KB vs. ING

Last updated Jun 9, 2026

KB (KB Financial Group Inc.) and ING (ING Groep N.V.) are both stocks. Both are in the Financial Services sector — KB in Banks - Regional, ING in Banks - Diversified. Over the past 10 years, KB returned 16.60%/yr vs 15.56%/yr for ING. At a 0.44 correlation, their price movements are largely independent.

Performance

KB vs. ING - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in KB Financial Group Inc. (KB) and ING Groep N.V. (ING). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, KB achieves a 17.76% return, which is significantly higher than ING's 7.96% return. Over the past 10 years, KB has outperformed ING with an annualized return of 16.60%, while ING has yielded a comparatively lower 15.56% annualized return.

KB

• 1D: -6.97%
• 1M: -9.67%
• YTD: 17.76%
• 6M: 17.24%
• 1Y: 31.93%
• 3Y*: 43.18%
• 5Y*: 20.13%
• 10Y*: 16.60%

ING

• 1D: -1.89%
• 1M: -3.35%
• YTD: 7.96%
• 6M: 13.69%
• 1Y: 45.06%
• 3Y*: 40.19%
• 5Y*: 25.86%
• 10Y*: 15.56%

*Multi-year figures are annualized to reflect compound growth (CAGR)

KB vs. ING - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
KB KB Financial Group Inc.	17.76%	56.57%	45.22%	10.35%	-11.26%	22.62%	-0.46%	-1.45%	-28.25%	65.80%
ING ING Groep N.V.	7.96%	91.12%	12.25%	31.88%	-4.22%	55.41%	-21.66%	20.03%	-41.15%	35.53%

Correlation

The correlation between KB and ING is 0.44, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.44
Correlation (3Y) Calculated over the trailing 3-year period	0.35
Correlation (5Y) Calculated over the trailing 5-year period	0.43
Correlation (10Y) Calculated over the trailing 10-year period	0.43
Correlation (All Time) Calculated using the full available price history since Nov 13, 2001	0.44

Fundamentals

Market Cap KB : $37.91B ING : $84.13B
EPS KB : $16.37K ING : $2.17
PE Ratio KB : 0.01 ING : 13.43
PEG Ratio KB : 0.00 ING : 0.80
PS Ratio KB : 0.00 ING : 2.07
PB Ratio KB : 0.00 ING : 1.65
Total Revenue (TTM) KB : $43.88T ING : $41.73B
Gross Profit (TTM) KB : $22.91T ING : $40.40B
EBITDA (TTM) KB : $9.39T ING : $9.28B

Return for Risk

KB vs. ING — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

KB

KB Risk / Return Rank: 70
KB Sharpe Ratio Rank: 71
KB Sortino Ratio Rank: 66
KB Omega Ratio Rank: 65
KB Calmar Ratio Rank: 75
KB Martin Ratio Rank: 72

ING

ING Risk / Return Rank: 82
ING Sharpe Ratio Rank: 86
ING Sortino Ratio Rank: 83
ING Omega Ratio Rank: 80
ING Calmar Ratio Rank: 78
ING Martin Ratio Rank: 83

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

KB vs. ING - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for KB Financial Group Inc. (KB) and ING Groep N.V. (ING). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	KB	ING	Difference
Sharpe ratio: Return per unit of total volatility	0.90	1.74	-0.84
Sortino ratio: Return per unit of downside risk	1.45	2.43	-0.98
Omega ratio: Gain probability vs. loss probability	1.18	1.29	-0.11
Calmar ratio: Return relative to maximum drawdown	1.92	2.28	-0.36
Martin ratio: Return relative to average drawdown	3.87	7.51	-3.64
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

KB vs. ING - Sharpe Ratio Comparison

The current KB Sharpe Ratio is 0.90, which is lower than the ING Sharpe Ratio of 1.74. The chart below compares the historical Sharpe Ratios of KB and ING, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	KB	ING	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.90	1.74	-0.84
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.61	0.83	-0.23
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.51	0.45	+0.06
Sharpe Ratio (All Time) Calculated using the full available price history	0.18	0.12	+0.06

Drawdowns

KB vs. ING - Drawdown Comparison

The maximum KB drawdown since its inception was -84.27%, smaller than the maximum ING drawdown of -92.73%. Use the drawdown chart below to compare losses from any high point for KB and ING.

