Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in ING Groep N.V. or Credicorp Ltd. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how ING Groep N.V. and Credicorp Ltd. compare based on key financial metrics to determine which better meets your investment needs.

About ING Groep N.V. and Credicorp Ltd.

ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. The company operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. It accepts current and savings accounts; and time deposits. The company also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, it 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. The company serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

Credicorp Ltd., together with its subsidiaries, provides various banking services and products in Peru, Bermuda, Colombia, Bolivia, Panama, Chile, the United States, the Cayman Islands, and Mexico. It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments. The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts. It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates. In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises; provision of brokerage service and investment management services to corporations, institutional investors, governments, and foundations; structuring and placement of issues in the primary market; execution and negotiation of transactions in the secondary market; structures securitization processes for corporate customers; and manages mutual funds. Further, it engages in the provision of custody, trustee, capital markets, asset management, and payment processing services; operates digital platform for e commerce; management and development of digital businesses; and acts as a private pension fund administrator. Credicorp Ltd. was founded in 1889 and is headquartered in Lima, Peru.

Latest Banks and ING Groep N.V., Credicorp Ltd. Stock News

As of September 18, 2026, ING Groep N.V. had a $103.6 billion market capitalization, compared to the Banks median of $733.6 million. ING Groep N.V.’s stock is up 30% in 2026, down 2.3% in the previous five trading days and up 43.65% in the past year.

Currently, ING Groep N.V.’s price-earnings ratio is 10.7. ING Groep N.V.’s trailing 12-month revenue is $28.8 billion with a 34.5% net profit margin. Year-over-year quarterly sales growth most recently was -7.6%. Analysts expect adjusted earnings to reach $2.692 per share for the current fiscal year. ING Groep N.V. currently has a 2.5% dividend yield.

As of September 18, 2026, Credicorp Ltd. had a $30.3 billion market cap, putting it in the 90th percentile of all stocks. Credicorp Ltd.’s stock is up 33% in 2026, up 1% in the previous five trading days and up 37.21% in the past year.

Currently, Credicorp Ltd.’s price-earnings ratio is 14.1. Credicorp Ltd.’s trailing 12-month revenue is $6.5 billion with a 33.1% net profit margin. Year-over-year quarterly sales growth most recently was 16.1%. Analysts expect adjusted earnings to reach $29.783 per share for the current fiscal year. Credicorp Ltd. currently has a 13.1% dividend yield.

How We Compare ING Groep N.V. and Credicorp Ltd. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at ING Groep N.V. and Credicorp Ltd.’s stock grades to see how they measure up against one another.

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ING Groep N.V. and Credicorp Ltd. Stock Value Grades

Company	Ticker	Value
ING Groep N.V.	ING	B
Credicorp Ltd.	BAP	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

ING Groep N.V. has a Value Score of 70, which is Value. Credicorp Ltd. has a Value Score of 74, which is Value.

The Value Stock Winner: It’s a Tie!

Looking at the Value Grade breakdown above, both ING Groep N.V. and Credicorp Ltd. have a Value Grade of B. For investors who focus solely on a company’s valuation, you will need to conduct further research into both of these companies’ other metrics to see if they could be good additions to your portfolio. It’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

ING Groep N.V. and Credicorp Ltd.’s Quality Grades

Company	Ticker	Quality
ING Groep N.V.	ING	F
Credicorp Ltd.	BAP	F

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

ING Groep N.V. has a Quality Score of 12, which is Very Weak. Credicorp Ltd. has a Quality Score of 5, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither ING Groep N.V. or Credicorp Ltd. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if ING Groep N.V. or Credicorp Ltd. is the better investment when it comes to quality.

ING Groep N.V. and Credicorp Ltd.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
ING Groep N.V.	ING	F
Credicorp Ltd.	BAP	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

ING Groep N.V. has a Earnings Estimate Score of 19, which is Very Negative. Credicorp Ltd. has a Earnings Estimate Score of 54, which is Neutral.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither ING Groep N.V. or Credicorp Ltd. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if ING Groep N.V. or Credicorp Ltd. is the better investment when it comes to estimate revisions.

Other ING Groep N.V. and Credicorp Ltd. Grades

In addition to Quality, Value and Estimate Revisions, A+ Investor also provides grades for Growth and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether ING Groep N.V. and Credicorp Ltd. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, ING Groep N.V. or Credicorp Ltd. Stock?

Overall, ING Groep N.V. stock has a Value Score of 70, Estimate Revisions Score of 19 and Quality Score of 12.

Credicorp Ltd. stock has a Value Score of 74, Estimate Revisions Score of 54 and Quality Score of 5.

Comparing ING Groep N.V. and Credicorp Ltd.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.