SMFG Fundamental Analysis - SUMITOMO MITSUI-SPONS ADR

Fundamental Rating

Taking everything into account, SMFG scores 3 out of 10 in our fundamental rating. SMFG was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of SMFG have multiple concerns. SMFG has a decent growth rate and is not valued too expensively.

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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.

In the past 5 years SMFG has always been profitable.

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 80.05% 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 Profit Margin of 21.08%. This is in the lower half of the industry: SMFG underperforms 60.87% of its industry peers.

In the last couple of years the Profit Margin of SMFG has grown nicely.

The Operating Margin and Gross Margin are not available for SMFG so they could not be analyzed.

		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.

Compared to 1 year ago, SMFG has less shares outstanding

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

Compared to 1 year ago, SMFG has a worse debt to assets ratio.

2.2 Solvency

SMFG has a debt to FCF ratio of 14.13. This is a negative value and a sign of low solvency as SMFG would need 14.13 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 14.13, SMFG is doing worse than 81.33% 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.

The Debt to Equity ratio of SMFG (4.31) is worse than 95.65% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.31
Debt/FCF	14.13
Altman-Z	N/A

ROIC/WACCN/A

WACC4.26%

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 -44.25% in the last year.

The earnings per share for SMFG have been decreasing by -10.04% on average. This is quite bad

The Revenue has grown by 12.03% in the past year. This is quite good.

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

SMFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.67% yearly.

The Revenue is expected to grow by 3.97% on average over the next years.

EPS Next Y19.87%

EPS Next 2Y14.3%

EPS Next 3Y11.67%

EPS Next 5YN/A

Revenue Next Year4.13%

Revenue Next 2Y3.72%

Revenue Next 3Y3.97%

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 decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.15, SMFG is valued correctly.

SMFG's Price/Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Earnings ratio of 27.67, SMFG is valued rather cheaply.

A Price/Forward Earnings ratio of 10.16 indicates a reasonable valuation of SMFG.

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

SMFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.33, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.15
Fwd PE	10.16

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SMFG is valued cheaply inside the industry as 95.14% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.46
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.

PEG (NY)0.66

PEG (5Y)N/A

EPS Next 2Y14.3%

EPS Next 3Y11.67%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.38%, SMFG has a reasonable but not impressive dividend return.

SMFG's Dividend Yield is comparable with the industry average which is at 3.55.

SMFG's Dividend Yield is a higher than the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	3.38%

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 2Y14.3%

EPS Next 3Y11.67%

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SUMITOMO MITSUI-SPONS ADR

NYSE:SMFG (10/23/2025, 7:32:34 PM)

After market: 15.91 0 (0%)

15.91

-0.16 (-1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/dmh

Earnings (Next)11-12 2025-11-12

Inst Owners37.77%

Inst Owner Change-0.01%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap102.01B

Revenue(TTM)5649.39B

Net Income(TTM)1178.00B

Analysts78.89

Price Target19.1 (20.05%)

Short Float %0.03%

Short Ratio0.96

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.38%

Yearly Dividend0.42

Dividend Growth(5Y)-10.63%

DP34.98%

Div Incr Years0

Div Non Decr Years0

Ex-Date09-29 2025-09-29 (68)

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)4.79%

EPS NQ rev (1m)0.08%

EPS NQ rev (3m)0.46%

EPS NY rev (1m)1.6%

EPS NY rev (3m)2.31%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-0.04%

Revenue NY rev (3m)-2.55%

Valuation

		Industry Rank	Sector Rank
PE	13.15
Fwd PE	10.16
P/S	2.77
P/FCF	3.46
P/OCF	3.19
P/B	1.05
P/tB	1.13
EV/EBITDA	N/A

EPS(TTM)1.21

EY7.61%

EPS(NY)1.57

Fwd EY9.84%

FCF(TTM)4.6

FCFY28.94%

OCF(TTM)4.98

OCFY31.31%

SpS5.74

BVpS15.11

TBVpS14.06

PEG (NY)0.66

PEG (5Y)N/A

Graham Number20.28

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

WACC4.26%

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 Y19.87%

EPS Next 2Y14.3%

EPS Next 3Y11.67%

EPS Next 5YN/A

Revenue 1Y (TTM)12.03%

Revenue growth 3Y14.42%

Revenue growth 5Y6.09%

Sales Q2Q%-3.1%

Revenue Next Year4.13%

Revenue Next 2Y3.72%

Revenue Next 3Y3.97%

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) 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