SUMITOMO MITSUI-SPONS ADR (SMFG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SMFG - US86562M2098 - ADR
18.99 USD
+0.15 (+0.8%)
18.98 USD
-0.01 (-0.05%)
Overall SMFG gets a fundamental rating of 3 out of 10. We evaluated SMFG against 387 industry peers in the Banks industry. SMFG may be in some trouble as it scores bad on both profitability and health. SMFG is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year SMFG was profitable.
In the past year SMFG had a positive cash flow from operations.
In the past 5 years SMFG has always been profitable.
Of the past 5 years SMFG 4 years had a positive operating cash flow.
1.2 Ratios
SMFG's Return On Assets of 0.38% is on the low side compared to the rest of the industry. SMFG is outperformed by 83.72% of its industry peers.
The Return On Equity of SMFG (8.01%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.38% | ||
| ROE | 8.01% | ||
| ROIC | N/A |
ROA(3y)0.34%
ROA(5y)0.3%
ROE(3y)6.98%
ROE(5y)6.22%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 21.08%, SMFG is not doing good in the industry: 62.79% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of SMFG has grown nicely.
SMFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.08% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.63%
PM growth 5Y4.49%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SMFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
SMFG has less shares outstanding than it did 1 year ago.
SMFG has more shares outstanding than it did 5 years ago.
SMFG has a worse debt/assets ratio than last year.
2.2 Solvency
SMFG has a debt to FCF ratio of 14.13. This is a negative value and a sign of low solvency as SMFG would need 14.13 years to pay back of all of its debts.
With a Debt to FCF ratio value of 14.13, SMFG is not doing good in the industry: 80.88% of the companies in the same industry are doing better.
SMFG has a Debt/Equity ratio of 4.31. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of SMFG (4.31) is worse than 95.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.31 | ||
| Debt/FCF | 14.13 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SMFG have decreased strongly by -16.20% in the last year.
The earnings per share for SMFG have been decreasing by -10.04% on average. This is quite bad
Looking at the last year, SMFG shows a quite strong growth in Revenue. The Revenue has grown by 11.16% in the last year.
SMFG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.09% yearly.
EPS 1Y (TTM)-16.2%
EPS 3Y20.84%
EPS 5Y-10.04%
EPS Q2Q%59.91%
Revenue 1Y (TTM)11.16%
Revenue growth 3Y14.42%
Revenue growth 5Y6.09%
Sales Q2Q%-44.39%
3.2 Future
The Earnings Per Share is expected to grow by 13.16% on average over the next years. This is quite good.
SMFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.78% yearly.
EPS Next Y26.31%
EPS Next 2Y17.45%
EPS Next 3Y13.16%
EPS Next 5YN/A
Revenue Next Year5.98%
Revenue Next 2Y5.03%
Revenue Next 3Y4.78%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.66, SMFG is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as SMFG.
The average S&P500 Price/Earnings ratio is at 26.76. SMFG is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 11.77, the valuation of SMFG can be described as very reasonable.
SMFG's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.96, SMFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.66 | ||
| Fwd PE | 11.77 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SMFG indicates a rather cheap valuation: SMFG is cheaper than 94.57% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.23 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SMFG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SMFG's earnings are expected to grow with 13.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y17.45%
EPS Next 3Y13.16%
5. Dividend
5.1 Amount
SMFG has a Yearly Dividend Yield of 3.20%.
Compared to an average industry Dividend Yield of 3.11, SMFG pays a bit more dividend than its industry peers.
SMFG's Dividend Yield is a higher than the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
5.2 History
The dividend of SMFG decreases each year by -10.63%.
SMFG has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-10.63%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
34.98% of the earnings are spent on dividend by SMFG. This is a low number and sustainable payout ratio.
