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

Fundamental Rating

Taking everything into account, SMFG scores 3 out of 10 in our fundamental rating. SMFG was compared to 404 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

In the past year SMFG was profitable.

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

In the past 5 years SMFG has always been profitable.

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

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.

SMFG has a Return On Equity (7.87%) which is comparable to the rest of the 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

The Profit Margin of SMFG (20.98%) is comparable to the rest of the industry.

In the last couple of years the Profit Margin of SMFG has grown nicely.

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.

Compared to 1 year ago, SMFG has less shares outstanding

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.

With a Debt to Equity ratio value of 4.07, SMFG is not doing good in the industry: 97.99% of the companies in the same industry are doing better.

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

ROIC/WACCN/A

WACC5.83%

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 -46.64% in the last year.

SMFG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.17% yearly.

SMFG shows a strong growth in Revenue. In the last year, 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 3Y79.93%

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

The Earnings Per Share is expected to decrease by -16.38% on average over the next years. This is quite bad

The Revenue is expected to grow by 21.41% on average over the next years. This is a very strong growth

EPS Next Y-50.66%

EPS Next 2Y-26.96%

EPS Next 3Y-16.38%

EPS Next 5YN/A

Revenue Next Year53.15%

Revenue Next 2Y28.69%

Revenue Next 3Y21.41%

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

Based on the Price/Earnings ratio of 11.41, the valuation of SMFG can be described as reasonable.

Based on the Price/Earnings ratio, SMFG is valued a bit cheaper than the industry average as 68.09% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of SMFG to the average of the S&P500 Index (29.63), we can say SMFG is valued rather cheaply.

The Price/Forward Earnings ratio is 11.19, which indicates a very decent valuation of SMFG.

The rest of the industry has a similar Price/Forward Earnings ratio as SMFG.

When comparing the Price/Forward Earnings ratio of SMFG to the average of the S&P500 Index (22.68), we can say SMFG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.41
Fwd PE	11.19

4.2 Price Multiples

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

4.3 Compensation for Growth

A cheap valuation may be justified as SMFG's earnings are expected to decrease with -16.38% in the coming years.

PEG (NY)N/A

PEG (5Y)2.73

EPS Next 2Y-26.96%

EPS Next 3Y-16.38%

More info and screens

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5. Dividend

5.1 Amount

SMFG has a Yearly Dividend Yield of 2.94%. Purely for dividend investing, there may be better candidates out there.

SMFG's Dividend Yield is comparable with the industry average which is at 3.15.

SMFG's Dividend Yield is a higher than the S&P500 average which is at 2.29.

		Industry Rank	Sector Rank
Dividend Yield	2.94%

5.2 History

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

SMFG has paid a dividend for at least 10 years, which is 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.

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

DP30.77%

EPS Next 2Y-26.96%

EPS Next 3Y-16.38%

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SUMITOMO MITSUI-SPONS ADR

NYSE:SMFG (2/21/2025, 8:04:00 PM)

After market: 15.28 -0.01 (-0.07%)

15.29

-0.34 (-2.18%)

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 Change10.43%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap99.07B

Analysts80

Price Target16.6 (8.57%)

Short Float %0.09%

Short Ratio3.39

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.94%

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)3.46%

PT rev (3m)1.59%

EPS NQ rev (1m)12.94%

EPS NQ rev (3m)28.82%

EPS NY rev (1m)8.02%

EPS NY rev (3m)223.11%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.89%

Revenue NY rev (1m)4.94%

Revenue NY rev (3m)32.24%

Valuation

		Industry Rank	Sector Rank
PE	11.41
Fwd PE	11.19
P/S	2.68
P/FCF	N/A
P/OCF	N/A
P/B	1.01
P/tB	1.08
EV/EBITDA	N/A

EPS(TTM)1.34

EY8.76%

EPS(NY)1.37

Fwd EY8.94%

FCF(TTM)-1.89

FCFYN/A

OCF(TTM)-1.48

OCFYN/A

SpS5.7

BVpS15.19

TBVpS14.17

PEG (NY)N/A

PEG (5Y)2.73

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

WACC5.83%

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 3Y79.93%

EPS 5Y4.17%

EPS Q2Q%-47.47%

EPS Next Y-50.66%

EPS Next 2Y-26.96%

EPS Next 3Y-16.38%

EPS Next 5YN/A

Revenue 1Y (TTM)24.76%

Revenue growth 3Y14.02%

Revenue growth 5Y1.89%

Sales Q2Q%-4.15%

Revenue Next Year53.15%

Revenue Next 2Y28.69%

Revenue Next 3Y21.41%

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