Is C or ING more undervalued in 2026?

CirclFi compares Citigroup, Inc. (C) and ING Group, N.V. (ING) using 13 institutional-grade valuation models. C has a Quality of Company score of 7.9/10 while ING scores 1.7/10.

Which is a better buy — C or ING?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do C and ING valuations compare?

C at $124.68 and ING at $30.84 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

C vs ING Valuation Comparison 2026 — Intrinsic Value Analysis

C

Banks - Diversified

Citigroup, Inc.

Quality

7.9

out of 10

Value Trap

LOW

Price

$124.68

Last close

Models

10/13

Active

ING

Banks - Diversified

ING Group, N.V.

Quality

1.7

out of 10

Value Trap

—

Price

$30.84

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	C Fair Value	C Upside	ING Fair Value	ING Upside
Bayesian DCF	Intrinsic	$114.80	-7.9%	$10.28	-66.7%
Earnings Power Value	Intrinsic	$1.75	-98.6%	$12.67	-54.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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C vs ING — Which Stock Is More Undervalued?

C scores higher with a 7.9/10 quality rating vs ING's 1.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Citigroup, Inc. (C) and ING Group, N.V. (ING) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

C currently trades at $124.68 with a QOC of 7.9/10, while ING trades at $30.84 with a QOC of 1.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).