Sumitomo Mitsui Financial Group, Inc. (SMFG) Financial Ratios
26 years of historical data (2000–2025) · Financial Services · Banks - Diversified
EV/EBITDA
↑
2.26
—
5yr avg: N/A
30Y Low2.9·High7.9
P/FCF
↑
4.73
↑+8414% vs avg
5yr avg: 0.06
30Y Low0.0·High0.2
P/B Ratio
↑
0.90
↑+31139% vs avg
5yr avg: 0.00
30Y Low0.0·High0.0
ROE
↑
7.9%
↓+25% vs avg
5yr avg: 6.4%
30Y Low-8%·High15%
Debt/EBITDA
↓
29.43
+1% vs avg
5yr avg: 29.07
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 11.4x earnings, 23835% above its 5-year average of 0.0x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 15%. On a free-cash-flow basis, the stock trades at 4.7x P/FCF, 8414% above the 5-year average of 0.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $139.4B | $60.4B | $46.9B | $32.8B | $25.8B | $29.8B | $19.8B | $29.5B | $36.0B | $29.8B | $24.7B |
| Enterprise Value | $28.7B | $-17232478688760 | $-43840390474050 | $-46498350408000 | $-42641866884620 | $-42176418555750 | $-18149679043970 | $-33813426171020 | $-28977342903000 | $-21800764474750 | $-21677825147320 |
| P/E Ratio → | 11.35 | 0.05 | 0.05 | 0.04 | 0.04 | 0.06 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 |
| P/S Ratio | 2.25 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| P/B Ratio | 0.90 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/FCF | 4.73 | 0.01 | 0.19 | — | 0.02 | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 | — |
| P/OCF | 4.38 | 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 2.3x EBITDA. The Financial Services sector median is 11.5x, placing the stock at a 80% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -1.78 | -5.00 | -8.04 | -11.21 | -11.82 | -4.25 | -7.73 | -6.05 | -6.51 | -5.19 |
| EV / EBITDA | 2.26 | -8.70 | -26.81 | -34.03 | -36.40 | -46.89 | -16.27 | -28.52 | -13.88 | -12.56 | -13.69 |
| EV / EBIT | 2.64 | -10.14 | -32.66 | -42.33 | -45.87 | -62.74 | -20.42 | -30.09 | -26.13 | -22.26 | -18.67 |
| EV / FCF | — | -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 17.6%, below the Financial Services sector average of 21.4%. Operating margins have compressed from 19.0% to 17.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.9% is modest, trailing the sector median of 9.5%. ROIC of 2.1% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.9% | 48.9% | 47.4% | 60.7% | 82.8% | 75.4% | 68.4% | 100.0% | 95.4% | 125.3% | 95.7% |
| Operating Margin | 17.6% | 17.6% | 15.3% | 19.0% | 24.4% | 18.8% | 20.8% | 20.4% | 37.2% | 42.7% | 31.5% |
| Net Profit Margin | 12.2% | 12.2% | 11.0% | 13.9% | 18.6% | 14.4% | 16.5% | 16.6% | 15.3% | 19.0% | 15.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.9% | 7.9% | 7.0% | 6.4% | 5.9% | 4.5% | 6.3% | 6.3% | 6.2% | 5.7% | 6.1% |
| ROA | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.4% | 0.4% | 0.3% | 0.3% |
| ROIC | 2.1% | 2.1% | 1.9% | 1.6% | 1.6% | 1.0% | 1.5% | 1.9% | 3.6% | 3.1% | 2.9% |
| ROCE | 1.9% | 1.9% | 0.7% | 0.4% | 0.4% | 0.5% | 0.7% | 0.5% | 0.9% | 0.8% | 0.7% |
SMFG Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Sumitomo Mitsui Financial Group, Inc. carries a Debt/EBITDA ratio of 29.4x, which is highly leveraged (614% above the sector average of 4.1x). The company holds a net cash position — cash of $75.6T exceeds total debt of $58.3T, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.93 | 3.93 | 2.31 | 3.61 | 2.63 | 2.55 | 4.04 | 2.06 | 2.13 | 2.15 | 2.02 |
| Debt / EBITDA | 29.43 | 29.43 | 20.95 | 33.78 | 27.42 | 33.76 | 39.09 | 19.88 | 11.84 | 14.70 | 13.32 |
| Net Debt / Equity | — | -1.17 | -2.97 | -3.64 | -3.50 | -3.55 | -1.68 | -2.96 | -2.50 | -1.84 | -2.08 |
| Net Debt / EBITDA | -8.73 | -8.73 | -26.84 | -34.05 | -36.42 | -46.93 | -16.29 | -28.54 | -13.90 | -12.58 | -13.71 |