Drawdown Indicators

	KB	ING	Difference
Max Drawdown Largest peak-to-trough decline	-84.27%	-92.73%	+8.46%
Max Drawdown (1Y) Largest decline over 1 year	-16.74%	-19.86%	+3.12%
Max Drawdown (3Y) Largest decline over 3 years	-34.41%	-19.86%	-14.55%
Max Drawdown (5Y) Largest decline over 5 years	-42.89%	-43.39%	+0.50%
Max Drawdown (10Y) Largest decline over 10 years	-66.92%	-75.27%	+8.35%
Current Drawdown Current decline from peak	-14.29%	-7.06%	-7.23%
Average Drawdown Average peak-to-trough decline	-40.16%	-45.81%	+5.65%
Ulcer Index Depth and duration of drawdowns from previous peaks	8.26%	6.02%	+2.24%

Volatility

KB vs. ING - Volatility Comparison

KB Financial Group Inc. (KB) has a higher volatility of 10.59% compared to ING Groep N.V. (ING) at 7.39%. This indicates that KB's price experiences larger fluctuations and is considered to be riskier than ING based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	KB	ING	Difference
Volatility (1M) Calculated over the trailing 1-month period	10.59%	7.39%	+3.20%
Volatility (6M) Calculated over the trailing 6-month period	25.13%	21.10%	+4.03%
Volatility (1Y) Calculated over the trailing 1-year period	35.66%	26.09%	+9.57%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	33.40%	31.26%	+2.14%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.77%	34.99%	-2.22%

Dividends

KB vs. ING - Dividend Comparison

KB's dividend yield for the trailing twelve months is around 2.37%, less than ING's 5.10% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ING ING Groep N.V.	5.10%	4.78%	7.65%	5.86%	7.16%	5.09%	0.00%	5.92%	2.63%	3.28%	4.24%	2.58%
KB KB Financial Group Inc.	2.37%	2.92%	4.98%	2.81%	5.78%	5.27%	3.97%	0.00%	0.00%	0.00%	3.10%	3.05%

Financials

KB vs. ING - Profitability Comparison

The chart below illustrates the profitability comparison between KB Financial Group Inc. and ING Groep N.V. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

KB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, KB Financial Group Inc. reported a gross profit of 2.71T and revenue of 2.71T. Therefore, the gross margin over that period was 100.0%.

ING - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, ING Groep N.V. reported a gross profit of 5.48B and revenue of 5.82B. Therefore, the gross margin over that period was 94.1%.

KB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, KB Financial Group Inc. reported an operating income of 2.71T and revenue of 2.71T, resulting in an operating margin of 100.0%.

ING - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, ING Groep N.V. reported an operating income of 2.26B and revenue of 5.82B, resulting in an operating margin of 38.8%.

KB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, KB Financial Group Inc. reported a net income of 1.97T and revenue of 2.71T, resulting in a net margin of 72.8%.

ING - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, ING Groep N.V. reported a net income of 1.56B and revenue of 5.82B, resulting in a net margin of 26.7%.

Frequently Asked Questions

Can I hold both KB and ING in my portfolio?

KB and ING have a correlation of 0.44, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, KB or ING?

KB has higher volatility (10.59%) compared to ING (7.39%). In terms of maximum drawdown, KB dropped -84.27% vs ING's -92.73%.

Which has better risk-adjusted returns?

ING currently has the higher Sharpe Ratio (1.74 vs 0.90), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.