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 395 industry peers in the Banks industry. SMFG may be in some trouble as it scores bad on both profitability and health. SMFG is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SMFG was profitable.

In the past year SMFG had a positive cash flow from operations.

Each year in the past 5 years SMFG has been profitable.

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 80.00% of its industry peers.

With a Return On Equity value of 8.01%, SMFG perfoms like the industry average, outperforming 47.59% of the companies in the same 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

The Profit Margin of SMFG (21.08%) is worse than 61.01% of its industry peers.

SMFG's Profit Margin has improved in the last couple of years.

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 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.

SMFG has a Debt to FCF ratio of 14.13. This is amonst the worse of the industry: SMFG underperforms 80.25% of its industry peers.

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 95.70% 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.

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.

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

Based on estimates for the next years, SMFG will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.58% on average per year.

SMFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.97% yearly.

EPS Next Y17.98%

EPS Next 2Y13.82%

EPS Next 3Y11.58%

EPS Next 5YN/A

Revenue Next Year6.71%

Revenue Next 2Y5.47%

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.96, the valuation of SMFG can be described as correct.

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

When comparing the Price/Earnings ratio of SMFG to the average of the S&P500 Index (26.90), we can say SMFG is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 10.13, the valuation of SMFG can be described as reasonable.

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

When comparing the Price/Forward Earnings ratio of SMFG to the average of the S&P500 Index (22.52), we can say SMFG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.96
Fwd PE	10.13

4.2 Price Multiples

95.44% of the companies in the same industry are more expensive than SMFG, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	3.42
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)0.72

PEG (5Y)N/A

EPS Next 2Y13.82%

EPS Next 3Y11.58%

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5. Dividend

5.1 Amount

SMFG has a Yearly Dividend Yield of 3.35%. Purely for dividend investing, there may be better candidates out there.

SMFG's Dividend Yield is a higher than the industry average which is at 3.17.

SMFG's Dividend Yield is a higher than the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	3.35%

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 2Y13.82%

EPS Next 3Y11.58%

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SUMITOMO MITSUI-SPONS ADR

NYSE:SMFG (9/3/2025, 9:47:04 AM)

16.065

-0.4 (-2.46%)

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 Owners40.4%

Inst Owner Change2.23%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap103.00B

Analysts79

Price Target18.41 (14.6%)

Short Float %0.04%

Short Ratio1.18

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.35%

Yearly Dividend0.43

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)1.04%

PT rev (3m)-3.86%

EPS NQ rev (1m)0.08%

EPS NQ rev (3m)0.55%

EPS NY rev (1m)0.32%

EPS NY rev (3m)0.79%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-0.15%

Revenue NY rev (3m)-0.14%

Valuation

		Industry Rank	Sector Rank
PE	12.96
Fwd PE	10.13
P/S	2.74
P/FCF	3.42
P/OCF	3.16
P/B	1.04
P/tB	1.12
EV/EBITDA	N/A

EPS(TTM)1.24

EY7.72%

EPS(NY)1.59

Fwd EY9.87%

FCF(TTM)4.7

FCFY29.27%

OCF(TTM)5.09

OCFY31.67%

SpS5.86

BVpS15.43

TBVpS14.36

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	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

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	4.31
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 Y17.98%

EPS Next 2Y13.82%

EPS Next 3Y11.58%

EPS Next 5YN/A

Revenue 1Y (TTM)12.03%

Revenue growth 3Y14.42%

Revenue growth 5Y6.09%

Sales Q2Q%-3.1%

Revenue Next Year6.71%

Revenue Next 2Y5.47%

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