SMFG
Valuation Ratios
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Price to Earnings | 0.09 | 0.08 | 0.07 | 0.06 |
| Price to Sales | 0.02 | 0.02 | 0.01 | 0.01 |
| Book Value Per Common Share | 3795.81 | 3719.35 | 3143.79 | 2942.20 |
| Price to Book | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Operating Cash Flow | 0.02 | 0.12 | -0.01 | 0.03 |
| Price to Free Cash Flow | 0.02 | 0.31 | -0.01 | 0.03 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | 0.26 | ||||
| Price to Sales | 0.04 | 0.08 | 0.05 | 0.05 | 0.03 |
| Book Value Per Common Share | 3942.69 | 3753.06 | 3795.81 | 3893.23 | 3770.20 |
| Price to Book | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Operating Cash Flow | |||||
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Earning YoY | 24.86 | 22.71 | 14.54 | |
| Revenue YoY | 14.28 | 19.19 | 8.66 | |
| EBITDA YoY | ||||
| Net Profit YoY | 22.33 | 19.50 | 14.04 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Earning YoY | |||||
| Revenue YoY | 22.98 | -1.83 | 4.92 | -17.15 | |
| EBITDA YoY | |||||
| Net Profit YoY | 47.68 | 796.84 | -89.77 | 16.10 |
Financial Strength
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 19.64 | 18.95 | 20.14 | 20.13 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | |||||
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 18.99 | 19.46 | 19.64 | 19.34 | 18.47 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| ROA | 0.38 | 0.33 | 0.30 | 0.27 |
| ROE | 7.94 | 6.51 | 6.30 | 5.79 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 23.25 | 21.72 | 21.67 | 20.64 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| ROA | 0.18 | 0.13 | 0.01 | 0.13 | 0.12 |
| ROE | 3.64 | 2.58 | 0.28 | 2.69 | 2.38 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 36.86 | 30.70 | 3.36 | 34.46 | 24.59 |
Dividends
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Dividend Yield | 0.07 | 0.08 | 0.09 | 0.11 |
| Dividend Payout Ratio | 34.98 | 36.14 | 37.43 | 38.78 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Dividend Yield | |||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Assets | 306,282,015,000.00 | 295,236,701,000.00 | 270,428,564,000.00 | 257,704,625,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 75,590,583,000.00 | 78,143,100,000.00 | 75,913,960,000.00 | 74,792,123,000.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 |
| Net Receivables | 231,199,000.00 | 207,645,000.00 | 226,302,000.00 | 228,608,000.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 1,006,556,000.00 | 1,006,883,000.00 | 1,494,527,000.00 | 1,457,254,000.00 |
| Goodwill | 230,070,000.00 | 268,833,000.00 | 277,311,000.00 | 320,640,000.00 |
| Intangible Assets | 787,252,000.00 | 707,873,000.00 | 620,537,000.00 | 578,177,000.00 |
| Long-Term Investments | 52,520,619,000.00 | 49,732,193,000.00 | 43,267,625,000.00 | 47,631,032,000.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 291,440,508,000.00 | 280,436,737,000.00 | 257,637,460,000.00 | 245,507,296,000.00 |
| Payables and Expenses | 1,041,660,000.00 | 1,246,198,000.00 | 2,413,464,000.00 | 2,443,873,000.00 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 7,064,759,000.00 | 5,567,228,000.00 | 4,919,011,000.00 | 2,996,365,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 25,435,801,000.00 | 28,688,540,000.00 | 24,463,833,000.00 | 29,128,097,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 14,841,507,000.00 | 14,799,964,000.00 | 12,791,104,000.00 | 12,197,329,000.00 |
