Sumitomo Mitsui Financial GroupBSP:S1MF34 62 Piotroski F-Score is 7 as of Jun. 24, 2026, which is at its 10-year median of 7.00. GuruFocus rates BSP:S1MF34 with a GF Score™ of 62/100 and a GF Value™ of R$82.90 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,498 Banks companies, Sumitomo Mitsui Financial Group ranks better than 78.04% on this metric.
Good Sign:
Piotroski F-Score is 7, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Sumitomo Mitsui Financial Group has an F-score of 5 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Sumitomo Mitsui Financial Group's Piotroski F-Score or its related term are showing as below:
BSP:S1MF34'
s Piotroski F-Score Range Over the Past 10 Years
Min: 4 Med: 7 Max: 8
Current: 7
During the past 13 years, the highest Piotroski F-Score of Sumitomo Mitsui Financial Group was 8. The lowest was 4. And the median was 7.
Sumitomo Mitsui Financial Group (BSP:S1MF34) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Sumitomo Mitsui Financial Group Piotroski F-Score Related Terms
Sumitomo Mitsui Financial Group Piotroski F-Score Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Sumitomo Mitsui Financial Group Piotroski F-Score Chart
BSP:S1MF34 vs JPM, BAC, WFC: Piotroski F-Score Comparison
For the Banks - Diversified subindustry, Sumitomo Mitsui Financial Group's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sumitomo Mitsui Financial Group Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Sumitomo Mitsui Financial Group's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Sumitomo Mitsui Financial Group's Piotroski F-Score falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Sumitomo Mitsui Financial Group's current Net Income (TTM) was 52,169.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Sumitomo Mitsui Financial Group's current Cash Flow from Operations (TTM) was -338,895.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Sumitomo Mitsui Financial Group's return on assets of this year was 0.00440926. Sumitomo Mitsui Financial Group's return on assets of last year was 0.00463716.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Sumitomo Mitsui Financial Group's gearing of this year was 0.07421917. Sumitomo Mitsui Financial Group's gearing of last year was 0.09079095.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Sumitomo Mitsui Financial Group's current ratio of this year was 1.05097333. Sumitomo Mitsui Financial Group's current ratio of last year was 1.05092465.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Sumitomo Mitsui Financial Group's number of shares in issue this year was 6405.32. Sumitomo Mitsui Financial Group's number of shares in issue last year was 6512.295.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Sumitomo Mitsui Financial Group's net margin of this year was 0.27332397. Sumitomo Mitsui Financial Group's net margin of last year was 0.23251746.
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Sumitomo Mitsui Financial Group's asset turnover of this year was 0.016132. Sumitomo Mitsui Financial Group's asset turnover of last year was 0.01994329.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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5
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Sumitomo Mitsui Financial Group has an F-score of 5 indicating the company's financial situation is typical for a stable company.
Sumitomo Mitsui Financial Group (BSP:S1MF34) has a Piotroski F-Score of 7 as of Jun. 24, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Sumitomo Mitsui Financial Group and its competitors. This is near median its historical median of 7.00. Over the past decade, Sumitomo Mitsui Financial Group's Piotroski F-Score has ranged from 4.00 to 8.00. According to the industry distribution chart, Sumitomo Mitsui Financial Group ranks #329 out of 1498 companies in the Banks industry, placing it in the top 22%.
Is Sumitomo Mitsui Financial Group's Piotroski F-Score too high?
Sumitomo Mitsui Financial Group's current Piotroski F-Score of 7 is near median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 8.00. The Banks industry median Piotroski F-Score is 6.00. Sumitomo Mitsui Financial Group's value of 7 is 16.7% above this industry median. Based on the distribution chart, Sumitomo Mitsui Financial Group ranks #329 out of 1498 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sumitomo Mitsui Financial Group has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sumitomo Mitsui Financial Group's Piotroski F-Score compare to JPM and BAC?
According to the Banks industry distribution chart, Sumitomo Mitsui Financial Group ranks #329 out of 1498 companies for Piotroski F-Score. This places Sumitomo Mitsui Financial Group in the top 22% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 6.00. Sumitomo Mitsui Financial Group's value of 7 is 16.7% above this benchmark. Historically, Sumitomo Mitsui Financial Group's own Piotroski F-Score has ranged from 4.00 to 8.00 over the past decade. While the company's 10-year median is 7.00 vs. the industry median of 6.00, Sumitomo Mitsui Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sumitomo Mitsui Financial Group's current Piotroski F-Score of 7 is 16.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Sumitomo Mitsui Financial Group and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sumitomo Mitsui Financial Group's current Piotroski F-Score is 7, which is near median its own 10-year median of 7.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sumitomo Mitsui Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Sumitomo Mitsui Financial Group (BSP:S1MF34) is currently considered Significantly Overvalued. The stock's GF Value™ is R$82.90, compared to a current price of R$124.23 — trading 49.9% above its estimated fair value. The current Piotroski F-Score is 7, which is near median its 10-year median of 7.00 and 16.7% above the Banks industry median of 6.00. Sumitomo Mitsui Financial Group's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Sumitomo Mitsui Financial Group (BSP:S1MF34), the current Piotroski F-Score is 7 as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sumitomo Mitsui Financial Group (BSP:S1MF34) Overvalued in 2026?
Based on GuruFocus' analysis, Sumitomo Mitsui Financial Group stock appears to be overvalued.
The current stock price of R$124.23 is trading 49.9% above its estimated GF Value™ of R$82.90.
GuruFocus considers Sumitomo Mitsui Financial Group to be Significantly Overvalued.
Key valuation signals for BSP:S1MF34:
Piotroski F-Score: 7 (near median its 10-year median of 7.00)
GF Value™: R$82.90 vs. price of R$124.23 (49.9% above fair value)
Industry Position: 16.7% above the Banks median (#329 of 1498)
No single metric tells the full story. See the BSP:S1MF34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sumitomo Mitsui Financial Group Business Description
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 2025, its market share of domestic loans was 7.3%, compared with 8.4% 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.
62GF Score
Get the complete analysis for BSP:S1MF34
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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