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SUMITOMO MITSUI-SPONS ADR (SMFG) Stock Fundamental Analysis

NYSE:SMFG - New York Stock Exchange, Inc. - US86562M2098 - ADR - Currency: USD

13.9  -0.03 (-0.22%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SMFG. SMFG was compared to 398 industry peers in the Banks industry. SMFG may be in some trouble as it scores bad on both profitability and health. SMFG has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

SMFG had positive earnings in the past year.
In the past year SMFG has reported a negative cash flow from operations.
Each year in the past 5 years SMFG has been profitable.
SMFG had a positive operating cash flow in 4 of the past 5 years.
SMFG Yearly Net Income VS EBIT VS OCF VS FCFSMFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T -5T 10T 15T

1.2 Ratios

Looking at the Return On Assets, with a value of 0.40%, SMFG is doing worse than 80.65% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.87%, SMFG is in line with its industry, outperforming 46.23% of the companies in the same industry.
Industry RankSector Rank
ROA 0.4%
ROE 7.87%
ROIC N/A
ROA(3y)0.3%
ROA(5y)0.29%
ROE(3y)6.25%
ROE(5y)5.93%
ROIC(3y)N/A
ROIC(5y)N/A
SMFG Yearly ROA, ROE, ROICSMFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 20.98%, SMFG is in line with its industry, outperforming 40.95% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 20.98%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.2%
PM growth 5Y3.83%
GM growth 3YN/A
GM growth 5YN/A
SMFG Yearly Profit, Operating, Gross MarginsSMFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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0

2. Health

2.1 Basic Checks

SMFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SMFG has less shares outstanding
The number of shares outstanding for SMFG has been increased compared to 5 years ago.
Compared to 1 year ago, SMFG has a worse debt to assets ratio.
SMFG Yearly Shares OutstandingSMFG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
SMFG Yearly Total Debt VS Total AssetsSMFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50T 100T 150T 200T 250T

2.2 Solvency

SMFG has a Debt/Equity ratio of 4.07. This is a high value indicating a heavy dependency on external financing.
SMFG has a Debt to Equity ratio of 4.07. This is amonst the worse of the industry: SMFG underperforms 96.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.07
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.73%
SMFG Yearly LT Debt VS Equity VS FCFSMFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10T 20T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SMFG Yearly Current Assets VS Current LiabilitesSMFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10T 20T 30T

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4

3. Growth

3.1 Past

The earnings per share for SMFG have decreased strongly by -46.64% in the last year.
Measured over the past 5 years, SMFG shows a small growth in Earnings Per Share. The EPS has been growing by 4.17% on average per year.
The Revenue has grown by 24.76% in the past year. This is a very strong growth!
Measured over the past years, SMFG shows a small growth in Revenue. The Revenue has been growing by 1.89% on average per year.
EPS 1Y (TTM)-46.64%
EPS 3Y80.13%
EPS 5Y4.17%
EPS Q2Q%-47.47%
Revenue 1Y (TTM)24.76%
Revenue growth 3Y14.02%
Revenue growth 5Y1.89%
Sales Q2Q%-4.15%

3.2 Future

The Earnings Per Share is expected to decrease by -15.08% on average over the next years. This is quite bad
The Revenue is expected to grow by 10.18% on average over the next years. This is quite good.
EPS Next Y-49.29%
EPS Next 2Y-25.4%
EPS Next 3Y-15.08%
EPS Next 5YN/A
Revenue Next Year18.78%
Revenue Next 2Y13%
Revenue Next 3Y10.18%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SMFG Yearly Revenue VS EstimatesSMFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1T 2T 3T 4T 5T
SMFG Yearly EPS VS EstimatesSMFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100 200 300

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4

4. Valuation

4.1 Price/Earnings Ratio

SMFG is valuated reasonably with a Price/Earnings ratio of 9.86.
Based on the Price/Earnings ratio, SMFG is valued a bit cheaper than 74.12% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.75. SMFG is valued rather cheaply when compared to this.
SMFG is valuated reasonably with a Price/Forward Earnings ratio of 9.27.
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 20.49, SMFG is valued rather cheaply.
Industry RankSector Rank
PE 9.86
Fwd PE 9.27
SMFG Price Earnings VS Forward Price EarningsSMFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SMFG Per share dataSMFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

