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

NYSE:SMFG • US86562M2098

Current stock price

20.2 USD
+0.1 (+0.5%)
At close:
20.2 USD
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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

  • SMFG had positive earnings in the past year.
  • In the past year SMFG has reported a negative cash flow from operations.
  • 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.
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

  • With a Return On Assets value of 0.45%, SMFG is not doing good in the industry: 85.11% of the companies in the same industry are doing better.
  • The Return On Equity of SMFG (9.14%) is comparable to the rest of the industry.
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 in line with 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 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.
  • SMFG has less shares outstanding than it did 1 year ago.
  • SMFG has more shares outstanding than it did 5 years ago.
  • SMFG has a worse debt/assets ratio than last year.
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.
  • SMFG has a Debt to Equity ratio of 4.18. This is amonst the worse of the industry: SMFG underperforms 96.01% 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.
  • SMFG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.06% yearly.
  • Looking at the last year, SMFG shows a small growth in Revenue. The Revenue has grown by 7.32% 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)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

  • Based on estimates for the next years, SMFG will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.35% on average per year.
  • SMFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.81% yearly.
EPS Next Y40.87%
EPS Next 2Y24.07%
EPS Next 3Y18.35%
EPS Next 5YN/A
Revenue Next Year8.21%
Revenue Next 2Y8.76%
Revenue Next 3Y7.81%
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 accelerating: in the next years the growth will be better than in the last years.
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 100 200 300

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3

4. SMFG Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.33, the valuation of SMFG can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of SMFG indicates a slightly more expensive valuation: SMFG is more expensive than 67.82% of the companies listed in the same industry.
  • SMFG is valuated rather cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 11.50 indicates a reasonable valuation of SMFG.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SMFG indicates a slightly more expensive valuation: SMFG is more expensive than 61.70% of the companies listed in the same industry.
  • SMFG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.24.
Industry RankSector Rank
PE 14.33
Fwd PE 11.5
SMFG Price Earnings VS Forward Price EarningsSMFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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

  • SMFG's 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 18.35% in the coming years.
PEG (NY)0.35
PEG (5Y)1.19
EPS Next 2Y24.07%
EPS Next 3Y18.35%

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5

5. SMFG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.80%, SMFG has a reasonable but not impressive dividend return.
  • SMFG's Dividend Yield is comparable with the industry average which is at 2.56.
  • SMFG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.8%

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
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 2Y24.07%
EPS Next 3Y18.35%
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 (4/24/2026, 8:08:45 PM)

After market: 20.2 0 (0%)

20.2

+0.1 (+0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)05-13
Inst Owners40.64%
Inst Owner Change0%
Ins Owners0%
Ins Owner Change0%
Market Cap128.54B
Revenue(TTM)6.02T
Net Income(TTM)1.39T
Analysts81.05
Price Target24.43 (20.94%)
Short Float %0.1%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 2.8%
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)4.36%
PT rev (3m)19.87%
EPS NQ rev (1m)2.53%
EPS NQ rev (3m)3.92%
EPS NY rev (1m)2.54%
EPS NY rev (3m)9.36%
Revenue NQ rev (1m)-1.49%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)-0.18%
Revenue NY rev (3m)1.45%
Valuation
Industry RankSector Rank
PE 14.33
Fwd PE 11.5
P/S 3.66
P/FCF N/A
P/OCF N/A
P/B 1.35
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)1.41
EY6.98%
EPS(NY)1.76
Fwd EY8.69%
FCF(TTM)-4.71
FCFYN/A
OCF(TTM)-4.32
OCFYN/A
SpS5.52
BVpS14.94
TBVpS13.91
PEG (NY)0.35
PEG (5Y)1.19
Graham Number21.7742 (7.79%)
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 Y40.87%
EPS Next 2Y24.07%
EPS Next 3Y18.35%
EPS Next 5YN/A
Revenue 1Y (TTM)7.32%
Revenue growth 3Y14.42%
Revenue growth 5Y6.09%
Sales Q2Q%-36.21%
Revenue Next Year8.21%
Revenue Next 2Y8.76%
Revenue Next 3Y7.81%
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 3 / 10 to SUMITOMO MITSUI-SPONS ADR (SMFG). This can be considered as Overvalued.


Can you provide the profitability details for SUMITOMO MITSUI-SPONS ADR?

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 14.33 and the Price/Book (PB) ratio is 1.35.


Can you provide the financial health for SMFG stock?

The financial health rating of SUMITOMO MITSUI-SPONS ADR (SMFG) is 0 / 10.