SMFG vs. STT: A Head-to-Head Stock Comparison

Updated on August 23, 2025

Here’s a clear look at SMFG and STT, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SMFG trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, STT is a standard domestic listing.

Symbol	SMFG	STT
Company Name	Sumitomo Mitsui Financial Group, Inc.	State Street Corporation
Country	Japan	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Capital Markets
Market Capitalization	107.28 billion USD	31.74 billion USD
Exchange	NYSE	NYSE
Listing Date	January 27, 2006	March 17, 1980
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of SMFG and STT by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

SMFG vs. STT: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	SMFG	STT
5-Day Price Return	2.80%	-1.51%
13-Week Price Return	18.72%	13.85%
26-Week Price Return	9.88%	13.00%
52-Week Price Return	58.60%	38.12%
Month-to-Date Return	6.77%	0.13%
Year-to-Date Return	9.35%	14.00%
10-Day Avg. Volume	14.69M	1.53M
3-Month Avg. Volume	13.83M	2.01M
3-Month Volatility	24.19%	24.17%
Beta	1.44	1.51

Profitability

Return on Equity (TTM)

SMFG

7.91%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

SMFG’s Return on Equity of 7.91% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

STT

10.85%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

STT’s Return on Equity of 10.85% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

SMFG vs. STT: A comparison of their Return on Equity (TTM) against their respective Banks and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

SMFG

19.05%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, SMFG’s Net Profit Margin of 19.05% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

STT

20.50%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

STT’s Net Profit Margin of 20.50% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

SMFG vs. STT: A comparison of their Net Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

SMFG

25.28%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

SMFG’s Operating Profit Margin of 25.28% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

STT

24.96%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

STT’s Operating Profit Margin of 24.96% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

SMFG vs. STT: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Profitability at a Glance

Symbol	SMFG	STT
Return on Equity (TTM)	7.91%	10.85%
Return on Assets (TTM)	0.39%	0.79%
Net Profit Margin (TTM)	19.05%	20.50%
Operating Profit Margin (TTM)	25.28%	24.96%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

SMFG

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

STT

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SMFG vs. STT: A comparison of their Current Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

SMFG

4.30

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

STT

1.40

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

SMFG vs. STT: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

SMFG

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

STT

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

SMFG vs. STT: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Financial Strength at a Glance

Symbol	SMFG	STT
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	4.30	1.40
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

SMFG vs. STT: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

SMFG vs. STT: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

SMFG

2.58%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

SMFG’s Dividend Yield of 2.58% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

STT

3.40%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

STT’s Dividend Yield of 3.40% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

SMFG vs. STT: A comparison of their Dividend Yield (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

SMFG

104.11%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

SMFG’s Dividend Payout Ratio of 104.11% is in the upper quartile for the Banks industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

STT

37.74%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

STT’s Dividend Payout Ratio of 37.74% is within the typical range for the Capital Markets industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

SMFG vs. STT: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend at a Glance

Symbol	SMFG	STT
Dividend Yield (TTM)	2.58%	3.40%
Dividend Payout Ratio (TTM)	104.11%	37.74%

Valuation

Price-to-Earnings Ratio (TTM)

SMFG

13.56

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

A P/E Ratio of 13.56 places SMFG in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

STT

11.09

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

In the lower quartile for the Capital Markets industry, STT’s P/E Ratio of 11.09 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

SMFG vs. STT: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

SMFG

2.32

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

STT

1.80

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

In the lower quartile for the Capital Markets industry, STT’s P/S Ratio of 1.80 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

SMFG vs. STT: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

SMFG

1.00

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

SMFG’s P/B Ratio of 1.00 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

STT

1.11

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

STT’s P/B Ratio of 1.11 is in the lower quartile for the Capital Markets industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

SMFG vs. STT: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	SMFG	STT
Price-to-Earnings Ratio (TTM)	13.56	11.09
Price-to-Sales Ratio (TTM)	2.32	1.80
Price-to-Book Ratio (MRQ)	1.00	1.11
Price-to-Free Cash Flow Ratio (TTM)	3.47	6.81