DP34.98%
EPS Next 2Y17.45%
EPS Next 3Y13.16%
18.99
+0.15 (+0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.89%
Inst Owner Change-7.15%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap121.75B
Revenue(TTM)5.57T
Net Income(TTM)1.18T
Analysts80
Price Target19.43 (2.32%)
Short Float %0.06%
Short Ratio1.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
Yearly Dividend0.41
Dividend Growth(5Y)-10.63%
DP34.98%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.4%
Min EPS beat(2)-47.86%
Max EPS beat(2)29.06%
EPS beat(4)3
Avg EPS beat(4)3.01%
Min EPS beat(4)-47.86%
Max EPS beat(4)29.06%
EPS beat(8)7
Avg EPS beat(8)13.04%
EPS beat(12)10
Avg EPS beat(12)15.65%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)174.63%
Min Revenue beat(2)158.92%
Max Revenue beat(2)190.35%
Revenue beat(4)4
Avg Revenue beat(4)168.83%
Min Revenue beat(4)134.22%
Max Revenue beat(4)191.85%
Revenue beat(8)8
Avg Revenue beat(8)161.77%
Revenue beat(12)12
Avg Revenue beat(12)121.58%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.75%
PT rev (3m)5.53%
EPS NQ rev (1m)0.09%
EPS NQ rev (3m)0.09%
EPS NY rev (1m)3.53%
EPS NY rev (3m)7.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.42%
Revenue NY rev (3m)-0.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.66 | ||
| Fwd PE | 11.77 | ||
| P/S | 3.39 | ||
| P/FCF | 4.23 | ||
| P/OCF | 3.91 | ||
| P/B | 1.29 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.39
EY7.32%
EPS(NY)1.61
Fwd EY8.49%
FCF(TTM)4.49
FCFY23.66%
OCF(TTM)4.86
OCFY25.6%
SpS5.6
BVpS14.74
TBVpS13.72
PEG (NY)0.52
PEG (5Y)N/A
Graham Number21.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.38% | ||
| ROE | 8.01% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.08% | ||
| GM | N/A | ||
| FCFM | 80.2% |
ROA(3y)0.34%
ROA(5y)0.3%
ROE(3y)6.98%
ROE(5y)6.22%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.63%
PM growth 5Y4.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.31 | ||
| Debt/FCF | 14.13 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 130.7% | ||
| Cap/Sales | 6.57% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 380.43% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC4.27%
ROIC/WACCN/A
Cap/Depr(3y)125.35%
Cap/Depr(5y)127.62%
Cap/Sales(3y)7.25%
Cap/Sales(5y)7.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-16.2%
EPS 3Y20.84%
EPS 5Y-10.04%
EPS Q2Q%59.91%
EPS Next Y26.31%
EPS Next 2Y17.45%
EPS Next 3Y13.16%
EPS Next 5YN/A
Revenue 1Y (TTM)11.16%
Revenue growth 3Y14.42%
Revenue growth 5Y6.09%
Sales Q2Q%-44.39%
Revenue Next Year5.98%
Revenue Next 2Y5.03%
Revenue Next 3Y4.78%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1685.59%
FCF growth 3Y52.76%
FCF growth 5Y-8.1%
OCF growth 1Y654.2%
OCF growth 3Y46.39%
OCF growth 5Y-7.31%
SUMITOMO MITSUI-SPONS ADR / SMFG FAQ
What is the fundamental rating for SMFG stock?
ChartMill assigns a fundamental rating of 3 / 10 to SMFG.
Can you provide the valuation status for SUMITOMO MITSUI-SPONS ADR?
ChartMill assigns a valuation rating of 6 / 10 to SUMITOMO MITSUI-SPONS ADR (SMFG). This can be considered as Fairly Valued.
How profitable is SUMITOMO MITSUI-SPONS ADR (SMFG) stock?
SUMITOMO MITSUI-SPONS ADR (SMFG) has a profitability rating of 3 / 10.
What is the valuation of SUMITOMO MITSUI-SPONS ADR based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SUMITOMO MITSUI-SPONS ADR (SMFG) is 13.66 and the Price/Book (PB) ratio is 1.29.
How financially healthy is SUMITOMO MITSUI-SPONS ADR?
The financial health rating of SUMITOMO MITSUI-SPONS ADR (SMFG) is 0 / 10.