Provide commercial banking services, including loans, deposits, and settlement services to corporate clients. Now — the numbers.
This is an established company with proven profits.
Average growth of 30% a year over the last 4 years. Every year shown ended in profit.
The market pays 9.7× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 65% of them.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
There is growth, but not at top-of-the-class tempo.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 16% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 30% a year on average.
Over the last 12 months, company executives reported 41 buys and 18 sells. Management buying with its own money is usually read as a good sign.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, SMFG sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: SMFG is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.