Sumitomo Mitsui Financial Group (SMFG19) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of Sumitomo Mitsui Financial Group THB 16.47, price THB 14.30, upside +15.2%, quality 49 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Sumitomo Mitsui Financial Group, Inc., together with its subsidiaries, provides banking, leasing, securities, consumer finance, and other services in Japan, the Americas, Europe, the Middle East, Asia, and Oceania. It operates through Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit segments.
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Sumitomo Mitsui Financial Group, Inc., together with its subsidiaries, provides banking, leasing, securities, consumer finance, and other services in Japan, the Americas, Europe, the Middle East, Asia, and Oceania. It operates through Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit segments. The Wholesale Business Unit segment offers bilateral loans, syndicated loans, commitment lines, structured finance, project finance, and nonrecourse loans; deposits and investment trusts; risk hedging services, including forward exchange contracts and derivatives; stand-by credit, and performance bond and credit guarantee services; remittance, cash management, trade finance, and supply chain finance services; merger and acquisition, and other advisory services; digital services; and equipment, operating and leveraged leasing services. The Retail Business Unit segment provides wealth management services, such as time deposits and foreign currency deposits, investment trusts, equities, bonds, insurance products, and trust services; credit card, installment, and transaction services; and consumer finance and housing loans. The Global Business Unit segment offers loans, deposits, clearing, trade finance, project finance, loan syndication, derivatives, and global cash management services; equity and fixed income sales and trading, and underwriting services; and construction machinery, transportation equipment, industrial machinery, medical equipment, and other leasing services. The Global Markets Business Unit segment provides asset liability management and portfolio management, foreign currency funding, and sales and trading services. The company offers system development, data processing, management consulting, economic research, and asset management services. Sumitomo Mitsui Financial Group, Inc. was incorporated in 2002 and is headquartered in Tokyo, Japan.
Stock analysis
Sumitomo Mitsui Financial Group (SMFG19) currently trades at 14.30 THB, while our model-based Fair Value estimate is 16.47 THB, implying the stock looks roughly 13.2% undervalued today.
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Valuation
How firm this estimate is: it rests on 10 models at a data quality of 92/100, which puts the evidence level at low.
Scenario range: 12.36 THB (bear) to 20.59 THB (bull), the price of 14.30 THB sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Sumitomo Mitsui Financial Group reported revenue of ¥5.8T in FY2026 versus ¥3.7T in FY2023, a compound +15.9%/yr. Reported net income was ¥1.6T in FY2026, compounding +25.2%/yr from FY2023.
Key figures
Market cap 92.1B THB (≈ $2.7B) · P/E ratio 0.3 · P/S ratio 0.08 · EPS (TTM) 50.67 THB · Net margin 27.3% · Return on equity 8.6% · Return on assets 0.4% · Operating margin 40.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 73% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at 15%, SMFG19 screens cheaper than that median.
Fair Value models
Bear 12.36 THBFair Value 16.47 THBBull 20.59 THB
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (25.82 THB per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+14.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.9%
’23
’24
’25
’26
What shareholders gained per year (last 3 years), in JPY (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+26.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+26.0%
Dividend (yield on the price)0.0%
2026 sits 70% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
Compare Sumitomo Mitsui Financial Group with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Diversified · 43 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)8.6% · Bottom 25%
Return on assets0.4% · Bottom 25%
Net margin (TTM)27.8% · Below median
Operating margin (TTM)40.9% · Below median
Growth and dividend
Revenue growth24.8% · Top 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity1.62× · Above median
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Sumitomo Mitsui Financial Group Fair Value". https://www.fairvalue-calculator.com/stock/SMFG19
Frequently asked questions
Is Sumitomo Mitsui Financial Group (SMFG19) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 16.47 THB versus a price of 14.30 THB, about +15% upside (undervalued).
What is the fair value of SMFG19?
Our model-based fair value for Sumitomo Mitsui Financial Group is 16.47 THB (as of Sep 24, 2026), built from audited fundamentals. The current price: 14.30 THB.
What is the quality score of SMFG19?
Sumitomo Mitsui Financial Group has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sumitomo Mitsui Financial Group (SMFG19)?
Our model-based price target is the fair value of 16.47 THB (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 12.36 THB, optimistic scenario 20.59 THB. It is a calculation from audited fundamentals, not an analyst target.
What is the Sumitomo Mitsui Financial Group stock forecast for 2026?
Our models put fair value at 16.47 THB, about +15% upside versus a price of 14.30 THB (undervalued). Cautious scenario 12.36 THB, optimistic scenario 20.59 THB. The calculation is refreshed regularly with new filings.
