(SMFG) Sumitomo Mitsui Financial - Ratings and Ratios
Exchange: NYSE •
Country: Japan •
Currency: USD •
Type: Common Stock •
ISIN: US86562M2098
Banking, Leasing, Securities, Consumer Finance, Advisory
Dividends
| Dividend Yield | 2.80% |
| Yield on Cost 5y | 10.77% |
| Yield CAGR 5y | 2.68% |
| Payout Consistency | 83.1% |
| Payout Ratio | 0.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 29.9% |
| Value at Risk 5%th | 46.0% |
| Relative Tail Risk | -6.40% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.88 |
| Alpha | 11.96 |
| CAGR/Max DD | 1.81 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.522 |
| Beta | 1.020 |
| Beta Downside | 1.453 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.67% |
| Mean DD | 5.21% |
| Median DD | 4.13% |
Description: SMFG Sumitomo Mitsui Financial December 02, 2025
Sumitomo Mitsui Financial Group (SMFG) is a diversified Japanese banking conglomerate operating through four business units: Wholesale, Retail, Global, and Global Markets. It offers a full suite of financial services-including loans, deposits, securities, leasing, and advisory-across Japan and major international regions such as the Americas, Europe, the Middle East, Asia, and Oceania.
Key metrics: as of FY2024, SMFG reported a net profit of ¥1.2 trillion and a return on equity (ROE) of 8.3%, supported by a robust Common Equity Tier 1 (CET1) ratio of 13.5%. The bank’s loan portfolio grew 4.2% year-over-year, driven by rising demand for corporate financing in the U.S. and Europe, while Japan’s ultra-low interest-rate environment continues to compress net interest margins, prompting accelerated digital transformation initiatives.
For a deeper dive into SMFG’s valuation and risk profile, the ValueRay analysis provides useful data and insights.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (1386.33b TTM) > 0 and > 6% of Revenue (6% = 580.94b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 1.46pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1622 % (prev -1877 %; Δ 255.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 4969.42b > Net Income 1386.33b (YES >=105%, WARN >=100%) |
| Net Debt (-14281.46b) to EBITDA (1948.02b) ratio: -7.33 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.32 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.85b) change vs 12m ago -2.26% (target <= -2.0% for YES) |
| Gross Margin 49.88% (prev 19.93%; Δ 29.96pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.25% (prev 2.10%; Δ 1.15pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.43 (EBITDA TTM 1948.02b / Interest Expense TTM 4501.78b) >= 6 (WARN >= 3) |
Altman Z'' -3.18
| (A) -0.51 = (Total Current Assets 72818.80b - Total Current Liabilities 229848.30b) / Total Assets 305905.91b |
| (B) 0.03 = Retained Earnings (Balance) 8660.59b / Total Assets 305905.91b |
| (C) 0.01 = EBIT TTM 1948.02b / Avg Total Assets 297964.25b |
| (D) 0.05 = Book Value of Equity 14592.05b / Total Liabilities 290601.66b |
| Total Rating: -3.18 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 69.78
| 1. Piotroski 4.0pt |
| 2. FCF Yield 115.5% |
| 3. FCF Margin 47.53% |
| 4. Debt/Equity 3.85 |
| 5. Debt/Ebitda -7.33 |
| 6. ROIC - WACC (= -0.51)% |
| 7. RoE 9.32% |
| 8. Rev. Trend 75.72% |
| 9. EPS Trend 36.58% |
What is the price of SMFG shares?
As of December 06, 2025, the stock is trading at USD 18.96 with a total of 2,507,830 shares traded.
Over the past week, the price has changed by +4.06%, over one month by +17.47%, over three months by +17.24% and over the past year by +29.19%.
Over the past week, the price has changed by +4.06%, over one month by +17.47%, over three months by +17.24% and over the past year by +29.19%.
Is SMFG a buy, sell or hold?
Sumitomo Mitsui Financial has received a consensus analysts rating of 5.00.
Therefore, it is recommended to buy SMFG.
- Strong Buy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SMFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 18.6 | -1.8% |
| Analysts Target Price | 18.6 | -1.8% |
| ValueRay Target Price | 26.3 | 38.9% |
SMFG Fundamental Data Overview December 02, 2025
Market Cap JPY = 18267.08b (117.74b USD * 155.1421 USD.JPY)
P/E Trailing = 13.3333
P/E Forward = 11.7233
P/S = 0.0344
P/B = 1.2039
P/EG = 1.2469
Beta = 0.159
Revenue TTM = 9682.39b JPY
EBIT TTM = 1948.02b JPY
EBITDA TTM = 1948.02b JPY
Long Term Debt = 24722.51b JPY (from longTermDebt, last quarter)
Short Term Debt = 33593.99b JPY (from shortTermDebt, last quarter)
Debt = 58316.50b JPY (from shortLongTermDebtTotal, last quarter)
Net Debt = -14281.46b JPY (from netDebt column, last quarter)
Enterprise Value = 3985.63b JPY (18267.08b + Debt 58316.50b - CCE 72597.96b)
