SUMITOMO MITSUI-SPONS ADR (SMFG) Fundamental Analysis & Valuation

NYSE:SMFG • US86562M2098

Current stock price

19.55 USD
+0.53 (+2.79%)
Last:

This SMFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SMFG Profitability Analysis

1.1 Basic Checks

  • In the past year SMFG was profitable.
  • SMFG had a negative 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5T -5T 10T 15T

1.2 Ratios

  • SMFG has a Return On Assets of 0.45%. This is amonst the worse of the industry: SMFG underperforms 83.42% of its industry peers.
  • SMFG has a Return On Equity (9.14%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.45%
ROE 9.14%
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
SMFG Yearly ROA, ROE, ROICSMFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • SMFG has a Profit Margin (24.73%) which is comparable to the rest of the industry.
  • SMFG's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SMFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.73%
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
SMFG Yearly Profit, Operating, Gross MarginsSMFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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0

2. SMFG Health Analysis

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
  • Compared to 5 years ago, SMFG has more shares outstanding
  • Compared to 1 year ago, SMFG has a worse debt to assets ratio.
SMFG Yearly Shares OutstandingSMFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B
SMFG Yearly Total Debt VS Total AssetsSMFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100T 200T 300T

2.2 Solvency

  • SMFG has a Debt/Equity ratio of 4.18. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of SMFG (4.18) is worse than 95.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.18
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.27%
SMFG Yearly LT Debt VS Equity VS FCFSMFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10T 20T 30T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SMFG Growth Analysis

3.1 Past

  • SMFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.22%, which is quite good.
  • The Earnings Per Share has been growing by 12.06% on average over the past years. This is quite good.
  • Looking at the last year, SMFG shows a small growth in Revenue. The Revenue has grown by 7.32% in the last year.
  • Measured over the past years, SMFG shows a small growth in Revenue. The Revenue has been growing by 6.09% on average per year.
EPS 1Y (TTM)12.22%
EPS 3Y20.84%
EPS 5Y12.06%
EPS Q2Q%14.2%
Revenue 1Y (TTM)7.32%
Revenue growth 3Y14.42%
Revenue growth 5Y6.09%
Sales Q2Q%-36.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 17.91% 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 7.32% yearly.
EPS Next Y37.38%
EPS Next 2Y23.06%
EPS Next 3Y17.91%
EPS Next 5YN/A
Revenue Next Year8.41%
Revenue Next 2Y7.99%
Revenue Next 3Y7.32%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
SMFG Yearly Revenue VS EstimatesSMFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1T 2T 3T 4T 5T
SMFG Yearly EPS VS EstimatesSMFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 50 100 150 200 250

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4

4. SMFG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.87 indicates a correct valuation of SMFG.
  • Compared to the rest of the industry, the Price/Earnings ratio of SMFG indicates a slightly more expensive valuation: SMFG is more expensive than 64.74% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.75, SMFG is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 11.31, the valuation of SMFG can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as SMFG.
  • When comparing the Price/Forward Earnings ratio of SMFG to the average of the S&P500 Index (22.10), we can say SMFG is valued slightly cheaper.
Industry RankSector Rank
PE 13.87
Fwd PE 11.31
SMFG Price Earnings VS Forward Price EarningsSMFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

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

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 17.91% in the coming years.
PEG (NY)0.37
PEG (5Y)1.15
EPS Next 2Y23.06%
EPS Next 3Y17.91%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. SMFG Dividend Analysis

5.1 Amount

  • SMFG has a Yearly Dividend Yield of 2.99%. Purely for dividend investing, there may be better candidates out there.
  • SMFG's Dividend Yield is comparable with the industry average which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.89, SMFG pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.99%

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
SMFG Yearly Dividends per shareSMFG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50 100 150 200 250

5.3 Sustainability

  • 34.25% of the earnings are spent on dividend by SMFG. This is a low number and sustainable payout ratio.
DP34.25%
EPS Next 2Y23.06%
EPS Next 3Y17.91%
SMFG Yearly Income VS Free CF VS DividendSMFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5T -5T 10T 15T
SMFG Dividend Payout.SMFG Dividend Payout, showing the Payout Ratio.SMFG Dividend Payout.PayoutRetained Earnings

