(SMFG) Sumitomo Mitsui Financial - Ratings and Ratios
Banking, Leasing, Securities, Finance, Investments
SMFG EPS (Earnings per Share)
SMFG Revenue
Description: SMFG Sumitomo Mitsui Financial
Sumitomo Mitsui Financial Group Inc (NYSE:SMFG) is a diversified banking institution with a global presence, operating through four main business segments: Wholesale, Retail, Global, and Global Markets. The companys diverse range of services includes corporate banking, leasing, securities, consumer finance, and wealth management, among others.
From a business perspective, SMFGs segments cater to various customer needs. The Wholesale Business Unit provides financing solutions, risk management products, and advisory services to corporate clients. The Retail Business Unit focuses on individual customers, offering wealth management products, credit cards, and consumer finance services. The Global Business Unit serves international clients, providing trade finance, project finance, and cash management services. The Global Markets Business Unit manages the companys asset liability and portfolio, while also offering sales and trading services.
Key Performance Indicators (KPIs) for SMFG include its Return on Equity (RoE) of 7.91%, indicating a relatively stable return for shareholders. The companys Price-to-Earnings (P/E) ratio of 12.08 and Forward P/E of 10.14 suggest that the stock may be undervalued compared to its earnings growth potential. Additionally, SMFGs Market Capitalization of $97.7 billion USD positions it as a significant player in the global banking industry.
To further analyze SMFGs performance, other relevant KPIs could include its Net Interest Margin (NIM), which measures the difference between interest income and expense, and its Non-Performing Loans (NPL) ratio, which indicates the quality of its loan portfolio. A higher NIM and lower NPL ratio would generally be considered positive indicators of the companys financial health.
Overall, SMFGs diversified business model and global presence provide a solid foundation for its operations. However, a more in-depth analysis of its financials and KPIs is necessary to determine its investment potential and identify areas for improvement.
SMFG Stock Overview
| Market Cap in USD | 107,671m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1949-05-01 |
SMFG Stock Ratings
| Growth Rating | 88.5% |
| Fundamental | 66.5% |
| Dividend Rating | 53.8% |
| Return 12m vs S&P 500 | 9.73% |
| Analyst Rating | 5.0 of 5 |
SMFG Dividends
| Dividend Yield 12m | 3.16% |
| Yield on Cost 5y | 10.21% |
| Annual Growth 5y | 2.09% |
| Payout Consistency | 80.6% |
| Payout Ratio | 2.8% |
SMFG Growth Ratios
| Growth Correlation 3m | 58.2% |
| Growth Correlation 12m | 74.8% |
| Growth Correlation 5y | 90.4% |
| CAGR 5y | 28.13% |
| CAGR/Max DD 5y | 1.01 |
| Sharpe Ratio 12m | 1.44 |
| Alpha | 6.35 |
| Beta | 1.429 |
| Volatility | 26.94% |
| Current Volume | 6995.6k |
| Average Volume 20d | 1672.3k |
| Stop Loss | 16 (-3.2%) |
| Signal | 0.67 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (1183.54b TTM) > 0 and > 6% of Revenue (6% = 435.05b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 1.45pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -2105 % (prev -3086 %; Δ 981.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 4969.42b > Net Income 1183.54b (YES >=105%, WARN >=100%) |
| Net Debt (-16644.74b) to EBITDA (6384.97b) ratio: -2.61 <= 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 (3.87b) change vs 12m ago -1.56% (target <= -2.0% for YES) |
| Gross Margin 33.23% (prev 39.97%; Δ -6.74pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.41% (prev 1.53%; Δ 0.89pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.37 (EBITDA TTM 6384.97b / Interest Expense TTM 4450.14b) >= 6 (WARN >= 3) |
Altman Z'' -3.07
| (A) -0.51 = (Total Current Assets 72501.88b - Total Current Liabilities 225165.27b) / Total Assets 298919.97b |
| (B) 0.03 = Retained Earnings (Balance) 8198.08b / Total Assets 298919.97b |
| (C) 0.02 = EBIT TTM 6104.19b / Avg Total Assets 300455.07b |
| (D) 0.05 = Book Value of Equity 13962.66b / Total Liabilities 284312.03b |
| Total Rating: -3.07 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 66.45
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield data missing |
| 3. FCF Margin 63.47% = 7.50 |
| 4. Debt/Equity 3.84 = -1.87 |
| 5. Debt/Ebitda 8.71 = -2.50 |
| 6. ROIC - WACC 5.28% = 6.59 |
| 7. RoE 8.01% = 0.67 |
| 8. Rev. Trend 85.08% = 4.25 |
| 9. Rev. CAGR 34.13% = 2.50 |
| 10. EPS Trend 12.37% = 0.31 |
| 11. EPS CAGR 14.93% = 1.49 |
What is the price of SMFG shares?
