Sumitomo Mitsui Financial Group, Inc. (SMFG) Financial Ratios
27 years of historical data (2000–2026) · Financial Services · Banks - Diversified
EV/EBITDA
↑
0.05
—
5yr avg: N/A
30Y Low2.9·High7.9
P/FCF
↓
2.12
↑+3456% vs avg
5yr avg: 0.06
30Y Low0.0·High0.2
P/B Ratio
↑
1.63
↑+40979% vs avg
5yr avg: 0.00
30Y Low0.0·High0.0
ROE
↑
10.9%
↓+43% vs avg
5yr avg: 7.6%
30Y Low-8%·High15%
Debt/EBITDA
↓
21.76
↓-18% vs avg
5yr avg: 26.67
30Y Low0.2·High39.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SMFG Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Sumitomo Mitsui Financial Group, Inc. trades at 15.5x earnings, 30487% above its 5-year average of 0.1x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 14%. On a free-cash-flow basis, the stock trades at 2.1x P/FCF, 3456% above the 5-year average of 0.1x.
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $96.3B | $126.5B | $60.4B | $46.9B | $32.8B | $25.8B | $29.8B | $19.8B | $29.5B | $36.0B | $29.8B |
| Enterprise Value | $860M | $-15265535912500 | $-17232478688760 | $-43840390474050 | $-46498350408000 | $-42641866884620 | $-42176418555750 | $-18149679043970 | $-33813426171020 | $-28977342903000 | $-21800764474750 |
| P/E Ratio → | 15.53 | 0.08 | 0.05 | 0.05 | 0.04 | 0.04 | 0.06 | 0.03 | 0.04 | 0.05 | 0.04 |
| P/S Ratio | 1.44 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 |
| P/B Ratio | 1.63 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/FCF | 2.12 | 0.02 | 0.01 | 0.19 | — | 0.02 | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 |
| P/OCF | 2.06 | 0.02 | 0.01 | 0.07 | — | 0.02 | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 |
P/E links to full P/E history page with 30-year chart
SMFG EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Sumitomo Mitsui Financial Group, Inc.'s enterprise value stands at 0.1x EBITDA. The Financial Services sector median is 11.4x, placing the stock at a 100% discount on an enterprise-value basis.
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -1.41 | -1.78 | -5.00 | -8.04 | -11.21 | -11.82 | -4.25 | -7.73 | -6.05 | -6.51 |
| EV / EBITDA | 0.05 | -5.66 | -8.70 | -26.81 | -34.03 | -36.40 | -46.89 | -16.27 | -28.52 | -13.88 | -12.56 |
| EV / EBIT | 0.06 | -6.39 | -10.14 | -32.66 | -42.33 | -45.87 | -62.74 | -20.42 | -30.09 | -26.13 | -22.26 |
| EV / FCF | — | -2.08 | -3.74 | -174.68 | — | -33.92 | -2.28 | -2.65 | -8.57 | -3.41 | -5.63 |
SMFG Profitability
Margins and return-on-capital ratios measuring operating efficiency
Sumitomo Mitsui Financial Group, Inc. earns an operating margin of 22.1%, roughly in line with the Financial Services sector average. Operating margins have expanded from 15.3% to 22.1% over the past 3 years, signaling improving operational efficiency. ROE of 10.9% is modest. ROIC of 2.4% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.3% | 54.3% | 48.9% | 47.4% | 60.7% | 82.8% | 75.4% | 68.4% | 100.0% | 95.4% | 125.3% |
| Operating Margin | 22.1% | 22.1% | 17.6% | 15.3% | 19.0% | 24.4% | 18.8% | 20.8% | 20.4% | 37.2% | 42.7% |
| Net Profit Margin | 15.5% | 15.5% | 12.2% | 11.0% | 13.9% | 18.6% | 14.4% | 16.5% | 16.6% | 15.3% | 19.0% |
Return on Capital
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.9% | 10.9% | 7.9% | 7.0% | 6.4% | 5.9% | 4.5% | 6.3% | 6.3% | 6.2% | 5.7% |
| ROA | 0.5% | 0.5% | 0.4% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.4% | 0.4% | 0.3% |
| ROIC | 2.4% | 2.4% | 2.1% | 1.9% | 1.6% | 1.6% | 1.0% | 1.5% | 1.9% | 3.6% | 3.1% |
| ROCE | 1.3% | 1.3% | 1.9% | 0.7% | 0.4% | 0.4% | 0.5% | 0.7% | 0.5% | 0.9% | 0.8% |
SMFG Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Sumitomo Mitsui Financial Group, Inc. carries a Debt/EBITDA ratio of 21.8x, which is highly leveraged (411% above the sector average of 4.3x). The company holds a net cash position — cash of $74.1T exceeds total debt of $58.7T, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.67 | 3.67 | 3.93 | 2.31 | 3.61 | 2.63 | 2.55 | 4.04 | 2.06 | 2.13 | 2.15 |
| Debt / EBITDA | 21.76 | 21.76 | 29.43 | 20.95 | 33.78 | 27.42 | 33.76 | 39.09 | 19.88 | 11.84 | 14.70 |
| Net Debt / Equity | — | -0.96 | -1.17 | -2.97 | -3.64 | -3.50 | -3.55 | -1.68 | -2.96 | -2.50 | -1.84 |
| Net Debt / EBITDA | -5.71 | -5.71 | -8.73 | -26.84 | -34.05 | -36.42 | -46.93 | -16.29 | -28.54 | -13.90 | -12.58 |
| Debt / FCF | — | -2.10 | -3.76 | -174.86 | — | -33.94 | -2.28 | -2.66 | -8.57 | -3.42 | -5.64 |
| Interest Coverage | 0.50 | 0.50 | 0.37 | 0.31 | 0.53 | 2.45 | 1.30 | 0.75 | 0.97 | 1.43 | 1.95 |
Net cash position: cash ($74.05T) exceeds total debt ($58.66T)
SMFG Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Sumitomo Mitsui Financial Group, Inc.'s current ratio of 2.76x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 1.31x to 2.76x over the past 3 years.