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SMFG Fundamentals: All Metrics, Ratios and Statistics

SUMITOMO MITSUI-SPONS ADR

NYSE:SMFG (3/31/2026, 1:39:09 PM)

19.55

+0.53 (+2.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)05-12
Inst Owners40.07%
Inst Owner Change2.37%
Ins OwnersN/A
Ins Owner Change0%
Market Cap124.40B
Revenue(TTM)6.02T
Net Income(TTM)1.39T
Analysts81.05
Price Target23.41 (19.74%)
Short Float %0.1%
Short Ratio2.67
Dividend
Industry RankSector Rank
Dividend Yield 2.99%
Yearly Dividend0.4
Dividend Growth(5Y)-10.63%
DP34.25%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-30
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)25.49%
Min EPS beat(2)9.68%
Max EPS beat(2)41.3%
EPS beat(4)3
Avg EPS beat(4)8.05%
Min EPS beat(4)-47.86%
Max EPS beat(4)41.3%
EPS beat(8)7
Avg EPS beat(8)14.86%
EPS beat(12)10
Avg EPS beat(12)9.39%
EPS beat(16)14
Avg EPS beat(16)18.4%
Revenue beat(2)2
Avg Revenue beat(2)82.29%
Min Revenue beat(2)39.06%
Max Revenue beat(2)125.53%
Revenue beat(4)4
Avg Revenue beat(4)128.46%
Min Revenue beat(4)39.06%
Max Revenue beat(4)190.35%
Revenue beat(8)8
Avg Revenue beat(8)138.87%
Revenue beat(12)12
Avg Revenue beat(12)124.76%
Revenue beat(16)16
Avg Revenue beat(16)106.25%
PT rev (1m)0%
PT rev (3m)18.66%
EPS NQ rev (1m)2.53%
EPS NQ rev (3m)3.92%
EPS NY rev (1m)4%
EPS NY rev (3m)6.65%
Revenue NQ rev (1m)-1.49%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)1.63%
Valuation
Industry RankSector Rank
PE 13.87
Fwd PE 11.31
P/S 3.54
P/FCF N/A
P/OCF N/A
P/B 1.31
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)1.41
EY7.21%
EPS(NY)1.73
Fwd EY8.84%
FCF(TTM)-4.71
FCFYN/A
OCF(TTM)-4.32
OCFYN/A
SpS5.52
BVpS14.95
TBVpS13.92
PEG (NY)0.37
PEG (5Y)1.15
Graham Number21.78
Profitability
Industry RankSector Rank
ROA 0.45%
ROE 9.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.73%
GM N/A
FCFM 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
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-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 4.18
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 141.53%
Cap/Sales 7.13%
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-Score5
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)12.22%
EPS 3Y20.84%
EPS 5Y12.06%
EPS Q2Q%14.2%
EPS Next Y37.38%
EPS Next 2Y23.06%
EPS Next 3Y17.91%
EPS Next 5YN/A
Revenue 1Y (TTM)7.32%
Revenue growth 3Y14.42%
Revenue growth 5Y6.09%
Sales Q2Q%-36.21%
Revenue Next Year8.41%
Revenue Next 2Y7.99%
Revenue Next 3Y7.32%
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 1Y-134.75%
FCF growth 3Y52.76%
FCF growth 5Y-8.1%
OCF growth 1Y-131.1%
OCF growth 3Y46.39%
OCF growth 5Y-7.31%

SUMITOMO MITSUI-SPONS ADR / SMFG Fundamental Analysis FAQ

What is the fundamental rating for SMFG stock?

ChartMill assigns a fundamental rating of 3 / 10 to SMFG.


What is the valuation status for SMFG stock?

ChartMill assigns a valuation rating of 4 / 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 are the PE and PB ratios of SUMITOMO MITSUI-SPONS ADR (SMFG) stock?

The Price/Earnings (PE) ratio for SUMITOMO MITSUI-SPONS ADR (SMFG) is 13.87 and the Price/Book (PB) ratio is 1.31.


What is the expected EPS growth for SUMITOMO MITSUI-SPONS ADR (SMFG) stock?

The Earnings per Share (EPS) of SUMITOMO MITSUI-SPONS ADR (SMFG) is expected to grow by 37.38% in the next year.