* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Sumitomo Mitsui Financial Group's PEG Ratio or its related term are showing as below:
STU:XMF'
s PEG Ratio Range Over the Past 10 Years
Min: 0.4 Med: 1.46 Max: 2.55
Current: 1.84
During the past 13 years, Sumitomo Mitsui Financial Group's highest PEG Ratio was 2.55. The lowest was 0.40. And the median was 1.46.
STU:XMF's PEG Ratio is ranked worse than 57.2% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs STU:XMF: 1.84
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Sumitomo Mitsui Financial Group (STU:XMF) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Sumitomo Mitsui Financial Group PEG Ratio Related Terms
Sumitomo Mitsui Financial Group PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Sumitomo Mitsui Financial Group's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Sumitomo Mitsui Financial Group's PEG Ratio 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: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Sumitomo Mitsui Financial Group (STU:XMF) has a PEG Ratio of 1.75 as of Jul. 01, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Sumitomo Mitsui Financial Group and its competitors. This is 20% above median its historical median of 1.46. Over the past decade, Sumitomo Mitsui Financial Group's PEG Ratio has ranged from 0.40 to 2.55. According to the industry distribution chart, Sumitomo Mitsui Financial Group ranks #703 out of 1229 companies in the Banks industry, placing it in the top 57.2%.
Is Sumitomo Mitsui Financial Group's PEG Ratio too high?
Sumitomo Mitsui Financial Group's current PEG Ratio of 1.75 is 20% above median its 10-year median of 1.46. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 2.55. The Banks industry median PEG Ratio is 1.52. Sumitomo Mitsui Financial Group's value of 1.75 is 15.1% above this industry median. Based on the distribution chart, Sumitomo Mitsui Financial Group ranks #703 out of 1229 companies in the Banks industry, which is below the industry midpoint. 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 PEG Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, Sumitomo Mitsui Financial Group ranks #703 out of 1229 companies for PEG Ratio. This places Sumitomo Mitsui Financial Group in the lower half of its industry. The industry median PEG Ratio is 1.52. Sumitomo Mitsui Financial Group's value of 1.75 is 15.1% above this benchmark. Historically, Sumitomo Mitsui Financial Group's own PEG Ratio has ranged from 0.40 to 2.55 over the past decade. While the company's 10-year median is 1.46 vs. the industry median of 1.52, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sumitomo Mitsui Financial Group's current PEG Ratio of 1.75 is 15.1% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Sumitomo Mitsui Financial Group and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sumitomo Mitsui Financial Group's current PEG Ratio is 1.75, which is 20% above median its own 10-year median of 1.46. 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 €23.32, compared to a current price of €34.40 — trading 47.5% above its estimated fair value. The current PEG Ratio is 1.75, which is 20% above median its 10-year median of 1.46 and 15.1% above the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Sumitomo Mitsui Financial Group (STU:XMF), the current PEG Ratio is 1.75 as of Jul. 01, 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 €34.40 is trading 47.5% above its estimated GF Value™ of €23.32.
GuruFocus considers Sumitomo Mitsui Financial Group to be Significantly Overvalued.
Key valuation signals for STU:XMF:
PEG Ratio: 1.75 (20% above median its 10-year median of 1.46)
GF Value™: €23.32 vs. price of €34.40 (47.5% above fair value)
Industry Position: 15.1% above the Banks median (#703 of 1229)
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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