IBN vs. SMFG: ICICI Bank vs. Sumitomo Mitsui Financial Stock Comparison

Company Profile

ICICI Bank (IBN) and Sumitomo Mitsui Financial (SMFG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both ICICI Bank (IBN) and Sumitomo Mitsui Financial (SMFG) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

ICICI Bank (IBN) at 16.49% sits in the top ROE quartile, while Sumitomo Mitsui Financial (SMFG) at 8.57% is in the bottom quartile, showing a clear gap in returns on equity.

Both ICICI Bank (IBN) at 27.85% and Sumitomo Mitsui Financial (SMFG) at 27.82% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for ICICI Bank (IBN) in Banks and Sumitomo Mitsui Financial (SMFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both ICICI Bank (IBN) at 9.13% and Sumitomo Mitsui Financial (SMFG) at 14.32% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Sumitomo Mitsui Financial (SMFG) at 36.62% sits in the top EPS growth quartile, while ICICI Bank (IBN) at 5.10% is closer to the peer norm — faster per-share earnings growth for SMFG.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: ICICI Bank (IBN) in Banks and Sumitomo Mitsui Financial (SMFG) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: ICICI Bank (IBN) in Banks and Sumitomo Mitsui Financial (SMFG) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

ICICI Bank (IBN) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Sumitomo Mitsui Financial (SMFG) reports a yield of 334.33%, ranking against industry peers normally.

Sumitomo Mitsui Financial (SMFG) at 33.62% keeps its payout within the industry’s typical band; ICICI Bank (IBN) at 14.16% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

Sumitomo Mitsui Financial (SMFG) at 13.47 is near its industry’s usual P/E ratio, while ICICI Bank (IBN) at 19.26 sits above its peer range — an unusually expensive price for IBN’s trailing earnings.

P/S ratio is set aside for both ICICI Bank (IBN) in Banks and Sumitomo Mitsui Financial (SMFG) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Sumitomo Mitsui Financial (SMFG) at 1.45 sits near its industry’s typical P/B ratio, while ICICI Bank (IBN) at 2.94 prices above its benchmark range — IBN looks rich relative to book.

Valuation Metrics