(SMFG) Sumitomo Mitsui Financial - Ratings and Ratios
Banking, Leasing, Securities, Consumer Finance, Advisory
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 32.7% |
| Value at Risk 5%th | 49.9% |
| Relative Tail Risk | -7.07% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.61 |
| Alpha | 10.20 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.344 |
| Beta | 1.019 |
| Beta Downside | 1.452 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.67% |
| Mean DD | 5.22% |
| Median DD | 4.13% |
Description: SMFG Sumitomo Mitsui Financial September 25, 2025
Sumitomo Mitsui Financial Group, Inc. (SMFG) is a diversified banking conglomerate headquartered in Tokyo that operates through four primary segments: Wholesale Business, Retail Business, Global Business, and Global Markets, delivering a full suite of banking, leasing, securities, consumer finance, and ancillary services across Japan, the Americas, Europe, the Middle East, Asia, and Oceania.
The Wholesale Business Unit focuses on corporate financing-including bilateral and syndicated loans, structured and project finance, and non-recourse lending-while also providing deposit and investment-trust products, risk-hedging tools (e.g., forward contracts and derivatives), trade-finance solutions, M&A advisory, digital platforms, and equipment leasing.
The Retail Business Unit offers wealth-management services such as time and foreign-currency deposits, investment trusts, equities, bonds, insurance, and trust products, alongside consumer-credit solutions like credit cards, installment financing, housing loans, and broader consumer-finance offerings.
The Global Business Unit extends SMFG’s reach internationally with loan and deposit services, clearing, trade and project finance, loan syndication, derivatives, cash-management, equity and fixed-income sales & trading, underwriting, and leasing of industrial, transportation, and medical equipment.
The Global Markets Business Unit concentrates on asset-liability and portfolio management, foreign-currency funding, and sales-trading activities, complemented by system development, data processing, consulting, economic research, and asset-management services.
Key recent metrics (FY 2023) show a net profit of ¥1.2 trillion, a return on equity (ROE) of 7.4 %, and a net interest margin (NIM) of 0.84 %, reflecting modest earnings growth amid Japan’s prolonged low-rate environment and a gradual shift toward higher-margin digital banking services.
Sector-level drivers that will materially affect SMFG include the Bank of Japan’s yield-curve control policy, which caps long-term rates and compresses NIMs, and Japan’s aging demographic, which is reshaping demand toward wealth-management and retirement-focused products.
For analysts seeking a deeper quantitative assessment, a quick look at SMFG’s valuation multiples and credit metrics on ValueRay can help surface any pricing anomalies before making a trade decision.
SMFG Stock Overview
| Market Cap in USD | 107,681m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1949-05-01 |
| Return 12m vs S&P 500 | 9.34% |
| Analyst Rating | 5.0 of 5 |
SMFG Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 3.17% |
| Yield on Cost 5y | 10.24% |
| Yield CAGR 5y | 2.68% |
| Payout Consistency | 83.0% |
| Payout Ratio | 104.2% |
SMFG Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 39.31% |
| CAGR/Max DD Calmar Ratio | 1.53 |
| CAGR/Mean DD Pain Ratio | 7.52 |
| Current Volume | 2177.6k |
| Average Volume | 2485k |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (1183.54b TTM) > 0 and > 6% of Revenue (6% = 573.58b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 1.45pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1597 % (prev -3086 %; Δ 1489 pp) (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 (1704.07b) ratio: -9.77 <= 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 49.36% (prev 19.13%; Δ 30.22pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.18% (prev 1.53%; Δ 1.66pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.05 (EBITDA TTM 1704.07b / Interest Expense TTM 4450.14b) >= 6 (WARN >= 3) |
Altman Z'' -3.20
| (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) 0.00 = EBIT TTM 240.99b / Avg Total Assets 300455.07b |
| (D) 0.05 = Book Value of Equity 13962.66b / Total Liabilities 284312.03b |
| Total Rating: -3.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.62
| 1. Piotroski 3.50pt |
| 2. FCF Yield data missing |
| 3. FCF Margin 48.14% |
| 4. Debt/Equity 3.84 |
| 5. Debt/Ebitda -9.77 |
| 6. ROIC - WACC (= -3.04)% |
| 7. RoE 8.01% |
| 8. Rev. Trend 88.68% |
| 9. EPS Trend -30.57% |
What is the price of SMFG shares?
Over the past week, the price has changed by -0.18%, over one month by +1.72%, over three months by +0.50% and over the past year by +22.30%.
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 | 18.6 | 12.5% |
| Analysts Target Price | 18.6 | 12.5% |
| ValueRay Target Price | 22.3 | 34.9% |
SMFG Fundamental Data Overview November 15, 2025
P/E Trailing = 14.0424
P/E Forward = 11.9474
P/S = 0.0322
P/B = 1.1399
P/EG = 1.512
Beta = 0.159
Revenue TTM = 9559.61b JPY
EBIT TTM = 240.99b JPY
EBITDA TTM = 1704.07b 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 (from shortLongTermDebtTotal, last quarter)
Net Debt = -16644.74b JPY (from netDebt column, last quarter)
Enterprise Value = 51.48b JPY (16696.22b + Debt 55628.88b - CCE 72273.62b)
Interest Coverage Ratio = 0.05 (Ebit TTM 240.99b / Interest Expense TTM 4450.14b)
FCF Yield = 8940 % (FCF TTM 4602.46b / Enterprise Value 51.48b)
FCF Margin = 48.14% (FCF TTM 4602.46b / Revenue TTM 9559.61b)
Net Margin = 12.38% (Net Income TTM 1183.54b / Revenue TTM 9559.61b)
Gross Margin = 49.36% ((Revenue TTM 9559.61b - Cost of Revenue TTM 4841.08b) / Revenue TTM)
Gross Margin QoQ = 49.79% (prev 46.15%)
Tobins Q-Ratio = 0.00 (Enterprise Value 51.48b / Total Assets 298919.97b)
Interest Expense / Debt = 1.95% (Interest Expense 1086.16b / Debt 55628.88b)
Taxrate = 21.23% (102.24b / 481.57b)
NOPAT = 189.82b (EBIT 240.99b * (1 - 21.23%))
Current Ratio = 0.32 (Total Current Assets 72501.88b / Total Current Liabilities 225165.27b)
Debt / Equity = 3.84 (Debt 55628.88b / totalStockholderEquity, last quarter 14472.58b)
Debt / EBITDA = -9.77 (Net Debt -16644.74b / EBITDA 1704.07b)
Debt / FCF = -3.62 (Net Debt -16644.74b / FCF TTM 4602.46b)
Total Stockholder Equity = 14767.11b (last 4 quarters mean from totalStockholderEquity)
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 = 0.60% (EBIT 240.99b / Capital Employed (Equity 14767.11b + L.T.Debt 25252.56b))
RoIC = 0.39% (NOPAT 189.82b / Invested Capital 48214.07b)
WACC = 3.44% (E(16696.22b)/V(72325.10b) * Re(9.77%) + D(55628.88b)/V(72325.10b) * Rd(1.95%) * (1-Tc(0.21)))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.46%
[DCF Debug] Terminal Value 63.07% ; FCFE base≈2874.18b ; Y1≈1887.03b ; Y5≈862.95b
Fair Price DCF = 2037 (DCF Value 13060.71b / Shares Outstanding 6.41b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -30.57 | EPS CAGR: -30.19% | SUE: -3.10 | # QB: 0
Revenue Correlation: 88.68 | Revenue CAGR: 34.13% | SUE: 0.70 | # QB: 0
Additional Sources for SMFG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle