SUMITOMO MITSUI-SPONS ADR (SMFG) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:SMFG • US86562M2098
21.125 USD
+0.14 (+0.64%)
Last: Feb 2, 2026, 12:58 PM
SMFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 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.
- SMFG had positive earnings in each of the past 5 years.
- SMFG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 0.45%, SMFG is not doing good in the industry: 80.94% of the companies in the same industry are doing better.
- With a Return On Equity value of 9.14%, SMFG perfoms like the industry average, outperforming 52.22% of the companies in the same 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
- The Profit Margin of SMFG (24.73%) is comparable to the rest of the 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.
- The number of shares outstanding for SMFG has been reduced compared to 1 year ago.
- Compared to 5 years ago, SMFG has more shares outstanding
- Compared to 1 year ago, SMFG has a worse debt to assets ratio.
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 95.04% 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 impressive 21.79% over the past year.
- Measured over the past years, SMFG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.06% on average per year.
- Looking at the last year, SMFG shows a small growth in Revenue. The Revenue has grown by 1.27% 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)21.79%
EPS 3Y20.82%
EPS 5Y12.06%
EPS Q2Q%59.91%
Revenue 1Y (TTM)1.27%
Revenue growth 3Y14.42%
Revenue growth 5Y6.09%
Sales Q2Q%-44.39%
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 5.30% on average per year.
EPS Next Y32.06%
EPS Next 2Y20.25%
EPS Next 3Y15.43%
EPS Next 5YN/A
Revenue Next Year6.67%
Revenue Next 2Y5.51%
Revenue Next 3Y5.3%
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
- SMFG is valuated correctly with a Price/Earnings ratio of 15.09.
- Compared to the rest of the industry, the Price/Earnings ratio of SMFG indicates a slightly more expensive valuation: SMFG is more expensive than 68.93% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. SMFG is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 12.37, which indicates a correct valuation of SMFG.
- Based on the Price/Forward Earnings ratio, SMFG is valued a bit more expensive than 60.84% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. SMFG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.09 | ||
| Fwd PE | 12.37 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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.
- A more expensive valuation may be justified as SMFG's earnings are expected to grow with 15.43% in the coming years.
PEG (NY)0.47
PEG (5Y)1.25
EPS Next 2Y20.25%
EPS Next 3Y15.43%
5. Dividend
5.1 Amount
- SMFG has a Yearly Dividend Yield of 2.87%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.67, SMFG has a dividend in line with its industry peers.
- SMFG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.87% |
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%
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 15.09 and the Price/Book (PB) ratio is 1.37.
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.