SUMITOMO MITSUI-SPONS ADR(NYSE:SMFG) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to SMFG. SMFG was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of SMFG have multiple concerns. SMFG has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

SMFG had positive earnings in the past year.

SMFG had a negative operating cash flow in the past year.

Each year in the past 5 years SMFG has been profitable.

Of the past 5 years SMFG 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.40%, SMFG is doing worse than 80.65% of the companies in the same industry.

Looking at the Return On Equity, with a value of 7.87%, SMFG is in line with its industry, outperforming 46.23% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.4%
ROE	7.87%
ROIC	N/A

ROA(3y)0.3%

ROA(5y)0.29%

ROE(3y)6.25%

ROE(5y)5.93%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 20.98%, SMFG is in line with its industry, outperforming 40.95% 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)	20.98%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y8.2%

PM growth 5Y3.83%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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

The debt/assets ratio for SMFG is higher compared to a year ago.

2.2 Solvency

SMFG has a Debt/Equity ratio of 4.07. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of SMFG (4.07) is worse than 96.48% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.07
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.74%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

SMFG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -46.64%.

The Earnings Per Share has been growing slightly by 4.17% on average over the past years.

Looking at the last year, SMFG shows a very strong growth in Revenue. The Revenue has grown by 24.76%.

Measured over the past years, SMFG shows a small growth in Revenue. The Revenue has been growing by 1.89% on average per year.

EPS 1Y (TTM)-46.64%

EPS 3Y80.13%

EPS 5Y4.17%

EPS Q2Q%-47.47%

Revenue 1Y (TTM)24.76%

Revenue growth 3Y14.02%

Revenue growth 5Y1.89%

Sales Q2Q%-4.15%

3.2 Future

SMFG is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -15.08% yearly.

The Revenue is expected to grow by 10.18% on average over the next years. This is quite good.

EPS Next Y-49.29%

EPS Next 2Y-25.4%

EPS Next 3Y-15.08%

EPS Next 5YN/A

Revenue Next Year18.78%

Revenue Next 2Y13%

Revenue Next 3Y10.18%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.09, the valuation of SMFG can be described as very reasonable.

Based on the Price/Earnings ratio, SMFG is valued a bit cheaper than 71.36% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 28.87. SMFG is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 9.44, the valuation of SMFG can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SMFG is on the same level as its industry peers.

SMFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.09
Fwd PE	9.44

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

SMFG's earnings are expected to decrease with -15.08% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)2.42

EPS Next 2Y-25.4%

EPS Next 3Y-15.08%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.53%, SMFG has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.53, SMFG has a dividend in line with its industry peers.

SMFG's Dividend Yield is a higher than the S&P500 average which is at 2.46.

		Industry Rank	Sector Rank
Dividend Yield	3.53%

5.2 History

The dividend of SMFG decreases each year by -12.99%.

SMFG has been paying a dividend for at least 10 years, so it has a reliable track record.

SMFG has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)-12.99%

Div Incr Years6

Div Non Decr Years6

5.3 Sustainability

SMFG pays out 30.77% of its income as dividend. This is a sustainable payout ratio.

SMFG's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.

DP30.77%

EPS Next 2Y-25.4%

EPS Next 3Y-15.08%

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SUMITOMO MITSUI-SPONS ADR

NYSE:SMFG (4/28/2025, 8:04:00 PM)

After market: 14.13 0 (0%)

14.13

+0.24 (+1.73%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-29 2025-01-29/dmh

Earnings (Next)05-13 2025-05-13/amc

Inst Owners39.09%

Inst Owner Change0.51%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap91.25B

Analysts80

Price Target19.13 (35.39%)

Short Float %0.05%

Short Ratio1.69

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.53%

Yearly Dividend0.37

Dividend Growth(5Y)-12.99%

DP30.77%

Div Incr Years6

Div Non Decr Years6

Ex-Date03-28 2025-03-28 (60)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)15.41%

Min EPS beat(2)9.54%

Max EPS beat(2)21.28%

EPS beat(4)4

Avg EPS beat(4)21.67%

Min EPS beat(4)9.54%

Max EPS beat(4)30.4%

EPS beat(8)7

Avg EPS beat(8)10.06%

EPS beat(12)11

Avg EPS beat(12)21.85%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)2

Avg Revenue beat(2)163.04%

Min Revenue beat(2)134.22%

Max Revenue beat(2)191.85%

Revenue beat(4)4

Avg Revenue beat(4)149.28%

Min Revenue beat(4)66.12%

Max Revenue beat(4)204.93%

Revenue beat(8)8

Avg Revenue beat(8)122.91%

Revenue beat(12)12

Avg Revenue beat(12)98.84%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)9.57%

PT rev (3m)19.21%

EPS NQ rev (1m)0.03%

EPS NQ rev (3m)13.31%

EPS NY rev (1m)0.6%

EPS NY rev (3m)11.39%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-0.36%

Revenue NY rev (3m)-22.44%

Valuation

		Industry Rank	Sector Rank
PE	10.09
Fwd PE	9.44
P/S	2.36
P/FCF	N/A
P/OCF	N/A
P/B	0.89
P/tB	0.95
EV/EBITDA	N/A

EPS(TTM)1.4

EY9.91%

EPS(NY)1.5

Fwd EY10.59%

FCF(TTM)-1.98

FCFYN/A

OCF(TTM)-1.56

OCFYN/A

SpS5.98

BVpS15.94

TBVpS14.87

PEG (NY)N/A

PEG (5Y)2.42

Profitability

		Industry Rank	Sector Rank
ROA	0.4%
ROE	7.87%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.98%
GM	N/A
FCFM	N/A

ROA(3y)0.3%

ROA(5y)0.29%

ROE(3y)6.25%

ROE(5y)5.93%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y8.2%

PM growth 5Y3.83%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	4.07
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	135.75%
Cap/Sales	7.05%
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-Score6

WACC5.74%

ROIC/WACCN/A

Cap/Depr(3y)121.5%

Cap/Depr(5y)123.61%

Cap/Sales(3y)7.64%

Cap/Sales(5y)7.72%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-46.64%

EPS 3Y80.13%

EPS 5Y4.17%

EPS Q2Q%-47.47%

EPS Next Y-49.29%

EPS Next 2Y-25.4%

EPS Next 3Y-15.08%

EPS Next 5YN/A

Revenue 1Y (TTM)24.76%

Revenue growth 3Y14.02%

Revenue growth 5Y1.89%

Sales Q2Q%-4.15%

Revenue Next Year18.78%

Revenue Next 2Y13%

Revenue Next 3Y10.18%

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 1Y82.72%

FCF growth 3Y-76.14%

FCF growth 5Y-42.37%

OCF growth 1Y86.02%

OCF growth 3Y-67.54%

OCF growth 5Y-32.53%

SUMITOMO MITSUI-SPONS ADR (SMFG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens