# Sumitomo Mitsui Financial Group Inc Unsponsored American (SMFG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $27.30, market value $172.9 billion.

## Valuation
- **P/E (trailing): 16.3×** (5-yr avg 0.1×, 3-yr avg 0.1×). Sumitomo Mitsui Financial Group Inc Unsponsored American trades at 16.3× trailing earnings, well above its own five-year average of 0.1×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 66.6×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.65**. A PEG of 0.65 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.4×**. Each dollar of revenue is priced at 4.4×.
- **Price / book: 1.8×**. The shares trade at 1.8× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -40.2%**. Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 6.2%**. The inverse of the P/E: 6.2% of the price is earned each year.

## Profitability
- **Net margin: 27.3%**. 27.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.0%**. 10.0% on shareholders' equity is solid.
- **Return on assets: 0.5%**. Each dollar of assets produces 0.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 102.0%** (3-yr 3.5%/yr, 5-yr 8.1%/yr). Earnings per share rose 102.0%.

## Financial health
- **Cash and short-term investments: $476.2 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.17%** ($0.59 per share, trailing). Sumitomo Mitsui Financial Group Inc Unsponsored American yields 2.17%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 34%**. 34% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Shareholder yield: 3.1%**. Dividends plus net buybacks return 3.1% of the market value a year.

## Price and momentum
- **Total return (1 yr): 64.3%** (YTD 41.2%, 3-mo 17.9%). The shares are up 64.3% over twelve months including dividends.
- **From 52-week high: -1.2%** (79.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 66**. An RSI of 66 is neutral.
- **Beta (1 yr): 1.14** (volatility 29%). Beta of 1.14 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SMFG · Page: https://foliofundamentals.com/stocks/smfg

Not investment advice.