Sumitomo Mitsui Financial (SMFG) Stock Analysis

November 11, 2026

This is a peer-relative look at Sumitomo Mitsui Financial (SMFG): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Sumitomo Mitsui Financial (SMFG) trades as an ADR rather than ordinary local shares — read it with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile fields for Sumitomo Mitsui Financial (SMFG)
Profile Item	SMFG
Name	Sumitomo Mitsui Financial Group Inc. Sponsored ADR
Country/Region	Japan
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Diversified Banks
Market Capitalization	146.21 billion USD
Currency	USD
Exchange	NYSE
Listing Date	January 27, 2006
Security Type	ADR

Price Performance

Cumulative Growth

SMFG

GSPC

Sumitomo Mitsui Financial (SMFG) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Sumitomo Mitsui Financial (SMFG) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Sumitomo Mitsui Financial (SMFG) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Sumitomo Mitsui Financial (SMFG) metric values compared with Banks industry-group medians
Metric	Current stock: SMFG	Industry group median
Total Return (1Y)	48.37%	30.28%
Total Return (3Y, Annualized)	40.65%	26.57%
Total Return (5Y, Annualized)	30.85%	9.43%

Risk Profile

Drawdown History

SMFG

GSPC

Sumitomo Mitsui Financial (SMFG) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Sumitomo Mitsui Financial (SMFG) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Sumitomo Mitsui Financial (SMFG) metric values compared with Banks industry-group medians
Metric	Current stock: SMFG	Industry group median
Volatility (1Y, Annualized)	30.15%	24.34%
Beta (5Y)	0.54	0.72
Max Drawdown (5Y)	-30.00%	-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. SMFG is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Sumitomo Mitsui Financial (SMFG) metric values compared with Banks industry-group medians
Metric	Current stock: SMFG	Industry group median
Sharpe Ratio (1Y)	1.46	1.08
Sortino Ratio (1Y)	2.29	1.61

Profitability

ROE (TTM)

Sumitomo Mitsui Financial (SMFG) posts ROE of 8.57%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.

SMFG

Banks industry group

8.57%

Group distribution

Max: 19.84%
Q3: 13.67%
Median: 11.49%
Q1: 9.50%
SMFG: 8.57%
Min: 3.64%

Largest peers

JPM: 18.01%
RY: 16.21%
HSBC: 14.22%
WFC: 12.91%
BAC: 10.73%
MUFG: 9.46%
SMFG: 8.57%

Where Sumitomo Mitsui Financial (SMFG) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Sumitomo Mitsui Financial (SMFG) keeps 27.82% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

SMFG

Banks industry group

27.82%

Group distribution

Max: 47.19%
Q3: 35.25%
Median: 31.21%
SMFG: 27.82%
Q1: 27.11%
Min: 14.93%

Largest peers

HSBC: 41.16%
JPM: 34.59%
RY: 33.87%
BAC: 28.06%
SMFG: 27.82%
WFC: 27.64%
MUFG: 27.45%

Where Sumitomo Mitsui Financial (SMFG) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Sumitomo Mitsui Financial (SMFG) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Sumitomo Mitsui Financial (SMFG) metric values compared with Banks industry-group medians
Metric	Current stock: SMFG	Industry group median
ROE (TTM)	8.57%	11.49%
ROA (TTM)	0.42%	1.24%
Net Margin (TTM)	27.82%	31.21%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Sumitomo Mitsui Financial (SMFG) grew revenue 14.32%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Sumitomo Mitsui Financial (SMFG): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Sumitomo Mitsui Financial (SMFG) grew earnings per share 36.62%, in the upper peer quartile. Per-share profits are compounding faster than at most industry peers.

Sumitomo Mitsui Financial (SMFG): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Sumitomo Mitsui Financial (SMFG) metric values compared with Banks industry-group medians
Metric	Current stock: SMFG	Industry group median
Revenue Growth (YoY)	14.32%	11.23%
Revenue Growth (3Y CAGR)	15.91%	6.33%
EPS Growth (YoY)	36.62%	16.14%
EPS Growth (3Y CAGR)	--	3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Sumitomo Mitsui Financial (SMFG) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Sumitomo Mitsui Financial (SMFG) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Sumitomo Mitsui Financial (SMFG) metric values compared with Banks industry-group medians
Metric	Current stock: SMFG	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Sumitomo Mitsui Financial (SMFG) has dividend yield of 334.33%, above the entire industry range. That headline income is large, but yields this far above peers often come from a falling share price or an at-risk payout, so dividend safety matters more than the percentage itself.

SMFG

Banks industry group

334.33%

Group distribution

SMFG: 334.33%
Max: 5.79%
Q3: 3.18%
Median: 2.39%
Q1: 1.20%
Min: 0.00%

Largest peers

MUFG: 406.81%
SMFG: 334.33%
RY: 3.23%
BAC: 2.33%
WFC: 2.19%
JPM: 1.82%
HSBC: 0.86%

Where Sumitomo Mitsui Financial (SMFG) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Sumitomo Mitsui Financial (SMFG) has payout ratio of 33.62%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

SMFG

Banks industry group

33.62%

Group distribution

Max: 70.75%
Q3: 41.28%
SMFG: 33.62%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

Largest peers

HSBC: 53.57%
RY: 41.49%
MUFG: 34.74%
SMFG: 33.62%
BAC: 27.62%
WFC: 26.09%
JPM: 25.80%

Where Sumitomo Mitsui Financial (SMFG) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Sumitomo Mitsui Financial (SMFG) metric values compared with Banks industry-group medians
Metric	Current stock: SMFG	Industry group median
Dividend Yield (TTM)	334.33%	2.39%
Dividend Payout Ratio (TTM)	33.62%	29.26%

Valuation

P/E Ratio (TTM)

Sumitomo Mitsui Financial (SMFG) trades at P/E ratio of 13.47, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

SMFG

Banks industry group

13.47

Group distribution

Max: 18.16
Q3: 13.75
SMFG: 13.47
Median: 11.81
Q1: 10.64
Min: 6.49

Largest peers

RY: 17.58
JPM: 14.03
MUFG: 13.71
SMFG: 13.47
WFC: 11.84
BAC: 11.79
HSBC: 11.38

Where Sumitomo Mitsui Financial (SMFG) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Sumitomo Mitsui Financial (SMFG) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Sumitomo Mitsui Financial (SMFG) trades at 1.45 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

SMFG

Banks industry group

1.45

Group distribution

Max: 2.28
Q3: 1.58
SMFG: 1.45
Median: 1.32
Q1: 1.10
Min: 0.59

Largest peers

HSBC: 6.87
RY: 2.92
JPM: 2.53
MUFG: 1.64
WFC: 1.59
SMFG: 1.45
BAC: 1.26

Where Sumitomo Mitsui Financial (SMFG) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Sumitomo Mitsui Financial (SMFG) metric values compared with Banks industry-group medians
Metric	Current stock: SMFG	Industry group median
P/E Ratio (TTM)	13.47	11.81
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.45	1.32
Free Cash Flow Yield (TTM)	--	--