SMFG
Sumitomo Mitsui Financial Group, Inc.
Banks - Diversified
Market Cap$134.86B
5Y Perf.+280.6%
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Stock Comparison
SMFG vs SHG
Revenue, margins, valuation, and 5-year total return — side by side.
SHG
Shinhan Financial Group Co., Ltd.
Banks - Regional
Market Cap$33.83B
5Y Perf.+179.6%
SMFG vs SHG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SMFG | SHG |
|---|---|---|
| Industry | Banks - Diversified | Banks - Regional |
| Market Cap | $134.86B | $33.83B |
| Revenue (TTM) | $9.66T | $39.77T |
| Net Income (TTM) | $1.39T | $5.00T |
| Gross Margin | 48.9% | 53.3% |
| Operating Margin | 17.6% | 17.9% |
| Forward P/E | 0.1x | 0.0x |
| Total Debt | $58.30T | $154.21T |
| Cash & Equiv. | $75.59T | $21.14T |
SMFG vs SHG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SMFG
SHG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Sumitomo Mitsui Fin… (SMFG) | 100 | 380.6 | +280.6% |
| Shinhan Financial G… (SHG) | 100 | 279.6 | +179.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SMFG vs SHG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: SHG leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Sumitomo Mitsui Financial Group, Inc. is the stronger pick specifically for profitability and margin quality and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
SMFG
Sumitomo Mitsui Financial Group, Inc.
The Banking Pick
SMFG is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 8 yrs, beta 1.11, yield 3.2%
- 313.0% 10Y total return vs SHG's 147.4%
- Beta 1.11, yield 3.2%, current ratio 0.45x
Best for: income & stability and long-term compounding
SHG
Shinhan Financial Group Co., Ltd.
The Banking Pick
SHG carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth 12.4%, EPS growth 23.0%
- Lower volatility, beta 0.89, current ratio 0.36x
- PEG 0.00 vs SMFG's 0.01
Best for: growth exposure and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | SHG | 12.4% NII/revenue growth vs SMFG's 10.2% |
| Value | SHG | Lower P/E (0.0x vs 0.1x), PEG 0.00 vs 0.01 |
| Quality / Margins | SMFG | Efficiency ratio 0.3% vs SHG's 0.4% (lower = leaner) |
| Stability / Safety | SHG | Beta 0.89 vs SMFG's 1.11, lower leverage |
| Dividends | SMFG | 3.2% yield, 8-year raise streak, vs SHG's 2.6% |
| Momentum (1Y) | SHG | +87.9% vs SMFG's +53.4% |
| Efficiency (ROA) | SMFG | Efficiency ratio 0.3% vs SHG's 0.4% |
SMFG vs SHG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLSMFGLAGGINGSHG
SHGShinhan Financial Gro…
2leads
SMFGSumitomo Mitsui Finan…
4leads
6 Total Categories
CATEGORYLEADERvs SHGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
SHG3/5
Valuation MetricsMultiples, price ratios, and targets
SMFG4/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
SMFG5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
SMFG4/6
Risk & VolatilityBeta, volatility, and downside exposure
SHG2/2
Analyst OutlookRatings, price targets, and dividends
SMFG2/2
Income & Cash Flow (Last 12 Months)
SHG leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
SHG is the larger business by revenue, generating $39.77T annually — 4.1x SMFG's $9.66T. Profitability is closely matched — net margins range from 12.7% (SHG) to 12.2% (SMFG).