A cheap valuation may be justified as SMFG's earnings are expected to decrease with -15.08% in the coming years.
PEG (NY)N/A
PEG (5Y)2.36
EPS Next 2Y-25.4%
EPS Next 3Y-15.08%

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5

5. Dividend

5.1 Amount

SMFG has a Yearly Dividend Yield of 3.53%.
SMFG's Dividend Yield is a higher than the industry average which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.44, SMFG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.53%

5.2 History

The dividend of SMFG decreases each year by -12.99%.
SMFG has been paying a dividend for at least 10 years, so it has a reliable track record.
As SMFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)-12.99%
Div Incr Years6
Div Non Decr Years6
SMFG Yearly Dividends per shareSMFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50 100 150 200 250

5.3 Sustainability

30.77% of the earnings are spent on dividend by SMFG. This is a low number and sustainable payout ratio.
SMFG's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP30.77%
EPS Next 2Y-25.4%
EPS Next 3Y-15.08%
SMFG Yearly Income VS Free CF VS DividendSMFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T -5T 10T 15T
SMFG Dividend Payout.SMFG Dividend Payout, showing the Payout Ratio.SMFG Dividend Payout.PayoutRetained Earnings

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SUMITOMO MITSUI-SPONS ADR

NYSE:SMFG (5/2/2025, 12:12:47 PM)

13.9

-0.03 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29/dmh
Earnings (Next)05-13 2025-05-13/amc
Inst Owners39.09%
Inst Owner Change0.51%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap89.77B
Analysts80
Price Target19.13 (37.63%)
Short Float %0.05%
Short Ratio1.69
Dividend
Industry RankSector Rank
Dividend Yield 3.53%
Yearly Dividend0.37
Dividend Growth(5Y)-12.99%
DP30.77%
Div Incr Years6
Div Non Decr Years6
Ex-Date03-28 2025-03-28 (60)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.41%
Min EPS beat(2)9.54%
Max EPS beat(2)21.28%
EPS beat(4)4
Avg EPS beat(4)21.67%
Min EPS beat(4)9.54%
Max EPS beat(4)30.4%
EPS beat(8)7
Avg EPS beat(8)10.06%
EPS beat(12)11
Avg EPS beat(12)21.85%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)163.04%
Min Revenue beat(2)134.22%
Max Revenue beat(2)191.85%
Revenue beat(4)4
Avg Revenue beat(4)149.28%
Min Revenue beat(4)66.12%
Max Revenue beat(4)204.93%
Revenue beat(8)8
Avg Revenue beat(8)122.91%
Revenue beat(12)12
Avg Revenue beat(12)98.84%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)9.57%
PT rev (3m)19.21%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)13.31%
EPS NY rev (1m)0.6%
EPS NY rev (3m)11.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-22.44%
Valuation
Industry RankSector Rank
PE 9.86
Fwd PE 9.27
P/S 2.32
P/FCF N/A
P/OCF N/A
P/B 0.87
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)1.41
EY10.14%
EPS(NY)1.5
Fwd EY10.79%
FCF(TTM)-1.98
FCFYN/A
OCF(TTM)-1.56
OCFYN/A
SpS5.99
BVpS15.97
TBVpS14.9
PEG (NY)N/A
PEG (5Y)2.36
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 7.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.98%
GM N/A
FCFM N/A
ROA(3y)0.3%
ROA(5y)0.29%
ROE(3y)6.25%
ROE(5y)5.93%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.2%
PM growth 5Y3.83%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 4.07
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 135.75%
Cap/Sales 7.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.73%
ROIC/WACCN/A
Cap/Depr(3y)121.5%
Cap/Depr(5y)123.61%
Cap/Sales(3y)7.64%
Cap/Sales(5y)7.72%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-46.64%
EPS 3Y80.13%
EPS 5Y4.17%
EPS Q2Q%-47.47%
EPS Next Y-49.29%
EPS Next 2Y-25.4%
EPS Next 3Y-15.08%
EPS Next 5YN/A
Revenue 1Y (TTM)24.76%
Revenue growth 3Y14.02%
Revenue growth 5Y1.89%
Sales Q2Q%-4.15%
Revenue Next Year18.78%
Revenue Next 2Y13%
Revenue Next 3Y10.18%
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 1Y82.72%
FCF growth 3Y-76.14%
FCF growth 5Y-42.37%
OCF growth 1Y86.02%
OCF growth 3Y-67.54%
OCF growth 5Y-32.53%