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.76 | 2.76 | 0.45 | 1.31 | 14.88 | 38.12 | 11.05 | 0.59 | 46.16 | 27.06 | 21.23 |
| Quick Ratio | 2.76 | 2.76 | 0.45 | 1.31 | 14.88 | 38.12 | 11.05 | 0.59 | 46.16 | 27.06 | 21.23 |
| Cash Ratio | 2.25 | 2.25 | 0.33 | 0.41 | 15.43 | 39.49 | 11.51 | 0.39 | 48.28 | 9.02 | 6.24 |
| Asset Turnover | — | 0.03 | 0.03 | 0.03 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SMFG Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Sumitomo Mitsui Financial Group, Inc. returns 3.9% to shareholders annually — split between a 2.2% dividend yield and 1.7% buyback yield. The payout ratio of 34.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.2% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 34.1% | 34.1% | 35.0% | 36.1% | 37.4% | 38.8% | 52.1% | 36.3% | 33.8% | 29.8% | 32.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.4% | 1326.8% | 1950.1% | 2030.8% | 2434.9% | 2712.1% | 1702.8% | 3524.4% | 2439.1% | 2019.9% | 2346.8% |
| FCF Yield | 47.3% | 5804.3% | 7618.9% | 534.7% | — | 4874.1% | 61949.8% | 34577.4% | 13381.0% | 23599.4% | 12995.6% |
| Buyback Yield | 1.7% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $6.4B | $3.9B | $4.0B | $4.1B | $4.1B | $4.1B | $4.1B | $4.2B | $4.2B | $4.1B |
Peer Comparison
Compare SMFG with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SMFGYou | $96B | 15.5 | 0.1 | 2.1 | 54.3% | 22.1% | 10.9% | 2.4% | 21.8 |
 MFG | $126B | 15.5 | 12.5 | 41.5 | 48.9% | 18.1% | 12.0% | 1.7% | 33.8 |
 MUFG | $238B | 15.1 | 6.4 | 4.7 | 56.8% | 24.7% | 11.3% | 2.5% | 19.7 |
 KB | $38B | 10.7 | 6.8 | — | 49.1% | 16.8% | 9.7% | 4.9% | — |
 SHG | $31B | 10.4 | 22.0 | 9999.0 | 47.4% | 20.0% | 8.7% | 2.5% | 18.8 |
 WF | $15B | 7.3 | 17.5 | 3.5 | 48.8% | 14.7% | 9.4% | 2.5% | 18.1 |
 BBAR | $4B | 20.8 | 6.0 | 4.0 | 54.8% | 9.2% | 10.2% | 9.2% | 3.1 |
 JPM | $909B | 16.2 | 18.5 | 9.0 | 59.9% | 26.0% | 16.1% | 4.5% | 11.6 |
 BAC | $424B | 14.7 | 14.0 | 33.6 | 56.1% | 19.7% | 10.2% | 3.5% | 9.1 |
 C | $267B | 20.5 | 27.4 | 12.0 | 44.6% | 11.8% | 6.7% | 1.7% | 31.0 |
 WFC | $265B | 13.0 | 17.6 | — | 64.8% | 20.4% | 11.7% | 3.5% | 14.5 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 27 years · Updated daily
Consensus-Based Analysis Tools
Full Stock Analysis
Deep dive into SMFG consensus models and risk factors.
View Analysis
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
SMFG — Frequently Asked Questions
Quick answers to the most common questions about buying SMFG stock.
What is Sumitomo Mitsui Financial Group, Inc.'s P/E ratio?
Sumitomo Mitsui Financial Group, Inc.'s current P/E ratio is 15.5x. The historical average is 0.1x. This places it at the 100th percentile of its historical range.
What is Sumitomo Mitsui Financial Group, Inc.'s EV/EBITDA?
Sumitomo Mitsui Financial Group, Inc.'s current EV/EBITDA is 0.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 4.8x.
What is Sumitomo Mitsui Financial Group, Inc.'s ROE?
Sumitomo Mitsui Financial Group, Inc.'s return on equity (ROE) is 10.9%. The historical average is 6.7%.
Is SMFG stock overvalued?
Based on historical data, Sumitomo Mitsui Financial Group, Inc. is trading at a P/E of 15.5x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Sumitomo Mitsui Financial Group, Inc.'s dividend yield?
Sumitomo Mitsui Financial Group, Inc.'s current dividend yield is 2.20% with a payout ratio of 34.1%.
What are Sumitomo Mitsui Financial Group, Inc.'s profit margins?
Sumitomo Mitsui Financial Group, Inc. has 54.3% gross margin and 22.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Sumitomo Mitsui Financial Group, Inc. have?
Sumitomo Mitsui Financial Group, Inc.'s Debt/EBITDA ratio is 21.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.