| Metric | SMFGSumitomo Mitsui F… | SHGShinhan Financial… |
|---|---|---|
| RevenueTrailing 12 months | $9.66T | $39.77T |
| EBITDAEarnings before interest/tax | $1.95T | $8.41T |
| Net IncomeAfter-tax profit | $1.39T | $5.00T |
| Free Cash FlowCash after capex | $0 | -$10.55T |
| Gross MarginGross profit ÷ Revenue | +48.9% | +53.3% |
| Operating MarginEBIT ÷ Revenue | +17.6% | +17.9% |
| Net MarginNet income ÷ Revenue | +12.2% | +12.7% |
| FCF MarginFCF ÷ Revenue | +47.7% | +15.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +61.0% | +48.3% |
SHG leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
SMFG leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 9.6x trailing earnings, SHG trades at a 13% valuation discount to SMFG's 11.1x P/E. Adjusting for growth (PEG ratio), SMFG offers better value at 0.90x vs SHG's 1.04x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | SMFGSumitomo Mitsui F… | SHGShinhan Financial… |
|---|---|---|
| Market CapShares × price | $134.9B | $33.8B |
| Enterprise ValueMkt cap + debt − cash | $24.9B | $124.0B |
| Trailing P/EPrice ÷ TTM EPS | 11.06x | 9.65x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.08x | 0.01x |
| PEG RatioP/E ÷ EPS growth rate | 0.90x | 1.04x |
| EV / EBITDAEnterprise value multiple | 1.98x | 22.54x |
| Price / SalesMarket cap ÷ Revenue | 2.20x | 1.25x |
| Price / BookPrice ÷ Book value/share | 0.88x | 0.89x |
| Price / FCFMarket cap ÷ FCF | 4.61x | 8.05x |
SMFG leads this category, winning 4 of 7 comparable metrics.
Profitability & Efficiency
SMFG leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
SMFG delivers a 9.1% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $8 for SHG. SHG carries lower financial leverage with a 2.77x debt-to-equity ratio, signaling a more conservative balance sheet compared to SMFG's 3.93x. On the Piotroski fundamental quality scale (0–9), SHG scores 9/9 vs SMFG's 7/9, reflecting strong financial health.
| Metric | SMFGSumitomo Mitsui F… | SHGShinhan Financial… |
|---|---|---|
| ROE (TTM)Return on equity | +9.1% | +8.5% |
| ROA (TTM)Return on assets | +0.5% | +0.7% |
| ROICReturn on invested capital | +2.1% | +2.5% |
| ROCEReturn on capital employed | +1.9% | +1.4% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 9 |
| Debt / EquityFinancial leverage | 3.93x | 2.77x |
| Net DebtTotal debt minus cash | -$17.29T | $133.07T |
| Cash & Equiv.Liquid assets | $75.59T | $21.14T |
| Total DebtShort + long-term debt | $58.30T | $154.21T |
| Interest CoverageEBIT ÷ Interest expense | 0.43x | 0.41x |
SMFG leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
SMFG leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SMFG five years ago would be worth $32,469 today (with dividends reinvested), compared to $21,776 for SHG. Over the past 12 months, SHG leads with a +87.9% total return vs SMFG's +53.4%. The 3-year compound annual growth rate (CAGR) favors SMFG at 39.6% vs SHG's 39.2% — a key indicator of consistent wealth creation.
| Metric | SMFGSumitomo Mitsui F… | SHGShinhan Financial… |
|---|---|---|
| YTD ReturnYear-to-date | +9.0% | +26.5% |
| 1-Year ReturnPast 12 months | +53.4% | +87.9% |
| 3-Year ReturnCumulative with dividends | +172.1% | +169.9% |
| 5-Year ReturnCumulative with dividends | +224.7% | +117.8% |
| 10-Year ReturnCumulative with dividends | +313.0% | +147.4% |
| CAGR (3Y)Annualised 3-year return | +39.6% | +39.2% |
SMFG leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
SHG leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
SHG is the less volatile stock with a 0.89 beta — it tends to amplify market swings less than SMFG's 1.11 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SHG currently trades 92.5% from its 52-week high vs SMFG's 87.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SMFGSumitomo Mitsui F… | SHGShinhan Financial… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.11x | 0.89x |
| 52-Week HighHighest price in past year | $24.34 | $73.40 |
| 52-Week LowLowest price in past year | $13.90 | $35.96 |
| % of 52W HighCurrent price vs 52-week peak | +87.1% | +92.5% |
| RSI (14)Momentum oscillator 0–100 | 53.1 | 51.2 |
| Avg Volume (50D)Average daily shares traded | 2.2M | 306K |
SHG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
SMFG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates SMFG as "Hold" and SHG as "Buy". For income investors, SMFG offers the higher dividend yield at 3.16% vs SHG's 2.64%.
| Metric | SMFGSumitomo Mitsui F… | SHGShinhan Financial… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | 4 | 2 |
| Dividend YieldAnnual dividend ÷ price | +3.2% | +2.6% |
| Dividend StreakConsecutive years of raises | 8 | 1 |
| Dividend / ShareAnnual DPS | $105.47 | $2641.09 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.2% | +2.5% |
SMFG leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
SMFG leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). SHG leads in 2 (Income & Cash Flow, Risk & Volatility).
