Sumitomo Mitsui Financial Group, Inc.

DB:XMFA Stock Report

Market Cap: €88.9b

Sumitomo Mitsui Financial Group Valuation

Is XMFA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of XMFA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: XMFA (€13.8) is trading below our estimate of fair value (€21.65)

Significantly Below Fair Value: XMFA is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for XMFA?

Key metric: As XMFA is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for XMFA. This is calculated by dividing XMFA's market cap by their current earnings.
What is XMFA's PE Ratio?
PE Ratio13.4x
EarningsJP¥1.07t
Market CapJP¥14.34t

Price to Earnings Ratio vs Peers

How does XMFA's PE Ratio compare to its peers?

The above table shows the PE ratio for XMFA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10.4x
CBK Commerzbank
8.5x8.8%€18.2b
PCZ ProCredit Holding
4.2x9.9%€450.0m
D05 DBS Group Holdings
11.1x1.3%S$120.4b
TD Toronto-Dominion Bank
17.8x17.2%CA$136.5b
XMFA Sumitomo Mitsui Financial Group
13.4x8.4%€14.3t

Price-To-Earnings vs Peers: XMFA is expensive based on its Price-To-Earnings Ratio (13.4x) compared to the peer average (10.4x).

Price to Earnings Ratio vs Industry

How does XMFA's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
XMFA 13.4xIndustry Avg. 7.4xNo. of Companies46PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: XMFA is expensive based on its Price-To-Earnings Ratio (13.4x) compared to the European Banks industry average (7.4x).

Price to Earnings Ratio vs Fair Ratio

What is XMFA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

XMFA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13.4x
Fair PE Ratio13x

Price-To-Earnings vs Fair Ratio: XMFA is expensive based on its Price-To-Earnings Ratio (13.4x) compared to the estimated Fair Price-To-Earnings Ratio (13x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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