ING
ING Groep N.V.
There isn't enough reported data to score ING yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
ING Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
ING's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like ING.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
ING PE Valuation
ING has no meaningful PE right now: it lost money over the past year.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
ING Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ING, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
ING Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | $3.09 | +69% |
| Q4 2024 | $1.83 | +42% |
| Q4 2023 | $1.29 | -65% |
| Q4 2022 | $3.72 | +119% |
| Q2 2022 | $3.09 | +124% |
| Q4 2021 | $1.70 | +166% |
| Q2 2021 | $1.38 | +75% |
| Q4 2020 | $0.64 | -42% |
ING earned $3.09 per share over the past year, down 17% from the year before.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI has the edge over ING in the latest year-over-year earnings comparison.
ING Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $14.5B | +61% |
| Q2 2025 | $13.6B | -3.9% |
| Q4 2024 | $9B | -55% |
| Q4 2023 | $20.1B | +48% |
| Q4 2022 | $13.6B | +27% |
| Q2 2022 | $20.1B | +82% |
| Q4 2021 | $10.7B | +13% |
| Q2 2021 | $11B | +14% |
ING's revenue has slid since its 2017 peak: $14.5B last quarter, down 28% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | 102% | +1.6 points |
| Q2 2025 | 101% | -1.1 points |
| Q4 2024 | 102% | +3 points |
| Q2 2024 | 100% | -2.6 points |
| Q4 2023 | 100% | -2.3 points |
| Q4 2022 | 102% | +75 points |
| Q2 2022 | 99% | +86 points |
| Q4 2021 | 103% | +68 points |
ING's operating margin was 102% last quarter, up 1.6 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over ING in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
ING Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | -$19B | +$12.8B |
| Q2 2025 | $11.5B | +79% |
| Q4 2024 | -$31.8B | -$19B |
| Q4 2023 | -$12.9B | +$24.9B |
| Q4 2022 | -$37.8B | -$24.6B |
| Q2 2022 | $25.2B | +$28.8B |
| Q4 2021 | -$13.2B | -150% |
| Q2 2021 | -$3.6B | -104% |
ING's free cash flow was −$32.9B over the past year, against −$38.6B the year before. Free cash flow isn't a meaningful measure for financial services companies like ING.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
ING Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.7% | -52.2M shares |
| 1 year | -16% | -576M shares |
| 3 years | -23% | -905M shares |
ING has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q2 2025 | $71.1M |
| Q4 2024 | — |
| Q2 2024 | $47.8M |
| Q4 2023 | $4.4B |
| Q4 2022 | $1.3B |
| Q2 2022 | $422.1M |
| Q4 2016 | — |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
ING Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | 4.4x | High |
| Q2 2025 | 4.1x | High |
| Q4 2024 | 4.2x | High |
| Q4 2023 | 2.5x | Moderate |
| Q4 2022 | 0.5x | Very low |
| Q2 2022 | -0.7x | Net Cash |
| Q4 2021 | 0.0x | Very low |
| Q2 2021 | 0.3x | Very low |
ING's net debt is about 4.4 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like ING.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
ING Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.4 | Neutral |
| Stochastic | 17.1 | Oversold |
ING's weekly RSI is 51 (neutral) and its Stochastic is 17 (oversold).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
ING PE vs Financial Services Sector
| Metric | ING | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
ING has no meaningful PE right now: it lost money over the past year.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
ING Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $33.3 | 0.8% below |
| 20 week MA | $34.2 | 3.3% below |
| 50 week MA | $30.8 | 7.3% above |
| 100 week MA | $26.0 | 27% above |
| 200 week MA | $20.5 | 61% above |
ING has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
ING Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.0 | $9.54 | -21% |
| 2021 | $9.54 | $13.8 | +45% |
| 2022 | $13.8 | $12.3 | -11% |
| 2023 | $12.3 | $15.0 | +23% |
| 2024 | $15.0 | $15.6 | +4.1% |
| 2025 | $15.6 | $28.3 | +81% |
| 2026 YTD | $28.3 | $33.0 | +17% |
ING has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.