Sumitomo Mitsui Financial Group Inc stock PB Ratio (=1.54) is close to 10-year high of 1.57.
The historical rank and industry rank for Sumitomo Mitsui Financial Group's PB Ratio or its related term are showing as below:
STU:XMF'
s PB Ratio Range Over the Past 10 Years
Min: 0.32 Med: 0.58 Max: 1.57
Current: 1.54
During the past 13 years, Sumitomo Mitsui Financial Group's highest PB Ratio was 1.57. The lowest was 0.32. And the median was 0.58.
STU:XMF's PB Ratio is ranked worse than 79.74% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs STU:XMF: 1.54
During the past 12 months, Sumitomo Mitsui Financial Group's average Book Value Per Share Growth Rate was 9.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Sumitomo Mitsui Financial Group was 20.20% per year. The lowest was -15.50% per year. And the median was 5.60% per year.
Back to Basics: PB Ratio
Sumitomo Mitsui Financial Group (STU:XMF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Sumitomo Mitsui Financial Group PB Ratio Related Terms
Sumitomo Mitsui Financial Group PB Ratio 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.
For the Banks - Diversified subindustry, Sumitomo Mitsui Financial Group's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Sumitomo Mitsui Financial Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Sumitomo Mitsui Financial Group's PB Ratio falls into.
Sumitomo Mitsui Financial Group PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Sumitomo Mitsui Financial Group (STU:XMF) has a PB Ratio of 1.52 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Sumitomo Mitsui Financial Group and its competitors. This is 162% above median its historical median of 0.58. Over the past decade, Sumitomo Mitsui Financial Group's PB Ratio has ranged from 0.32 to 1.57. According to the industry distribution chart, Sumitomo Mitsui Financial Group ranks #1208 out of 1515 companies in the Banks industry, placing it in the top 79.7%.
Is Sumitomo Mitsui Financial Group's PB Ratio too high?
Sumitomo Mitsui Financial Group's current PB Ratio of 1.52 is 162% above median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 1.57. The Banks industry median PB Ratio is 1.08. Sumitomo Mitsui Financial Group's value of 1.52 is 40.7% above this industry median. Based on the distribution chart, Sumitomo Mitsui Financial Group ranks #1208 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sumitomo Mitsui Financial Group has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sumitomo Mitsui Financial Group's PB Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, Sumitomo Mitsui Financial Group ranks #1208 out of 1515 companies for PB Ratio. This places Sumitomo Mitsui Financial Group in the lower half of its industry. The industry median PB Ratio is 1.08. Sumitomo Mitsui Financial Group's value of 1.52 is 40.7% above this benchmark. Historically, Sumitomo Mitsui Financial Group's own PB Ratio has ranged from 0.32 to 1.57 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sumitomo Mitsui Financial Group's current PB Ratio of 1.52 is 40.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Sumitomo Mitsui Financial Group and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sumitomo Mitsui Financial Group's current PB Ratio is 1.52, which is 162% above median its own 10-year median of 0.58. 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 (STU:XMF) is currently considered Significantly Overvalued. The stock's GF Value™ is €23.57, compared to a current price of €34.20 — trading 45.1% above its estimated fair value. The current PB Ratio is 1.52, which is 162% above median its 10-year median of 0.58 and 40.7% above the Banks industry median of 1.08. Sumitomo Mitsui Financial Group's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Sumitomo Mitsui Financial Group (STU:XMF), the current PB Ratio is 1.52 as of Jun. 25, 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 (STU:XMF) Overvalued in 2026?
Based on GuruFocus' analysis, Sumitomo Mitsui Financial Group stock appears to be overvalued.
The current stock price of €34.20 is trading 45.1% above its estimated GF Value™ of €23.57.
GuruFocus considers Sumitomo Mitsui Financial Group to be Significantly Overvalued.
Key valuation signals for STU:XMF:
PB Ratio: 1.52 (162% above median its 10-year median of 0.58)
GF Value™: €23.57 vs. price of €34.20 (45.1% above fair value)
Industry Position: 40.7% above the Banks median (#1208 of 1515)
No single metric tells the full story. See the STU:XMF 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.
61GF Score
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