US · SMFG
Sumitomo Mitsui Financial Group, Inc.
- Sector
- Financial Services · Banks - Diversified
- Headquarters
- Tokyo 100-0005
- Website
- smfg.co.jp
Price · as of 2025-03-31
$21.15
Market cap 85.9B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $0.10 | -99.53% |
| Intrinsic Value(DCF) | $6.06 | -71.35% |
| Graham-Dodd Method(GD) | $24.30 | +14.89% |
| Graham Formula(GF) | $36.10 | +70.69% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $5.34 | $21.28 | $0.00 | $5.40 | $30.50 |
| 2012 | $5.70 | $18.16 | $0.00 | $8.40 | $9.20 |
| 2013 | $8.14 | $21.12 | $0.00 | $13.00 | $15.90 |
| 2014 | $8.01 | $26.40 | $2.44 | $14.00 | $0.00 |
| 2015 | $8.57 | $40.48 | $0.00 | $16.10 | $44.80 |
| 2016 | $5.65 | $34.44 | $0.00 | $14.10 | $8.00 |
| 2017 | $7.44 | $33.08 | $6.45 | $16.60 | $0.00 |
| 2018 | $7.97 | $45.39 | $0.00 | $16.60 | $57.20 |
| 2019 | $6.65 | $22.63 | $0.00 | $16.80 | $0.00 |
| 2020 | $5.85 | $16.28 | $0.00 | $16.60 | $6.70 |
| 2021 | $6.80 | $36.16 | $12.16 | $16.70 | $0.00 |
| 2022 | $5.46 | $27.57 | $0.00 | $18.20 | $16.60 |
| 2023 | $7.86 | $27.28 | $0.00 | $19.50 | $76.20 |
| 2024 | $12.60 | $51.04 | $0.00 | $23.50 | $92.90 |
| 2025 | $15.15 | $17.52 | $0.37 | $24.30 | $36.10 |
AI valuation
Our deep-learning model estimates Sumitomo Mitsui Financial Group, Inc.'s (SMFG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $0.10
- Current price
- $21.15
- AI upside
- -99.53%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$6.06
-71.35% upside
Graham-Dodd
$24.30
+14.89% upside
Graham Formula
$36.10
+70.69% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SMFG | Sumitomo Mitsui Financial… | $21.15 | 85.9B | -17% | -71% | +15% | +71% | 7.51 | 0.60 | 0.92 | -18.49 | 28.76 | 0.65 | 48.90% | 17.60% | 12.20% | 8.02% | -2.38% | 0.39% | 3.96 | 0.37 | 0.45 | 0.45 | -8.73 | 2613.00% | 1016.00% | 173379.00% | 52.01% | 0.02 | -9.22% | 4.66% | 35.00% | 7.50% | -21.54 | -7.96 | -3.79 | -0.39 |
| BBVA | Banco Bilbao Vizcaya Arge… | $23.13 | 132.44B | +295% | -36% | -61% | +6% | 11.68 | 1.98 | 3.07 | -4.54 | 1962.60 | 2.08 | 83.56% | 43.94% | 28.46% | 17.19% | -24.66% | 1.19% | 1.43 | — | 0.44 | 0.44 | -0.68 | 60.00% | 408.00% | -68124.00% | 99.28% | 0.18 | -249.73% | 3.55% | 41.50% | 90.40% | -4.97 | -0.72 | -2.18 | -0.31 |
| BCS | Barclays PLC | $24.28 | 84.05B | +59% | -29% | +19% | — | 8.71 | 0.80 | 2.33 | -16.00 | 43.53 | 0.90 | 108.66% | 37.28% | 26.74% | 9.59% | -3.84% | 0.47% | 2.20 | 0.47 | 0.58 | 0.58 | -5.41 | 2000.00% | -4805.00% | -24569.00% | -12.93% | -0.01 | 3.93% | 3.54% | 30.80% | 68.70% | -17.44 | 21.61 | -6.50 | -0.11 |
| BSBR | Banco Santander (Brasil) … | $6.51 | 49.54B | -29% | +422% | -71% | -26% | 13.00 | 1.46 | 1.35 | 0.58 | 32.23 | 2.01 | 34.04% | 14.87% | 10.36% | 11.47% | -73.17% | 1.14% | 1.13 | 0.24 | 0.39 | 0.39 | -3.17 | 4032.00% | 631.00% | -17138.00% | -13.62% | -0.03 | 129.50% | 3.22% | 41.90% | 14.44% | 0.66 | -0.54 | 0.10 | -0.16 |
| IX | ORIX Corporation | $35.55 | 39.47B | +4% | -76% | -47% | -41% | 10.40 | 0.89 | 1.27 | 9.50 | 340.25 | 1.28 | 41.76% | 11.54% | 12.23% | 8.76% | 2.59% | 2.12% | 1.60 | 1.96 | 2.16 | 2.04 | 5.65 | 306.00% | 215.00% | 237.00% | 32.89% | 0.38 | 12.82% | 3.71% | 38.60% | 7.72% | 27.05 | 7.46 | 3.12 | 0.97 |