Over the past week, the price has changed by -0.24%, over one month by +6.44%, over three months by +9.33% and over the past year by +29.13%.
Is Sumitomo Mitsui Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SMFG is around 19.78 USD . This means that SMFG is currently undervalued and has a potential upside of +19.66% (Margin of Safety).
Is SMFG a buy, sell or hold?
- 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 | 16.5 | -0.1% |
| Analysts Target Price | 16.9 | 2% |
| ValueRay Target Price | 21.1 | 27.5% |
Last update: 2025-08-16 05:05
SMFG Fundamental Data Overview
CCE Cash And Equivalents = 72273.62b JPY (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.5081
P/E Forward = 11.4943
P/S = 0.0322
P/B = 1.0995
P/EG = 1.4553
Beta = 0.22
Revenue TTM = 7250.89b JPY
EBIT TTM = 6104.19b JPY
EBITDA TTM = 6384.97b JPY
Long Term Debt = 25252.56b JPY (from longTermDebt, last quarter)
Short Term Debt = 30376.32b JPY (from shortTermDebt, last quarter)
Debt = 55628.88b JPY (Calculated: Short Term 30376.32b + Long Term 25252.56b)
Net Debt = -16644.74b JPY (from netDebt column, last quarter)
Enterprise Value = -780.52b JPY (15864.22b + Debt 55628.88b - CCE 72273.62b)
Interest Coverage Ratio = 1.37 (Ebit TTM 6104.19b / Interest Expense TTM 4450.14b)
FCF Yield = -589.7% (FCF TTM 4602.46b / Enterprise Value -780.52b)
FCF Margin = 63.47% (FCF TTM 4602.46b / Revenue TTM 7250.89b)
Net Margin = 16.32% (Net Income TTM 1183.54b / Revenue TTM 7250.89b)
Gross Margin = 33.23% ((Revenue TTM 7250.89b - Cost of Revenue TTM 4841.08b) / Revenue TTM)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -780.52b / Book Value Of Equity 13962.66b)
Interest Expense / Debt = 1.95% (Interest Expense 1086.16b / Debt 55628.88b)
Taxrate = 30.18% (from yearly Income Tax Expense: 513.07b / 1699.94b)
NOPAT = 4261.87b (EBIT 6104.19b * (1 - 30.18%))
Current Ratio = 0.32 (Total Current Assets 72501.88b / Total Current Liabilities 225165.27b)
Debt / Equity = 3.84 (Debt 55628.88b / last Quarter total Stockholder Equity 14472.58b)
Debt / EBITDA = 8.71 (Net Debt -16644.74b / EBITDA 6384.97b)
Debt / FCF = 12.09 (Debt 55628.88b / FCF TTM 4602.46b)
Total Stockholder Equity = 14767.11b (last 4 quarters mean)
RoA = 0.40% (Net Income 1183.54b, Total Assets 298919.97b )
RoE = 8.01% (Net Income TTM 1183.54b / Total Stockholder Equity 14767.11b)
RoCE = 15.25% (Ebit 6104.19b / (Equity 14767.11b + L.T.Debt 25252.56b))
RoIC = 8.84% (NOPAT 4261.87b / Invested Capital 48214.07b)
WACC = 3.56% (E(15864.22b)/V(71493.10b) * Re(11.28%)) + (D(55628.88b)/V(71493.10b) * Rd(1.95%) * (1-Tc(0.30)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.49%
Discount Rate = 11.28% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 57.41% ; FCFE base≈2874.18b ; Y1≈1887.03b ; Y5≈862.95b
Fair Price DCF = 1705 (DCF Value 10958.29b / Shares Outstanding 6.43b; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 85.08 | Revenue CAGR: 34.13%
Rev Growth-of-Growth: 27.07
EPS Correlation: 12.37 | EPS CAGR: 14.93%
EPS Growth-of-Growth: -44.23
Additional Sources for SMFG Stock
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Fund Manager Positions: Dataroma | Stockcircle