Sumitomo Mitsui Financial Group Inc (SMFG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Sumitomo Mitsui Financial Group Inc stock (SMFG) is currently trading at $19.93. Sumitomo Mitsui Financial Group Inc PE ratio is 13.85. Sumitomo Mitsui Financial Group Inc PS ratio (Price-to-Sales) is 0.03. Analyst consensus price target for SMFG is $23.47. WallStSmart rates SMFG as Buy.
- SMFG PE ratio analysis and historical PE chart
- SMFG PS ratio (Price-to-Sales) history and trend
- SMFG intrinsic value — DCF, Graham Number, EPV models
- SMFG stock price prediction 2025 2026 2027 2028 2029 2030
- SMFG fair value vs current price
- SMFG insider transactions and insider buying
- Is SMFG undervalued or overvalued?
- Sumitomo Mitsui Financial Group Inc financial analysis — revenue, earnings, cash flow
- SMFG Piotroski F-Score and Altman Z-Score
- SMFG analyst price target and Smart Rating
Sumitomo Mitsui Financial Group Inc
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SMFG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Sumitomo Mitsui Financial Group Inc (SMFG)
SMFG trades at a significant discount to its Graham intrinsic value of $41.40, offering a 43% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Sumitomo Mitsui Financial Group Inc (SMFG) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around return on equity and institutional own.. Overall metrics suggest strong investment potential with favorable risk/reward.
Sumitomo Mitsui Financial Group Inc (SMFG) Key Strengths (7)
Growing significantly faster than its price suggests
Keeps $39 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Keeps $21 of every $100 in revenue as net profit
Large-cap company with substantial market presence
Trading at 1.24x book value, attractively priced
Strong revenue growth at 21.80% annually
Supporting Valuation Data
Sumitomo Mitsui Financial Group Inc (SMFG) Areas to Watch (3)
Very low returns on shareholder equity
Very low institutional interest at 1.83%
Solid earnings growth at 14.10%
Sumitomo Mitsui Financial Group Inc (SMFG) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 3.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Price/Sales. Valuation metrics including PEG Ratio (0.81), Price/Sales (0.03), Price/Book (1.24) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 39.30%, Profit Margin at 20.70%. Growth metrics are encouraging with Revenue Growth at 21.80%.
The Bear Case
The primary concerns are Return on Equity, Institutional Own., EPS Growth. Growth concerns include EPS Growth at 14.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.93%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.93% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 21.80% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SMFG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SMFG's Price-to-Sales ratio of 0.03x trades 235% above its historical average of 0.01x (98th percentile), historically expensive. The current valuation is 16% below its historical high of 0.04x set in Mar 2026, and Infinity% above its historical low of 0x in Jan 2008. Over the past 12 months, the PS ratio has expanded from ~0.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Sumitomo Mitsui Financial Group Inc (SMFG) · FINANCIAL SERVICES › BANKS - DIVERSIFIED
The Big Picture
Sumitomo Mitsui Financial Group Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 3.7T with 22% growth year-over-year. Profit margins are strong at 20.7%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 493.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 20.7% and operating margin of 39.3% demonstrate strong pricing power and operational efficiency.
Debt-to-equity ratio of 3.89 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Growth sustainability: can Sumitomo Mitsui Financial Group Inc maintain 22%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - DIVERSIFIED industry trends, competitive moves, and regulatory changes that could impact Sumitomo Mitsui Financial Group Inc.
Bottom Line
Sumitomo Mitsui Financial Group Inc offers an attractive blend of growth (22% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Sumitomo Mitsui Financial Group Inc(SMFG)
NYSE
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.