| MFG | Mizuho Financial Group, I… | $8.87 | 109.55B | -49% | +18% | -39% | -10% | 8.85 | 1.01 | 1.22 | -8.64 | 28.79 | 1.09 | 41.79% | 13.84% | 10.30% | 11.51% | -11.15% | 0.42% | 5.83 | 0.24 | 0.39 | 0.39 | -8.31 | 3072.00% | 947.00% | -35589.00% | -39.57% | -0.02 | 52.27% | 2.89% | 25.60% | 3.87% | -10.14 | 2.90 | -1.40 | -0.48 |
| MUFG | Mitsubishi UFJ Financial … | $18.64 | 211.28B | -44% | +27% | -35% | +24% | 9.44 | 1.17 | 1.94 | -13.69 | 33.40 | 1.29 | 56.54% | 20.52% | 14.99% | 12.72% | -5.30% | 0.62% | 4.36 | 0.46 | 0.49 | 0.49 | -6.64 | 2827.00% | 1413.00% | -9563.00% | -1.87% | 0.00 | 1.23% | 2.21% | 20.90% | 3.95% | -15.92 | 90.18 | -3.27 | -0.34 |
| NMR | Nomura Holdings, Inc. | $9.00 | 26.4B | +494% | +406% | -12% | +80% | 7.94 | 0.79 | 0.61 | 53.57 | 7.19 | 0.81 | 36.89% | 10.47% | 7.56% | 10.18% | 1.19% | 0.62% | 9.03 | 0.17 | 0.21 | 0.21 | 48.41 | 11048.00% | 1342.00% | 650820.00% | -31.51% | -0.02 | -2.97% | 4.08% | 32.40% | 6.22% | 60.57 | -32.91 | 6.34 | -0.38 |
| NWG | NatWest Group plc | $16.60 | 33.09B | +38% | +14% | +23% | +161% | 3.17 | 0.57 | 0.83 | -0.22 | 11.59 | 0.69 | 56.34% | 26.15% | 19.78% | 18.81% | 80.29% | 1.08% | 1.69 | 0.60 | 0.20 | 0.20 | -1.53 | 2736.00% | 320.00% | 73429.00% | 23.70% | 0.01 | 79.68% | 9.73% | 30.80% | 20.20% | -0.26 | -0.34 | -0.07 | -0.51 |
About Sumitomo Mitsui Financial Group, Inc.
Sumitomo Mitsui Financial Group, Inc., together with its subsidiaries, provides commercial banking, leasing, securities, consumer finance, and other services in Japan, the Americas, Europe, the Middle East, Asia, and Oceania. It operates through four segments: Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit. The Wholesale Business Unit segment offers financing, investment management, risk hedging, and settlement services, as well as financial solutions related to mergers and acquisition, and other advisory services primarily for large, mid, and small-sized corporate clients; various leasing services, including equipment, and operating and leveraged leasing; and digital services, such as robotic process automation and electronic contract services. The Retail Business Unit segment offers wealth management, settlement, consumer finance, and housing loan products and services, as well as business and asset succession services to high-net-worth customers. The Global Business Unit segment offers loans, deposits, clearing services, trade finance, project finance, loan syndication, derivatives, and cash management services; underwriting services; and leasing services related to the construction machinery, transportation equipment, industrial machinery, medical equipment, and aircraft leasing. The Global Markets Business Unit segment offers solutions through foreign exchange products, derivatives, bonds, stocks, and other marketable financial products. It also undertakes asset liability management operations. The company also offers credit card, internet banking, system development and engineering, data processing, management consulting and economic research, and investment advisory and investment trust management services. Sumitomo Mitsui Financial Group, Inc. was incorporated in 2002 and is headquartered in Tokyo, Japan.
- CEO
- Toru Nakashima
- Employees
- 120K
- Beta
- 0.16
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($6.06 ÷ $21.15) − 1 = -71.35% (DCF, example).