SMFG Fundamental Analysis - SUMITOMO MITSUI-SPONS ADR

Fundamental Rating

Overall SMFG gets a fundamental rating of 3 out of 10. We evaluated SMFG against 393 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

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.

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 80.41% of its industry peers.

SMFG has a Return On Equity (8.01%) which 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 60.81% 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.

SMFG has less shares outstanding than it did 1 year ago.

SMFG has more shares outstanding than it did 5 years ago.

The debt/assets ratio for SMFG is higher compared to a year ago.

2.2 Solvency

SMFG has a debt to FCF ratio of 13.75. This is a negative value and a sign of low solvency as SMFG would need 13.75 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 13.75, SMFG is doing worse than 81.68% of the companies in the same industry.

SMFG has a Debt/Equity ratio of 4.30. This is a high value indicating a heavy dependency on external financing.

SMFG has a Debt to Equity ratio of 4.30. This is amonst the worse of the industry: SMFG underperforms 96.44% of its industry peers.

		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

SMFG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -52.72%.

SMFG shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.04% yearly.

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 3Y20.81%

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.

SMFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.12% yearly.

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.67, which indicates a correct valuation of SMFG.

Compared to the rest of the industry, the Price/Earnings ratio of SMFG is on the same level as its industry peers.

SMFG is valuated cheaply when we compare the Price/Earnings ratio to 28.05, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 10.75 indicates a reasonable 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 37.67, SMFG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.67
Fwd PE	10.75

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SMFG is valued cheaply inside the industry as 95.42% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.21
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 13.81% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.72

PEG (5Y)N/A

EPS Next 2Y13.81%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

SMFG has a Yearly Dividend Yield of 3.56%.

SMFG's Dividend Yield is a higher than the industry average which is at 3.40.

SMFG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	3.56%

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

SMFG pays out 34.98% of its income as dividend. This is a sustainable payout ratio.

DP34.98%

EPS Next 2Y13.81%

EPS Next 3YN/A

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SUMITOMO MITSUI-SPONS ADR

NYSE:SMFG (7/28/2025, 12:19:20 PM)

15.5801

-0.65 (-4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

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

Inst Owners40.4%

Inst Owner Change-0.53%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap100.14B

Analysts79

Price Target18.23 (17.01%)

Short Float %0.06%

Short Ratio1.81

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.56%

Yearly Dividend0.43

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)-1.91%

PT rev (3m)-4.72%

EPS NQ rev (1m)0.35%

EPS NQ rev (3m)-0.85%

EPS NY rev (1m)0.35%

EPS NY rev (3m)-0.25%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.31%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	12.67
Fwd PE	10.75
P/S	2.65
P/FCF	3.21
P/OCF	2.98
P/B	1.01
P/tB	1.08
EV/EBITDA	N/A

EPS(TTM)1.23

EY7.89%

EPS(NY)1.45

Fwd EY9.3%

FCF(TTM)4.85

FCFY31.13%

OCF(TTM)5.24

OCFY33.61%

SpS5.89

BVpS15.49

TBVpS14.42

PEG (NY)0.72

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 3Y20.81%

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

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