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Financial Analysis

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v0.1
SMFG$22.13+0.73%
Fair $22.13+0.0%

SMFG

Sumitomo Mitsui Financial Group, Inc.

Financial Services / Banks - DiversifiedNYSE

$22.13

+0.16 (+0.73%)

Fairly Valued+0.0%Fair Value $22.13Fund rank 17/100 · Data gapFallback financials|
SA 35/D
F-Score: 4/9
High Debt

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 29.0/100

Data gap 17/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 0/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

35/100

D

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Debt-to-Equity ratio is 2.06, above the 2.0 threshold
Thesis & Journal · SMFGLocal privado en este navegador · Sumitomo Mitsui Financial Group, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$140.6B

P/E

14.3x

↑

EV/EBITDA

N/A

•

ROE

10.0%

↑

Gross Margin

N/A

•

Debt/Equity

2.06

↑
52-Week Range$22
$14$24

TradingView lightweight chart

SMFG price, volumen y niveles de valoración

Último $22.13Periodo -1.2%
Fair value: $22.13

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2023–2026 · 3 años de histórico normalizado

Revenue CAGR

+15.9%

FCF CAGR

—

FCF margin

-185.8%

FCF / Net income

-6.80x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $5.79T · net income $1.58T · FCF $-10.76T

2023-FY → 2026-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

27.3%+5.7% pts

FCF margin

-185.8%-19.3% pts
MetricTTM
2026
2025
2024
2023
Income Statement
Revenue$5791.56B$5791.56B$5066.27B$4433.37B$3719.46B
Net Income$1582.97B$1582.97B$1178.00B$962.95B$805.84B
EPS——180.89——
Net Margin27.3%27.3%23.3%21.7%21.7%
Balance Sheet
Debt/Equity2.062.062.212.342.32
Cash Flow
Free Cash Flow$-10760.66B$-10760.66B$4481.50B$250.98B$-6194.31B
Returns
ROE10.0%10.0%8.0%6.6%6.4%
Valuation
P/E14.2814.280.07——
P/B0.010.010.010.000.00
Growth & Yield
Revenue Growth14.3%14.3%14.3%19.2%—
Dividend Yield2.5%2.5%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +46.1%

Total return

+46.1%

Start / end P/E

n/dx → n/dx

EPS bridge

180.89 → n/d

Residual

+43.6%

EPS growthn/d
Multiple reratingn/d
Dividend+2.5%
Residual / FX / buybacks / cross-term+43.6%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.