SUMITOMO MITSUI-SPONS ADR (SMFG) Stock Fundamental Analysis
USA - NYSE:SMFG - US86562M2098 - ADR
17.48 USD
+0.91 (+5.49%)
17.71 USD
+0.23 (+1.32%)
We assign a fundamental rating of 3 out of 10 to SMFG. SMFG was compared to 388 industry peers in the Banks industry. SMFG has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
SMFG had a positive operating cash flow in the past year.
SMFG had positive earnings in each of the past 5 years.
SMFG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of SMFG (0.38%) is worse than 81.70% 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
SMFG has a worse Profit Margin (21.08%) than 61.60% 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
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.
Compared to 1 year ago, SMFG has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SMFG is 14.13, which is on the high side as it means it would take SMFG, 14.13 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 14.13, SMFG is doing worse than 80.41% of the companies in the same industry.
A Debt/Equity ratio of 4.31 is on the high side and indicates that SMFG has dependencies on debt financing.
SMFG's Debt to Equity ratio of 4.31 is on the low side compared to the rest of the industry. SMFG is outperformed by 95.62% 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
SMFG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -44.25%.
Measured over the past years, SMFG shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.04% on average per year.
SMFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.03%.
SMFG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.09% yearly.
EPS 1Y (TTM)-44.25%
EPS 3Y20.84%
EPS 5Y-10.04%
EPS Q2Q%3.28%
Revenue 1Y (TTM)12.03%
Revenue growth 3Y14.42%
Revenue growth 5Y6.09%
Sales Q2Q%-3.1%
3.2 Future
The Earnings Per Share is expected to grow by 11.72% 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 4.10% yearly.
EPS Next Y22.01%
EPS Next 2Y14.89%
EPS Next 3Y11.72%
EPS Next 5YN/A
Revenue Next Year4.5%
Revenue Next 2Y3.77%
Revenue Next 3Y4.1%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 14.69, SMFG is valued correctly.
Based on the Price/Earnings ratio, SMFG is valued a bit more expensive than 64.43% of the companies in the same industry.
SMFG is valuated rather cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.25, the valuation of SMFG can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as SMFG.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, SMFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.69 | ||
| Fwd PE | 11.25 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SMFG is valued cheaper than 94.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.87 | ||
| 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.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y14.89%
EPS Next 3Y11.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.14%, SMFG has a reasonable but not impressive dividend return.
SMFG's Dividend Yield is comparable with the industry average which is at 3.38.
SMFG's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
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
SMFG pays out 34.98% of its income as dividend. This is a sustainable payout ratio.
DP34.98%
EPS Next 2Y14.89%
EPS Next 3Y11.72%
17.48
+0.91 (+5.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.77%
Inst Owner Change-2.24%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap112.08B
Revenue(TTM)5.65T
Net Income(TTM)1.18T
Analysts78.89
Price Target18.85 (7.84%)
Short Float %0.05%
Short Ratio1.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
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)0%
PT rev (3m)3.71%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)0.08%
EPS NY rev (1m)1.78%
EPS NY rev (3m)3.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)-2.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.69 | ||
| Fwd PE | 11.25 | ||
| P/S | 3.1 | ||
| P/FCF | 3.87 | ||
| P/OCF | 3.57 | ||
| P/B | 1.18 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.19
EY6.81%
EPS(NY)1.55
Fwd EY8.89%
FCF(TTM)4.52
FCFY25.87%
OCF(TTM)4.89
OCFY27.99%
SpS5.64
BVpS14.84
TBVpS13.81
PEG (NY)0.67
PEG (5Y)N/A
Graham Number19.93
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)-44.25%
EPS 3Y20.84%
EPS 5Y-10.04%
EPS Q2Q%3.28%
EPS Next Y22.01%
EPS Next 2Y14.89%
EPS Next 3Y11.72%
EPS Next 5YN/A
Revenue 1Y (TTM)12.03%
Revenue growth 3Y14.42%
Revenue growth 5Y6.09%
Sales Q2Q%-3.1%
Revenue Next Year4.5%
Revenue Next 2Y3.77%
Revenue Next 3Y4.1%
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 5 / 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 14.69 and the Price/Book (PB) ratio is 1.18.
How financially healthy is SUMITOMO MITSUI-SPONS ADR?
The financial health rating of SUMITOMO MITSUI-SPONS ADR (SMFG) is 0 / 10.