| Debt / FCF | — | -3.76 | -174.86 | — | -33.94 | -2.28 | -2.66 | -8.57 | -3.42 | -5.64 | — |
| Interest Coverage | 0.37 | 0.37 | 0.31 | 0.53 | 2.45 | 1.30 | 0.75 | 0.77 | 2.30 | 2.85 | 2.96 |
Net cash position: cash ($75.59T) exceeds total debt ($58.30T)
SMFG Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.45x is below 1.0, meaning current liabilities exceed current assets — though the company's $75.6T cash position helps mitigate short-term liquidity concerns. The current ratio has declined from 14.88x to 0.45x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.45 | 0.45 | 1.31 | 14.88 | 38.12 | 11.05 | 0.59 | 46.16 | 27.06 | 21.23 | 22.94 |
| Quick Ratio | 0.45 | 0.45 | 1.31 | 14.88 | 38.12 | 11.05 | 0.59 | 46.16 | 27.06 | 21.23 | 22.94 |
| Cash Ratio | 0.33 | 0.33 | 0.41 | 15.43 | 39.49 | 11.51 | 0.39 | 48.28 | 9.02 | 6.24 | 6.56 |
| Asset Turnover | — | 0.03 | 0.03 | 0.02 | 0.01 | 0.01 | 0.02 | 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 4.2% to shareholders annually — split between a 3.1% dividend yield and 1.2% buyback yield. The payout ratio of 35.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.8% (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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.1% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Payout Ratio | 35.0% | 35.0% | 36.1% | 37.4% | 38.8% | 52.1% | 36.3% | 33.8% | 29.8% | 32.3% | 32.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.8% | 1950.1% | 2030.8% | 2434.9% | 2712.1% | 1702.8% | 3524.4% | 2439.1% | 2019.9% | 2346.8% | 2595.3% |
| FCF Yield | 21.1% | 7618.9% | 534.7% | — | 4874.1% | 61949.8% | 34577.4% | 13381.0% | 23599.4% | 12995.6% | — |
| Buyback Yield | 1.2% | 100.0% | 100.0% | 100.0% | 0.3% | 0.2% | 100.0% | 100.0% | 0.4% | 0.3% | 0.8% |
| Total Shareholder Yield | 4.2% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Shares Outstanding | — | $3.9B | $4.0B | $4.1B | $4.1B | $4.1B | $4.1B | $4.2B | $4.2B | $4.1B | $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 | $139B | 11.4 | 2.3 | 4.7 | 48.9% | 17.6% | 7.9% | 2.1% | 29.4 |
 MFG | $109B | 19.7 | 3.9 | — | 41.8% | 13.8% | 8.5% | 1.3% | 43.6 |
 MUFG | $208B | 18.0 | 4.3 | — | 56.5% | 20.5% | 8.8% | 2.0% | 30.1 |
 KB | $39B | 10.6 | 6.7 | — | 49.1% | 16.8% | 9.7% | 4.9% | — |
 SHG | $34B | 9.6 | 22.5 | 8.0 | 53.3% | 17.9% | 8.8% | 2.5% | 19.0 |
 WF | $17B | 7.7 | 17.8 | 3.6 | 48.8% | 14.7% | 9.4% | 2.5% | 18.1 |
 BBAR | $3B | 12.6 | 3.8 | — | 65.9% | 8.5% | 12.7% | 10.7% | 0.7 |
 JPM | $849B | 15.9 | 13.6 | — | 58.6% | 27.7% | 17.4% | 5.4% | 9.0 |
 BAC | $408B | 14.0 | 14.8 | 32.3 | 55.4% | 18.5% | 10.2% | 3.2% | 10.0 |
 C | $223B | 21.4 | 25.1 | — | 41.7% | 10.0% | 6.1% | 1.6% | 27.7 |
 WFC | $249B | 15.0 | 10.6 | 81.9 | 62.2% | 18.6% | 10.7% | 3.7% | 9.1 |
| Financial Services Median | — | 13.4 | 11.5 | 10.7 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonSMFG — 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 11.4x. 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 2.3x. 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 7.9%. The historical average is 6.5%.
Is SMFG stock overvalued?
Based on historical data, Sumitomo Mitsui Financial Group, Inc. is trading at a P/E of 11.4x. 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 3.08% with a payout ratio of 35.0%.
What are Sumitomo Mitsui Financial Group, Inc.'s profit margins?
Sumitomo Mitsui Financial Group, Inc. has 48.9% gross margin and 17.6% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Sumitomo Mitsui Financial Group, Inc. have?
Sumitomo Mitsui Financial Group, Inc.'s Debt/EBITDA ratio is 29.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.