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Sumitomo Mitsui Financial GroupLTS:0LAF +0.96%64 5-Year Yield-on-Cost % is 5.60 as of Jul. 16, 2026, which is 42% below its 10-year median of 9.67. GuruFocus rates LTS:0LAF with a GF Score™ of 64/100 and a GF Value™ of $15.90 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,255 Banks companies, Sumitomo Mitsui Financial Group ranks better than 68.92% on this metric.
The historical rank and industry rank for Sumitomo Mitsui Financial Group's 5-Year Yield-on-Cost % or its related term are showing as below:
LTS:0LAF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.43 Med: 9.67 Max: 18.38
Current: 5.6
During the past 13 years, Sumitomo Mitsui Financial Group's highest Yield on Cost was 18.38. The lowest was 5.43. And the median was 9.67.
LTS:0LAF's 5-Year Yield-on-Cost % is ranked better than 68.92% of 1255
companies
in the Banks industry
Industry Median: 3.88
vs LTS:0LAF: 5.60
Sumitomo Mitsui Financial Group (LTS:0LAF) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Sumitomo Mitsui Financial Group 5-Year Yield-on-Cost % Related Terms
LTS:0LAF vs JPM, BAC, WFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, Sumitomo Mitsui Financial Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Sumitomo Mitsui Financial Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Sumitomo Mitsui Financial Group's 5-Year Yield-on-Cost % falls into.
Sumitomo Mitsui Financial Group 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Sumitomo Mitsui Financial Group (LTS:0LAF) has a 5-Year Yield-on-Cost % of 5.60 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sumitomo Mitsui Financial Group and its competitors. This is 42% below median its historical median of 9.67. Over the past decade, Sumitomo Mitsui Financial Group's 5-Year Yield-on-Cost % has ranged from 5.43 to 18.38. According to the industry distribution chart, Sumitomo Mitsui Financial Group ranks #390 out of 1255 companies in the Banks industry, placing it in the top 31.1%.
Is Sumitomo Mitsui Financial Group's 5-Year Yield-on-Cost % too high?
Sumitomo Mitsui Financial Group's current 5-Year Yield-on-Cost % of 5.60 is 42% below median its 10-year median of 9.67. Over the past 10 years, this metric has ranged from a low of 5.43 to a high of 18.38. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Sumitomo Mitsui Financial Group's value of 5.60 is 44.3% above this industry median. Based on the distribution chart, Sumitomo Mitsui Financial Group ranks #390 out of 1255 companies in the Banks industry, which is above the industry midpoint. Overall, Sumitomo Mitsui Financial Group has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sumitomo Mitsui Financial Group's 5-Year Yield-on-Cost % compare to JPM and BAC?
According to the Banks industry distribution chart, Sumitomo Mitsui Financial Group ranks #390 out of 1255 companies for 5-Year Yield-on-Cost %. This puts Sumitomo Mitsui Financial Group in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Sumitomo Mitsui Financial Group's value of 5.60 is 44.3% above this benchmark. Historically, Sumitomo Mitsui Financial Group's own 5-Year Yield-on-Cost % has ranged from 5.43 to 18.38 over the past decade. While the company's 10-year median is 9.67 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sumitomo Mitsui Financial Group's current 5-Year Yield-on-Cost % of 5.60 is 44.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sumitomo Mitsui Financial Group and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sumitomo Mitsui Financial Group's current 5-Year Yield-on-Cost % is 5.60, which is 42% below median its own 10-year median of 9.67. 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 (LTS:0LAF) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.90, compared to a current price of $26.36 — trading 65.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.60, which is 42% below median its 10-year median of 9.67 and 44.3% above the Banks industry median of 3.88. Sumitomo Mitsui Financial Group's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Sumitomo Mitsui Financial Group (LTS:0LAF), the current 5-Year Yield-on-Cost % is 5.60 as of Jul. 16, 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 (LTS:0LAF) Overvalued in 2026?
Based on GuruFocus' analysis, Sumitomo Mitsui Financial Group stock appears to be overvalued.
The current stock price of $26.36 is trading 65.8% above its estimated GF Value™ of $15.90.
GuruFocus considers Sumitomo Mitsui Financial Group to be Significantly Overvalued.
Key valuation signals for LTS:0LAF:
5-Year Yield-on-Cost %: 5.60 (42% below median its 10-year median of 9.67)
GF Value™: $15.90 vs. price of $26.36 (65.8% above fair value)
Industry Position: 44.3% above the Banks median (#390 of 1255)
No single metric tells the full story. See the LTS:0LAF 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.
64GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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