Sumitomo Mitsui Financial Group, Inc.

OTCPK:SMFN.F Stock Report

Market Cap: US$92.0b

Sumitomo Mitsui Financial Group Valuation

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

Valuation Score

4/6

Valuation Score 4/6

  • 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 SMFN.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: SMFN.F ($22.96) is trading below our estimate of fair value ($28.33)

Significantly Below Fair Value: SMFN.F is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SMFN.F?

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

The above table shows the Price to Earnings ratio for SMFN.F. This is calculated by dividing SMFN.F's market cap by their current earnings.
What is SMFN.F's PE Ratio?
PE Ratio13.1x
EarningsJP¥1.07t
Market CapJP¥14.09t

Price to Earnings Ratio vs Peers

How does SMFN.F's PE Ratio compare to its peers?

The above table shows the PE ratio for SMFN.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average17.4x
USB U.S. Bancorp
16.4x11.3%US$83.7b
PNC PNC Financial Services Group
18x12.9%US$84.3b
C Citigroup
19.9x30.4%US$135.0b
WFC Wells Fargo
15.2x3.7%US$256.0b
SMFN.F Sumitomo Mitsui Financial Group
13.1x8.4%US$14.1t

Price-To-Earnings vs Peers: SMFN.F is good value based on its Price-To-Earnings Ratio (13.1x) compared to the peer average (17.4x).

Price to Earnings Ratio vs Industry

How does SMFN.F's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
SMFN.F 13.1xIndustry Avg. 13.3xNo. of Companies94PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SMFN.F is good value based on its Price-To-Earnings Ratio (13.1x) compared to the US Banks industry average (13.3x).

Price to Earnings Ratio vs Fair Ratio

What is SMFN.F'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.

SMFN.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13.1x
Fair PE Ratio18.6x

Price-To-Earnings vs Fair Ratio: SMFN.F is good value based on its Price-To-Earnings Ratio (13.1x) compared to the estimated Fair Price-To-Earnings Ratio (18.6x).

Analyst Price Targets

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

The above table shows the analyst SMFN.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$22.96
US$24.91
+8.5%
19.9%US$30.17US$11.42n/a12
Nov ’25US$21.90
US$25.04
+14.3%
20.0%US$30.51US$11.55n/a12
Oct ’25US$20.20
US$26.65
+31.9%
20.0%US$32.47US$12.29n/a12
Sep ’25US$20.53
US$26.78
+30.4%
20.9%US$32.20US$12.19n/a11
Aug ’25US$24.21
US$25.27
+4.4%
20.8%US$30.30US$11.47n/a11
Jul ’25US$21.94
US$21.98
+0.2%
22.9%US$29.24US$11.07n/a12
Jun ’25US$22.10
US$20.20
-8.6%
17.8%US$24.43US$11.26n/a12
May ’25US$18.67
US$19.66
+5.3%
18.2%US$24.86US$11.46n/a12
Apr ’25US$18.68
US$19.69
+5.4%
16.8%US$24.21US$11.67n/a12
Mar ’25US$19.25
US$18.74
-2.6%
14.0%US$22.15US$11.74n/a13
Feb ’25US$17.19
US$18.93
+10.1%
14.0%US$22.78US$12.07n/a13
Jan ’25US$15.78
US$19.39
+22.9%
13.9%US$23.44US$12.42n/a13
Dec ’24US$16.20
US$18.49
+14.1%
12.8%US$22.70US$12.03n/a14
Nov ’24US$16.08
US$17.70
+10.1%
12.6%US$22.25US$11.79US$21.9014
Oct ’24US$16.88
US$16.51
-2.2%
14.3%US$19.87US$10.84US$20.2014
Sep ’24US$14.95
US$16.47
+10.2%
13.4%US$20.17US$11.00US$20.5315
Aug ’24US$15.32
US$15.86
+3.6%
14.5%US$20.62US$11.25US$24.2115
Jul ’24US$14.41
US$15.00
+4.1%
12.8%US$18.34US$11.13US$21.9414
Jun ’24US$13.43
US$15.20
+13.2%
13.1%US$18.87US$11.45US$22.1013
May ’24US$14.05
US$15.59
+11.0%
12.4%US$18.65US$11.97US$18.6714
Apr ’24US$13.17
US$15.42
+17.0%
13.1%US$18.78US$12.05US$18.6814
Mar ’24US$14.41
US$15.16
+5.2%
12.7%US$18.30US$11.74US$19.2514
Feb ’24US$14.67
US$15.28
+4.2%
12.5%US$19.42US$12.26US$17.1913
Jan ’24US$13.06
US$14.40
+10.2%
13.6%US$19.06US$12.04US$15.7813
Dec ’23US$11.04
US$13.50
+22.3%
16.3%US$18.72US$10.35US$16.2012
Nov ’23US$9.38
US$12.06
+28.6%
16.0%US$16.68US$9.42US$16.0812

Analyst Forecast: Target price is less than 20% higher than the current share price.

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