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

Fundamental Rating

SMFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. Both the profitability and financial health of SMFG have multiple concerns. SMFG is not valued too expensively and it also shows a decent 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.

In the past 5 years SMFG has always been profitable.

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

1.2 Ratios

SMFG's Return On Assets of 0.40% is on the low side compared to the rest of the industry. SMFG is outperformed by 79.15% of its industry peers.

Looking at the Return On Equity, with a value of 7.87%, SMFG is in line with its industry, outperforming 47.99% 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

SMFG's Profit Margin of 20.98% is in line compared to the rest of the industry. SMFG outperforms 42.71% of its industry peers.

SMFG's Profit Margin has improved in the last couple of years.

SMFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.

SMFG has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, SMFG has a worse debt to assets ratio.

2.2 Solvency

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

SMFG has a worse Debt to Equity ratio (4.07) than 96.98% of its industry peers.

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

ROIC/WACCN/A

WACC5.86%

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

The earnings per share for SMFG have decreased strongly by -28.64% in the last year.

Measured over the past 5 years, SMFG shows a small growth in Earnings Per Share. The EPS has been growing by 4.17% on average per year.

SMFG shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.56%.

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)-28.64%

EPS 3Y79.85%

EPS 5Y4.17%

EPS Q2Q%-56.68%

Revenue 1Y (TTM)29.56%

Revenue growth 3Y14.02%

Revenue growth 5Y1.89%

Sales Q2Q%24.65%

3.2 Future

The Earnings Per Share is expected to decrease by -18.30% on average over the next years. This is quite bad

SMFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.07% yearly.

EPS Next Y-54.26%

EPS Next 2Y-29.06%

EPS Next 3Y-18.3%

EPS Next 5YN/A

Revenue Next Year45.94%

Revenue Next 2Y25.31%

Revenue Next 3Y19.07%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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

A Price/Earnings ratio of 9.08 indicates a reasonable valuation of SMFG.

Compared to the rest of the industry, the Price/Earnings ratio of SMFG indicates a rather cheap valuation: SMFG is cheaper than 88.44% of the companies listed in the same industry.

SMFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.

The Price/Forward Earnings ratio is 12.08, which indicates a correct valuation of SMFG.

SMFG's Price/Forward Earnings ratio is in line with the industry average.

SMFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.44, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.08
Fwd PE	12.08

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 -18.30% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)2.17

EPS Next 2Y-29.06%

EPS Next 3Y-18.3%

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5. Dividend

5.1 Amount

SMFG has a Yearly Dividend Yield of 3.02%. Purely for dividend investing, there may be better candidates out there.

SMFG's Dividend Yield is comparable with the industry average which is at 3.22.

Compared to an average S&P500 Dividend Yield of 2.28, SMFG pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.02%

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.

As SMFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

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.

The Dividend Rate of SMFG has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.

DP30.77%

EPS Next 2Y-29.06%

EPS Next 3Y-18.3%

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SUMITOMO MITSUI-SPONS ADR

NYSE:SMFG (1/21/2025, 8:04:00 PM)

After market: 14.69 -0.29 (-1.94%)

14.98

+0.29 (+1.97%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-14 2024-11-14/dmh

Earnings (Next)01-30 2025-01-30/amc

Inst Owners39.42%

Inst Owner Change0.05%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap97.50B

Analysts80

Price Target16.05 (7.14%)

Short Float %0.09%

Short Ratio4.42

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.02%

Yearly Dividend87.27

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)1.64%

PT rev (3m)-49.26%

EPS NQ rev (1m)0%

EPS NQ rev (3m)242.2%

EPS NY rev (1m)0%

EPS NY rev (3m)207.52%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.89%

Revenue NY rev (1m)26.02%

Revenue NY rev (3m)27.61%

Valuation

		Industry Rank	Sector Rank
PE	9.08
Fwd PE	12.08
P/S	2.74
P/FCF	N/A
P/OCF	N/A
P/B	1.03
P/tB	1.1
EV/EBITDA	N/A

EPS(TTM)1.65

EY11.01%

EPS(NY)1.24

Fwd EY8.28%

FCF(TTM)-1.81

FCFYN/A

OCF(TTM)-1.42

OCFYN/A

SpS5.46

BVpS14.56

TBVpS13.58

PEG (NY)N/A

PEG (5Y)2.17

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

WACC5.86%

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)-28.64%

EPS 3Y79.85%

EPS 5Y4.17%

EPS Q2Q%-56.68%

EPS Next Y-54.26%

EPS Next 2Y-29.06%

EPS Next 3Y-18.3%

EPS Next 5YN/A

Revenue 1Y (TTM)29.56%

Revenue growth 3Y14.02%

Revenue growth 5Y1.89%

Sales Q2Q%24.65%

Revenue Next Year45.94%

Revenue Next 2Y25.31%

Revenue Next 3Y19.07%

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