What is the revenue of Sumitomo Mitsui Financial Group (SMFG19)?
Sumitomo Mitsui Financial Group reported trailing-twelve-month revenue of about ¥4.7T (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Sumitomo Mitsui Financial Group (SMFG19)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sumitomo Mitsui Financial Group it is 16.47 THB per share (as of Sep 24, 2026), against a price of 14.30 THB. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Sumitomo Mitsui Financial Group stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SMFG19 trades below its calculated fair value: price 14.30 THB, fair value 16.47 THB, a gap of about +15% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SMFG19?
No. The price is what the market pays today (14.30 THB); the fair value is what the company's own numbers justify (16.47 THB). For Sumitomo Mitsui Financial Group the two are 2.17 THB per share apart. That gap is exactly why we show both numbers side by side.
How much is Sumitomo Mitsui Financial Group worth?
The market values Sumitomo Mitsui Financial Group at about 92.1B THB (market capitalisation, as of Sep 24, 2026). Per share that is 14.30 THB; our models calculate a fair value of 16.47 THB per share.
What do the bullish and bearish scenarios say about SMFG19?
Our models span a range for Sumitomo Mitsui Financial Group: cautious scenario 12.36 THB, base 16.47 THB, optimistic 20.59 THB per share (as of Sep 24, 2026, price 14.30 THB). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SMFG19?
Sumitomo Mitsui Financial Group trades at a price-to-earnings ratio of 0.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 16.47 THB is built from several models across several years. Other multiples: PEG 0.0, P/S 0.1.
What is the PEG ratio of SMFG19?
The PEG ratio of Sumitomo Mitsui Financial Group is 0.04 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Sumitomo Mitsui Financial Group (SMFG19)?
Balance-sheet figures for Sumitomo Mitsui Financial Group (as of Sep 24, 2026): return on equity 8.6%, debt of 1.62 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is SMFG19 from its 52-week high?
Sumitomo Mitsui Financial Group trades at 14.30 THB, about 6% below its 52-week high of 15.20 THB and 73% above the low of 8.25 THB (as of Sep 29, 2026). Distance from the high says nothing about value: that is what the fair value of 16.47 THB is for.
Which stocks are comparable to Sumitomo Mitsui Financial Group?
From the same area (Financial Services) we also value JPMorgan Chase & Co, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, Bank of America Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sumitomo Mitsui Financial Group stock attractive at the current price?
The data as of Sep 24, 2026: price 14.30 THB, calculated fair value 16.47 THB (+15%), Quality Score 49/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SMFG19 calculated?
We run Sumitomo Mitsui Financial Group through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 16.47 THB, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Sumitomo Mitsui Financial Group currently trades 13 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sumitomo Mitsui Financial Group (SMFG19)?
The closing price on Sep 29, 2026 was 14.30 THB. Our model-based fair value is 16.47 THB, about +15% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sumitomo Mitsui Financial Group right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Sumitomo Mitsui Financial Group
How large is the market capitalisation of Sumitomo Mitsui Financial Group (SMFG19)?
The market capitalisation of Sumitomo Mitsui Financial Group is 92.1B THB (≈ $2.7B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sumitomo Mitsui Financial Group (SMFG19)?
The price-to-sales ratio of Sumitomo Mitsui Financial Group is 0.08 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sumitomo Mitsui Financial Group (SMFG19)?
Earnings per share at Sumitomo Mitsui Financial Group are 50.67 THB (price ÷ EPS = P/E 0.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Sumitomo Mitsui Financial Group (SMFG19)?
The net margin of Sumitomo Mitsui Financial Group is 27.3% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sumitomo Mitsui Financial Group (SMFG19)?
The return on equity (ROE) of Sumitomo Mitsui Financial Group is 8.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Sumitomo Mitsui Financial Group (SMFG19)?
The return on assets (ROA) of Sumitomo Mitsui Financial Group is 0.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Sumitomo Mitsui Financial Group (SMFG19)?
The operating margin of Sumitomo Mitsui Financial Group is 40.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sumitomo Mitsui Financial Group (SMFG19)?
Revenue at Sumitomo Mitsui Financial Group is growing +24.8% versus a year earlier (3y avg +15.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sumitomo Mitsui Financial Group (SMFG19)?
Earnings per share at Sumitomo Mitsui Financial Group are growing +35.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sumitomo Mitsui Financial Group (SMFG19) generate?
The free cash flow of Sumitomo Mitsui Financial Group is −¥10.8T (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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