Sumitomo Mitsui Financial Group Inc (SMFG)vsUniversal Health Services Inc (UHS)
SMFG
Sumitomo Mitsui Financial Group Inc
$19.93
+1.74%
FINANCIAL SERVICES · Cap: $124.28B
UHS
Universal Health Services Inc
$186.72
+0.43%
HEALTHCARE · Cap: $11.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Sumitomo Mitsui Financial Group Inc generates 21250% more annual revenue ($3.71T vs $17.36B). SMFG leads profitability with a 20.7% profit margin vs 8.6%. SMFG appears more attractively valued with a PEG of 0.81. UHS earns a higher WallStSmart Score of 76/100 (B+).
SMFG
Strong Buy76
out of 100
Grade: B+
UHS
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.7%
Fair Value
$41.40
Current Price
$19.93
$21.47 discount
Margin of Safety
+78.6%
Fair Value
$1081.08
Current Price
$186.72
$894.36 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 21 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Attractively priced relative to earnings
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Earnings expanding 42.7% YoY
Areas to Watch
ROE of 4.9% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : SMFG
The strongest argument for SMFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 20.7% and operating margin at 39.3%. Revenue growth of 21.8% demonstrates continued momentum.
Bull Case : UHS
The strongest argument for UHS centers on P/E Ratio, Return on Equity, Price/Book. PEG of 1.29 suggests the stock is reasonably priced for its growth.
Bear Case : SMFG
The primary concerns for SMFG are Return on Equity, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.89 is elevated, increasing financial risk.
Bear Case : UHS
No major red flags identified for UHS, but monitor valuation.
Key Dynamics to Monitor
SMFG profiles as a growth stock while UHS is a value play — different risk/reward profiles.
UHS carries more volatility with a beta of 1.26 — expect wider price swings.
SMFG is growing revenue faster at 21.8% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SMFG scores higher overall (76/100 vs 76/100), backed by strong 20.7% margins and 21.8% revenue growth. UHS offers better value entry with a 78.6% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Sumitomo Mitsui Financial Group Inc
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Sumitomo Mitsui Financial Group, Inc. provides commercial banking, finance leasing, securities, consumer finance, and other services primarily in Japan. The company is headquartered in Tokyo, Japan.
Visit Website →Universal Health Services Inc
HEALTHCARE · MEDICAL CARE FACILITIES · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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