SUMITOMO MITSUI-SPONS ADR (SMFG) Stock Fundamental Analysis
NYSE:SMFG • US86562M2098
22.44 USD
-0.4 (-1.75%)
At close: Feb 27, 2026
22.2195 USD
-0.22 (-0.98%)
After Hours: 2/27/2026, 8:04:00 PM
Taking everything into account, SMFG scores 3 out of 10 in our fundamental rating. SMFG was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of SMFG have multiple concerns. SMFG is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
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.
- In the past 5 years SMFG has always been profitable.
- Of the past 5 years SMFG 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of SMFG (0.45%) is worse than 82.59% of its industry peers.
- SMFG has a Return On Equity (9.14%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 24.73%, SMFG is in line with its industry, outperforming 50.13% of the companies in the same industry.
- 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) | 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
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
- The number of shares outstanding for SMFG has been increased compared to 5 years ago.
- SMFG has a worse debt/assets ratio than last year.
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 95.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 12.22% over the past year.
- 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.
- The Revenue has been growing slightly by 6.09% on average over the past years.
EPS 1Y (TTM)12.22%
EPS 3Y20.86%
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
- SMFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.43% yearly.
- Based on estimates for the next years, SMFG will show a small growth in Revenue. The Revenue will grow by 7.08% on average per year.
EPS Next Y32.06%
EPS Next 2Y20.25%
EPS Next 3Y15.43%
EPS Next 5YN/A
Revenue Next Year8.35%
Revenue Next 2Y7.99%
Revenue Next 3Y7.08%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 15.48 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 75.46% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of SMFG to the average of the S&P500 Index (27.07), we can say SMFG is valued slightly cheaper.
- SMFG is valuated correctly with a Price/Forward Earnings ratio of 13.30.
- 70.18% of the companies in the same industry are cheaper than SMFG, based on the Price/Forward Earnings ratio.
- SMFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.48 | ||
| Fwd PE | 13.3 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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.
- SMFG's earnings are expected to grow with 15.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)1.28
EPS Next 2Y20.25%
EPS Next 3Y15.43%
5. Dividend
5.1 Amount
- SMFG has a Yearly Dividend Yield of 2.67%. Purely for dividend investing, there may be better candidates out there.
- SMFG's Dividend Yield is comparable with the industry average which is at 2.73.
- SMFG's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
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 34.25% of its income as dividend. This is a sustainable payout ratio.
DP34.25%
EPS Next 2Y20.25%
EPS Next 3Y15.43%
22.44
-0.4 (-1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2026-01-30/dmh
Earnings (Next)05-12 2026-05-12/bmo
Inst Owners37.96%
Inst Owner Change2.37%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap142.75B
Revenue(TTM)6.02T
Net Income(TTM)1.39T
Analysts81.05
Price Target23.41 (4.32%)
Short Float %0.04%
Short Ratio1.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
Yearly Dividend0.41
Dividend Growth(5Y)-10.63%
DP34.25%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-30 2026-03-30 (79)
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)14.86%
PT rev (3m)20.46%
EPS NQ rev (1m)2.56%
EPS NQ rev (3m)3.4%
EPS NY rev (1m)0.09%
EPS NY rev (3m)8.28%
Revenue NQ rev (1m)-1.49%
Revenue NQ rev (3m)-1.49%
Revenue NY rev (1m)1.57%
Revenue NY rev (3m)3.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.48 | ||
| Fwd PE | 13.3 | ||
| P/S | 3.97 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.47 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.45
EY6.46%
EPS(NY)1.69
Fwd EY7.52%
FCF(TTM)-4.82
FCFYN/A
OCF(TTM)-4.42
OCFYN/A
SpS5.65
BVpS15.29
TBVpS14.23
PEG (NY)0.48
PEG (5Y)1.28
Graham Number22.33
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 3Y20.86%
EPS 5Y12.06%
EPS Q2Q%14.2%
EPS Next Y32.06%
EPS Next 2Y20.25%
EPS Next 3Y15.43%
EPS Next 5YN/A
Revenue 1Y (TTM)7.32%
Revenue growth 3Y14.42%
Revenue growth 5Y6.09%
Sales Q2Q%-36.21%
Revenue Next Year8.35%
Revenue Next 2Y7.99%
Revenue Next 3Y7.08%
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 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.
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 15.48 and the Price/Book (PB) ratio is 1.47.
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 32.06% in the next year.