Which is better, CPI.JO or ING.WA?

On the Buffett-Fit framework, Capitec Bank Holdings Limited (CPI.JO) currently grades higher than ING.WA — 65/100 (B grade) vs 35/100 (D). That said, "better" depends on which framework you trust — CPI.JO wins on Warren Buffett, Benjamin Graham, Philip Fisher, Peter Lynch, Charlie Munger, and Terry Smith; ING.WA wins on Joel Greenblatt. The full pillar breakdown is on this page.

Should I buy CPI.JO or ING.WA?

This page is an educational comparison, not investment advice. Both CPI.JO and ING.WA are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is CPI.JO better than ING.WA for value investing?

On the Buffett-style value-investing framework, CPI.JO currently grades higher — 65/100 vs 35/100, a 30-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between CPI.JO and ING.WA on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). CPI.JO currently scores 65/100 (B grade); ING.WA scores 35/100 (D grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, CPI.JO or ING.WA?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. CPI.JO and ING.WA are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, CPI.JO or ING.WA?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are CPI.JO and ING.WA both Financial Services stocks?

Yes — both Capitec Bank Holdings Limited (CPI.JO) and ING Bank Slaski S.A. (ING.WA) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this CPI.JO vs ING.WA comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Capitec Bank Holdings Limited

CPI.JO$551.77BFinancials Market cap, Sector

ING Bank Slaski

ING.WA$59.82BFinancials Market cap, Sector

Overall winner

Capitec Bank Holdings Limited

CPI.JO 61 ING.WA

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

Fit scores by strategy

CPI.JO6wins

1winsING.WA

Warren Buffett

65C

F35

Benjamin Graham

72B

D58

Philip Fisher

82B

C68

Peter Lynch

59D

D54

Joel Greenblatt

24F

D56

Charlie Munger

80B

B70

Terry Smith

85A

C60

Side-by-side metrics

Metric	CPI.JO	ING.WA
Market cap	Winner: $551.77B	$59.82B
P/E (TTM)	30.3x	12.3x Winner
EV/EBIT	-	-
ROIC (TTM)	-	-
Gross margin	-	-
Net margin	32.31%	39.19% Winner
Revenue CAGR 5y	Winner: 20.53%	15.33%
EPS CAGR 5y	22.49%	39.26% Winner
Debt / Equity	Winner: 0.1x	0.9x
Dividend yield	-	-

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

CPI.JO leads on

Debt / Equity0.1xvs 0.9x+93%
Market cap$551.77Bvs $59.82B+89%
Revenue CAGR 5y20.53%vs 15.33%+25%

ING.WA leads on

P/E (TTM)12.3xvs 30.3x+59%
EPS CAGR 5y39.26%vs 22.49%+43%
Net margin39.19%vs 32.31%+18%

More like CPI.JO

CPI.JO vs IBKD.SI CPI.JO vs FBK.MI CPI.JO vs AZA.ST CPI.JO vs BGN.MI

More like ING.WA

ING.WA vs IBKD.SI ING.WA vs FBK.MI ING.WA vs AZA.ST ING.WA vs BGN.MI

Read the full Buffett-Brain analysis for CPI.JO Read the full Buffett-Brain analysis for ING.WA

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Stock comparison

Capitec Bank Holdings Limited

CPI.JO$551.77BFinancials Market cap, Sector

ING Bank Slaski

ING.WA$59.82BFinancials Market cap, Sector

Overall winner

Capitec Bank Holdings Limited

CPI.JO 61 ING.WA

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

Fit scores by strategy

CPI.JO6wins

1winsING.WA

Warren Buffett

65C

F35

Benjamin Graham

72B

D58

Philip Fisher

82B

C68

Peter Lynch

59D

D54

Joel Greenblatt

24F

D56

Charlie Munger

80B

B70

Terry Smith

85A

C60

Side-by-side metrics

Metric	CPI.JO	ING.WA
Market cap	Winner: $551.77B	$59.82B
P/E (TTM)	30.3x	12.3x Winner
EV/EBIT	-	-
ROIC (TTM)	-	-
Gross margin	-	-
Net margin	32.31%	39.19% Winner
Revenue CAGR 5y	Winner: 20.53%	15.33%
EPS CAGR 5y	22.49%	39.26% Winner
Debt / Equity	Winner: 0.1x	0.9x
Dividend yield	-	-

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

CPI.JO leads on

Debt / Equity0.1xvs 0.9x+93%
Market cap$551.77Bvs $59.82B+89%
Revenue CAGR 5y20.53%vs 15.33%+25%

ING.WA leads on

P/E (TTM)12.3xvs 30.3x+59%
EPS CAGR 5y39.26%vs 22.49%+43%
Net margin39.19%vs 32.31%+18%

More like CPI.JO

CPI.JO vs IBKD.SI CPI.JO vs FBK.MI CPI.JO vs AZA.ST CPI.JO vs BGN.MI

More like ING.WA

ING.WA vs IBKD.SI ING.WA vs FBK.MI ING.WA vs AZA.ST ING.WA vs BGN.MI

Read the full Buffett-Brain analysis for CPI.JO Read the full Buffett-Brain analysis for ING.WA

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.