Interest Coverage Ratio = 0.43 (Ebit TTM 1948.02b / Interest Expense TTM 4501.78b)
FCF Yield = 115.5% (FCF TTM 4602.46b / Enterprise Value 3985.63b)
FCF Margin = 47.53% (FCF TTM 4602.46b / Revenue TTM 9682.39b)
Net Margin = 14.32% (Net Income TTM 1386.33b / Revenue TTM 9682.39b)
Gross Margin = 49.88% ((Revenue TTM 9682.39b - Cost of Revenue TTM 4852.55b) / Revenue TTM)
Gross Margin QoQ = 56.23% (prev 49.79%)
Tobins Q-Ratio = 0.01 (Enterprise Value 3985.63b / Total Assets 305905.91b)
Interest Expense / Debt = 1.97% (Interest Expense 1149.60b / Debt 58316.50b)
Taxrate = 29.62% (235.17b / 793.90b)
NOPAT = 1370.98b (EBIT 1948.02b * (1 - 29.62%))
Current Ratio = 0.32 (Total Current Assets 72818.80b / Total Current Liabilities 229848.30b)
Debt / Equity = 3.85 (Debt 58316.50b / totalStockholderEquity, last quarter 15166.41b)
Debt / EBITDA = -7.33 (Net Debt -14281.46b / EBITDA 1948.02b)
Debt / FCF = -3.10 (Net Debt -14281.46b / FCF TTM 4602.46b)
Total Stockholder Equity = 14869.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 1386.33b / Total Assets 305905.91b)
RoE = 9.32% (Net Income TTM 1386.33b / Total Stockholder Equity 14869.70b)
RoCE = 4.92% (EBIT 1948.02b / Capital Employed (Equity 14869.70b + L.T.Debt 24722.51b))
RoIC = 2.88% (NOPAT 1370.98b / Invested Capital 47595.98b)
WACC = 3.39% (E(18267.08b)/V(76583.59b) * Re(9.77%) + D(58316.50b)/V(76583.59b) * Rd(1.97%) * (1-Tc(0.30)))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.81%
[DCF Debug] Terminal Value 63.07% ; FCFE base≈2817.49b ; Y1≈1849.81b ; Y5≈845.93b
Fair Price DCF = 2001 (DCF Value 12803.08b / Shares Outstanding 6.40b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 36.58 | EPS CAGR: 28.23% | SUE: 0.01 | # QB: 0
Revenue Correlation: 75.72 | Revenue CAGR: 30.48% | SUE: 0.55 | # QB: 0
EPS current Year (2026-03-31): EPS=1.48 | Chg30d=+0.094 | Revisions Net=+1 | Growth EPS=+20.2% | Growth Revenue=+9.1%
EPS next Year (2027-03-31): EPS=1.65 | Chg30d=N/A | Revisions Net=+0 | Growth EPS=+11.1% | Growth Revenue=+104.2%
P/E Trailing = 13.3333
P/E Forward = 11.7233
P/S = 0.0344
P/B = 1.2039
P/EG = 1.2469
Beta = 0.159
Revenue TTM = 9682.39b JPY
EBIT TTM = 1948.02b JPY
EBITDA TTM = 1948.02b JPY
Long Term Debt = 24722.51b JPY (from longTermDebt, last quarter)
Short Term Debt = 33593.99b JPY (from shortTermDebt, last quarter)
Debt = 58316.50b JPY (from shortLongTermDebtTotal, last quarter)
Net Debt = -14281.46b JPY (from netDebt column, last quarter)
Enterprise Value = 3985.63b JPY (18267.08b + Debt 58316.50b - CCE 72597.96b)
Interest Coverage Ratio = 0.43 (Ebit TTM 1948.02b / Interest Expense TTM 4501.78b)
FCF Yield = 115.5% (FCF TTM 4602.46b / Enterprise Value 3985.63b)
FCF Margin = 47.53% (FCF TTM 4602.46b / Revenue TTM 9682.39b)
Net Margin = 14.32% (Net Income TTM 1386.33b / Revenue TTM 9682.39b)
Gross Margin = 49.88% ((Revenue TTM 9682.39b - Cost of Revenue TTM 4852.55b) / Revenue TTM)
Gross Margin QoQ = 56.23% (prev 49.79%)
Tobins Q-Ratio = 0.01 (Enterprise Value 3985.63b / Total Assets 305905.91b)
Interest Expense / Debt = 1.97% (Interest Expense 1149.60b / Debt 58316.50b)
Taxrate = 29.62% (235.17b / 793.90b)
NOPAT = 1370.98b (EBIT 1948.02b * (1 - 29.62%))
Current Ratio = 0.32 (Total Current Assets 72818.80b / Total Current Liabilities 229848.30b)
Debt / Equity = 3.85 (Debt 58316.50b / totalStockholderEquity, last quarter 15166.41b)
Debt / EBITDA = -7.33 (Net Debt -14281.46b / EBITDA 1948.02b)
Debt / FCF = -3.10 (Net Debt -14281.46b / FCF TTM 4602.46b)
Total Stockholder Equity = 14869.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 1386.33b / Total Assets 305905.91b)
RoE = 9.32% (Net Income TTM 1386.33b / Total Stockholder Equity 14869.70b)
RoCE = 4.92% (EBIT 1948.02b / Capital Employed (Equity 14869.70b + L.T.Debt 24722.51b))
RoIC = 2.88% (NOPAT 1370.98b / Invested Capital 47595.98b)
WACC = 3.39% (E(18267.08b)/V(76583.59b) * Re(9.77%) + D(58316.50b)/V(76583.59b) * Rd(1.97%) * (1-Tc(0.30)))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.81%
[DCF Debug] Terminal Value 63.07% ; FCFE base≈2817.49b ; Y1≈1849.81b ; Y5≈845.93b
Fair Price DCF = 2001 (DCF Value 12803.08b / Shares Outstanding 6.40b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 36.58 | EPS CAGR: 28.23% | SUE: 0.01 | # QB: 0
Revenue Correlation: 75.72 | Revenue CAGR: 30.48% | SUE: 0.55 | # QB: 0
EPS current Year (2026-03-31): EPS=1.48 | Chg30d=+0.094 | Revisions Net=+1 | Growth EPS=+20.2% | Growth Revenue=+9.1%
EPS next Year (2027-03-31): EPS=1.65 | Chg30d=N/A | Revisions Net=+0 | Growth EPS=+11.1% | Growth Revenue=+104.2%
Additional Sources for SMFG Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle