Sumitomo Mitsui Financial Group is roughly tied with Mizuho Financial Group for the status of Japan's second-largest bank after Mitsubishi UFJ Financial Group. As of March 2023, its market share of domestic loans was 7.1%, compared with 8.1% for MUFG. It has a larger consumer finance business than the other two megabanks, owning 100% of the Promise business and SMBC Card. It also controls one of Japan's largest leasing companies and SMBC Aviation Capital, one of the top five aircraft lessors globally. In securities, its SMBC Nikko unit is Japan's third-largest retail broker, although SMFG has lagged somewhat in institutional securities business and asset management.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2.32
Equity-to-Asset	0.05
Debt-to-Equity	2.39
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.33	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	6.6
	3-Year EPS without NRI Growth Rate	5.1
	3-Year Book Growth Rate	6.4
	Future 3-5Y EPS without NRI Growth Rate	9.4
	Future 3-5Y Total Revenue Growth Rate	0.75

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	36.6
	9-Day RSI	40.46
	14-Day RSI	43.91
	6-1 Month Momentum %	17.49
	12-1 Month Momentum %	42.6

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.31
	Dividend Payout Ratio	0.37
	3-Year Dividend Growth Rate	8.1
	Forward Dividend Yield %	3.27
	5-Year Yield-on-Cost %	4.52
	3-Year Average Share Buyback Ratio	0.6
	Shareholder Yield %	-15.66

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	20.9
	FCF Margin %	-165.1
	ROE %	6.32
	ROA %	0.3
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	12.55
	Forward PE Ratio	11.11
	PE Ratio without NRI	10.98
	Shiller PE Ratio	15.37
	PEG Ratio	2.15
	PS Ratio	2.89
	PB Ratio	0.83
	Price-to-Tangible-Book	0.89
	EV-to-Revenue	-7.43
	EV-to-Forward-Revenue	8.14
	EV-to-FCF	5.2
	Price-to-Projected-FCF	0.2
	Price-to-Median-PS-Value	1.99
	Price-to-Peter-Lynch-Fair-Value	2.01
	Price-to-Graham-Number	0.69
	FCF Yield %	-63.2
	Forward Rate of Return (Yacktman) %	50.87

GF Value: $30.88

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