Best OverallSumitomo Mitsui Financial G… (SMFG)Leads 4 of 6 categories
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SMFG vs SHG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SMFG or SHG a better buy right now?
For growth investors, Shinhan Financial Group Co.
, Ltd. (SHG) is the stronger pick with 12. 4% revenue growth year-over-year, versus 10. 2% for Sumitomo Mitsui Financial Group, Inc. (SMFG). Shinhan Financial Group Co. , Ltd. (SHG) offers the better valuation at 9. 6x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Shinhan Financial Group Co. , Ltd. (SHG) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — SMFG or SHG?
On trailing P/E, Shinhan Financial Group Co.
, Ltd. (SHG) is the cheapest at 9. 6x versus Sumitomo Mitsui Financial Group, Inc. at 11. 1x. On forward P/E, Shinhan Financial Group Co. , Ltd. is actually cheaper at 0. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Shinhan Financial Group Co. , Ltd. wins at 0. 00x versus Sumitomo Mitsui Financial Group, Inc. 's 0. 01x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — SMFG or SHG?
Over the past 5 years, Sumitomo Mitsui Financial Group, Inc.
(SMFG) delivered a total return of +224. 7%, compared to +117. 8% for Shinhan Financial Group Co. , Ltd. (SHG). Over 10 years, the gap is even starker: SMFG returned +313. 0% versus SHG's +147. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SMFG or SHG?
By beta (market sensitivity over 5 years), Shinhan Financial Group Co.
, Ltd. (SHG) is the lower-risk stock at 0. 89β versus Sumitomo Mitsui Financial Group, Inc. 's 1. 11β — meaning SMFG is approximately 24% more volatile than SHG relative to the S&P 500. On balance sheet safety, Shinhan Financial Group Co. , Ltd. (SHG) carries a lower debt/equity ratio of 3% versus 4% for Sumitomo Mitsui Financial Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — SMFG or SHG?
By revenue growth (latest reported year), Shinhan Financial Group Co.
, Ltd. (SHG) is pulling ahead at 12. 4% versus 10. 2% for Sumitomo Mitsui Financial Group, Inc. (SMFG). On earnings-per-share growth, the picture is similar: Sumitomo Mitsui Financial Group, Inc. grew EPS 26. 1% year-over-year, compared to 23. 0% for Shinhan Financial Group Co. , Ltd.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — SMFG or SHG?
Shinhan Financial Group Co.
, Ltd. (SHG) is the more profitable company, earning 12. 7% net margin versus 12. 2% for Sumitomo Mitsui Financial Group, Inc. — meaning it keeps 12. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SHG leads at 17. 9% versus 17. 6% for SMFG. At the gross margin level — before operating expenses — SHG leads at 53. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is SMFG or SHG more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Shinhan Financial Group Co. , Ltd. (SHG) is the more undervalued stock at a PEG of 0. 00x versus Sumitomo Mitsui Financial Group, Inc. 's 0. 01x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Shinhan Financial Group Co. , Ltd. (SHG) trades at 0. 0x forward P/E versus 0. 1x for Sumitomo Mitsui Financial Group, Inc. — 0. 1x cheaper on a one-year earnings basis.
08Which pays a better dividend — SMFG or SHG?
All stocks in this comparison pay dividends.
Sumitomo Mitsui Financial Group, Inc. (SMFG) offers the highest yield at 3. 2%, versus 2. 6% for Shinhan Financial Group Co. , Ltd. (SHG).
09Is SMFG or SHG better for a retirement portfolio?
For long-horizon retirement investors, Shinhan Financial Group Co.
, Ltd. (SHG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 89), 2. 6% yield, +147. 4% 10Y return). Both have compounded well over 10 years (SHG: +147. 4%, SMFG: +313. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between SMFG and SHG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(SMFG: 10.2% · SHG: 12.4%)Net Margin>
%
(SMFG: 12.2% · SHG: 12.7%)P/E Ratio<
x
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