SMFG Fundamental Analysis - SUMITOMO MITSUI-SPONS ADR

Fundamental Rating

SMFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. SMFG may be in some trouble as it scores bad on both profitability and health. SMFG has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

SMFG had positive earnings in the past year.

SMFG had a positive operating cash flow in the past year.

SMFG had positive earnings in each of the past 5 years.

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 81.31% of its industry peers.

SMFG has a Return On Equity (8.01%) which is in line with its industry peers.

		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

The Profit Margin of SMFG (21.08%) is worse than 61.11% of its industry peers.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SMFG does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for SMFG has been reduced compared to 1 year ago.

The number of shares outstanding for SMFG has been increased compared to 5 years ago.

SMFG has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of SMFG is 13.75, which is on the high side as it means it would take SMFG, 13.75 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 13.75, SMFG is doing worse than 81.31% of the companies in the same industry.

A Debt/Equity ratio of 4.30 is on the high side and indicates that SMFG has dependencies on debt financing.

With a Debt to Equity ratio value of 4.30, SMFG is not doing good in the industry: 96.46% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	4.3
Debt/FCF	13.75
Altman-Z	N/A

ROIC/WACCN/A

WACC4.27%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for SMFG have decreased strongly by -52.72% 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 11.11% 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)-52.72%

EPS 3Y20.67%

EPS 5Y-10.04%

EPS Q2Q%-73.16%

Revenue 1Y (TTM)11.11%

Revenue growth 3Y14.42%

Revenue growth 5Y6.09%

Sales Q2Q%96.13%

3.2 Future

SMFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.81% yearly.

Based on estimates for the next years, SMFG will show a small growth in Revenue. The Revenue will grow by 6.12% on average per year.

EPS Next Y17.7%

EPS Next 2Y13.81%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year7.51%

Revenue Next 2Y6.12%

Revenue Next 3YN/A

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 stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

SMFG is valuated reasonably with a Price/Earnings ratio of 11.96.

SMFG's Price/Earnings ratio is in line with the industry average.

SMFG is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 10.16, which indicates a very decent valuation of SMFG.

SMFG's Price/Forward Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, SMFG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.96
Fwd PE	10.16

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SMFG is valued cheaply inside the industry as 95.71% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.04
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as SMFG's earnings are expected to grow with 13.81% in the coming years.

PEG (NY)0.68

PEG (5Y)N/A

EPS Next 2Y13.81%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.75%, SMFG has a reasonable but not impressive dividend return.

SMFG's Dividend Yield is a higher than the industry average which is at 3.51.

Compared to an average S&P500 Dividend Yield of 2.39, SMFG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.75%

5.2 History

The dividend of SMFG decreases each year by -10.63%.

SMFG has been paying a dividend for at least 10 years, so it has 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 2Y13.81%

EPS Next 3YN/A

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SUMITOMO MITSUI-SPONS ADR

NYSE:SMFG (6/13/2025, 8:04:00 PM)

After market: 15.07 0 (0%)

15.07

-0.09 (-0.59%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-14 2025-05-14/dmh

Earnings (Next)07-31 2025-07-31

Inst Owners40.4%

Inst Owner Change14.72%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap97.20B

Analysts79

Price Target18.65 (23.76%)

Short Float %0.05%

Short Ratio1.41

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.75%

Yearly Dividend0.44

Dividend Growth(5Y)-10.63%

DP34.98%

Div Incr Years0

Div Non Decr Years0

Ex-Date03-28 2025-03-28 (62)

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)-2.51%

PT rev (3m)6.82%

EPS NQ rev (1m)-1.2%

EPS NQ rev (3m)-1.2%

EPS NY rev (1m)-0.59%

EPS NY rev (3m)2.6%

Revenue NQ rev (1m)0.31%

Revenue NQ rev (3m)0.31%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.02%

Valuation

		Industry Rank	Sector Rank
PE	11.96
Fwd PE	10.16
P/S	2.5
P/FCF	3.04
P/OCF	2.81
P/B	0.95
P/tB	1.02
EV/EBITDA	N/A

EPS(TTM)1.26

EY8.36%

EPS(NY)1.48

Fwd EY9.84%

FCF(TTM)4.96

FCFY32.95%

OCF(TTM)5.36

OCFY35.57%

SpS6.03

BVpS15.86

TBVpS14.76

PEG (NY)0.68

PEG (5Y)N/A

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	82.37%

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

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 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	4.3
Debt/FCF	13.75
Debt/EBITDA	N/A
Cap/Depr	130.7%
Cap/Sales	6.57%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	390.7%
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)-52.72%

EPS 3Y20.67%

EPS 5Y-10.04%

EPS Q2Q%-73.16%

EPS Next Y17.7%

EPS Next 2Y13.81%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)11.11%

Revenue growth 3Y14.42%

Revenue growth 5Y6.09%

Sales Q2Q%96.13%

Revenue Next Year7.51%

Revenue Next 2Y6.12%

Revenue Next 3YN/A

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 1Y1733.79%

FCF growth 3Y54.12%

FCF growth 5Y-7.61%

OCF growth 1Y673.02%

OCF growth 3Y47.6%

OCF growth 5Y-6.85%

SUMITOMO MITSUI-SPONS ADR (SMFG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens