo, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying ING or Intesa Sanpaolo.
More comparisons with ING or Intesa Sanpaolo
More companies like ING and Intesa Sanpaolo: banking stocks. Educational content about ING and Intesa Sanpaolo, not investment advice.