Sumitomo Mitsui Financial Group, Inc. (SMFG)
Valuation Overview•Is Sumitomo Mitsui Financial Group, Inc. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 66/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street sentiment is generally neutral. This is paired with healthy capital returns, driven by a balanced mix of reliable dividends and share buybacks.
SMFG demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($15.4T) and minimal debt risk.
The company maintains stable top-line performance paired with robust earnings compounding (10.4% EPS 3Y CAGR). The company maintains healthy operational efficiency with a 21.4% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $7.9T | +12.1% | — | — | +10.0% | |
| EBITDA | $1.9T | — | +25.4% | — | — | |
| Net Income | $1.4T | +42.5% | +27.7% | — | +10.0% | |
| EPS (Diluted) | $362.51 | -13.1% | +10.4% | +16.2% | +5.3% | |
| Free Cash Flow | $0.00 | +59.5% | — | -16.8% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 52.9% | 50.2% | 58.8% | 75.9% |
| Operating Margin | 21.4% | 18.3% | 19.7% | 23.8% |
| Net Margin | 15.6% | 12.9% | 14.2% | 15.3% |
| FCF Margin | — | 39.5% | 8.9% | 110.5% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.11 | $0.24 | +118.2% | ||
| Q1'26 | $0.40 | $0.16 | -60.0% | ||
| Q4'25 | $0.41 | $0.96 | +134.3% | ||
| Q3'25 | $0.37 | $0.40 | +9.1% | ||
| Q2'25 | — | $0.07 | — | ||
| Q2'25 | $0.07 | $0.06 | -14.3% | ||
| Q3'24 | $0.30 | $0.36 | +20.0% | ||
| Q2'24 | $0.13 | $0.28 | +116.3% |
Total return is +72.9% (1Y), outperforming the benchmark by +47.9%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +31.2% | +21.9% | — |
| 1Y | +72.9% | +47.9% | +4.0% |
| 3YCAGR | +48.2% | +27.3% | +17.5% |
| 5YCAGR | +31.8% | +17.9% | +31.3% |
| 10YCAGR | +17.0% | +3.4% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Sumitomo Mitsui Financial Group, Inc. (SMFG) valuation, health, and returns.
Sumitomo Mitsui Financial Group, Inc. is estimated to be fair under our discounted cash flow framework. relative multiples indicate the stock is Cheap versus peers compared to industry peers. trading near fair value (DCF: $25.90)
Sumitomo Mitsui Financial Group, Inc. has multiple valuation anchors: DCF Intrinsic Value: $25.90 | Peer Relative Fair Value: $3356.81. A convergence of these signals offers higher conviction.
Sumitomo Mitsui Financial Group, Inc. displays good financial health with a composite quality score of 66/100, supported by a Piotroski F-Score of 8/9, Return on Invested Capital (ROIC) of 2.4%.
Sumitomo Mitsui Financial Group, Inc. pays a 2.2% dividend yield, covered by a 34% payout ratio with 3 years of growth, supplemented by a 1.7% buyback yield.
Sumitomo Mitsui Financial Group, Inc.'s current growth trajectory is Stable. The company achieved +12.1% 1Y revenue growth and -13.1% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 4 analysts, beating EPS expectations in 75% of recent quarters with a 1-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for Sumitomo Mitsui Financial Group, Inc. include: -20.1% 1-year max drawdown. Volatility risk is characterized by a beta of 1.19x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.