| Shareholders Equity | 14,704,201,000.00 | 14,661,039,000.00 | 12,681,609,000.00 | 12,099,688,000.00 |
| Capital Stock | 2,345,960,000.00 | 2,344,038,000.00 | 2,342,537,000.00 | 2,341,878,000.00 |
| Share Premium | 611,423,000.00 | 610,143,000.00 | 694,052,000.00 | 693,664,000.00 |
| Retained Earnings | 8,290,170,000.00 | 7,843,470,000.00 | 7,423,600,000.00 | 6,916,468,000.00 |
| Treasury Shares | 38,512,000.00 | 167,671,000.00 | 151,798,000.00 | 13,402,000.00 |
| Accumulated Other Comprehensive Income | 3,494,393,000.00 | 4,030,128,000.00 | 2,372,073,000.00 | 2,159,605,000.00 |
| Minority Interest | 137,306,000.00 | 138,925,000.00 | 109,495,000.00 | 97,641,000.00 |
| Debt | 32,500,560,000.00 | 34,255,768,000.00 | 29,382,844,000.00 | 32,124,462,000.00 |
| Common Shares Outstanding | 3,873,793.61 | 3,941,823.65 | 4,033,861.63 | 4,112,459.34 |
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Revenues | 5,066,265,000.00 | 4,433,371,000.00 | 3,719,458,000.00 | 3,423,103,000.00 |
| Selling, General and Administrative Expenses | 2,401,955,000.00 | 2,281,508,000.00 | 1,785,029,000.00 | 1,651,595,000.00 |
| Interest Income | 6,928,577,000.00 | 6,213,520,000.00 | 3,779,715,000.00 | 1,907,991,000.00 |
| Interest Expense | 4,590,358,000.00 | 4,332,866,000.00 | 2,061,922,000.00 | 380,007,000.00 |
| EBT | 1,699,943,000.00 | 1,342,349,000.00 | 1,098,472,000.00 | 929,588,000.00 |
| Income Tax | 513,065,000.00 | 373,662,000.00 | 282,148,000.00 | 214,535,000.00 |
| Net Income Including Non-Controlling Interests | 1,186,877,000.00 | 968,687,000.00 | 816,324,000.00 | 715,052,000.00 |
| Net Income Non-Controlling Interests | -8,881,000.00 | -5,740,000.00 | -10,481,000.00 | -8,421,000.00 |
| Net Income | 1,177,996,000.00 | 962,946,000.00 | 805,842,000.00 | 706,631,000.00 |
| Deprecation and Amortization | 280,780,000.00 | 293,069,000.00 | 267,928,000.00 | 241,916,000.00 |
| EPS | 0.18 | 0.14 | 0.12 | 0.10 |
| Diluted EPS | 0.18 | 0.14 | 0.12 | 0.10 |
| Average Shares Outstanding Basic | 6,510,760.00 | 6,645,128.33 | 6,823,850.00 | 6,853,685.00 |
| Average Shares Outstanding Diluted | 6,512,323.33 | 6,647,060.00 | 6,826,165.00 | 6,856,490.00 |
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Operating Cash Flow | 4,848,464,000.00 | 642,862,000.00 | -5,895,185,000.00 | 1,545,423,000.00 |
| Operating Net Income | 1,699,943,000.00 | 1,342,349,000.00 | 1,098,472,000.00 | 929,588,000.00 |
| Deprecation and Amortization | 280,780,000.00 | 293,069,000.00 | 267,928,000.00 | 241,916,000.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 0 |
| Change in Working Capital | 3,280,243,000.00 | -725,107,000.00 | -6,147,605,000.00 | 1,674,926,000.00 |
| Other Operating Activities | -412,502,000.00 | -267,449,000.00 | -1,113,980,000.00 | -1,301,007,000.00 |
| Investing Cash Flow | -4,512,943,000.00 | -918,904,000.00 | 5,931,059,000.00 | -2,406,810,000.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -103,925,000.00 | -139,301,000.00 | -91,157,000.00 | -91,412,000.00 |
| Net Purchase/Sale of Investments Net | -4,145,329,000.00 | -571,072,000.00 | 6,234,432,000.00 | -1,892,480,000.00 |
| Net Purchase/Sale of Business | 957,000.00 | 52,258,000.00 | 0 | -227,321,000.00 |
| Other Investing Activities | -264,646,000.00 | -260,789,000.00 | -212,216,000.00 | -195,597,000.00 |
| Financing Cash Flow | -480,149,000.00 | 280,693,000.00 | -357,778,000.00 | -485,338,000.00 |
| Net Issuance/Repayment of Debt | 189,375,000.00 | 951,660,000.00 | 84,000,000.00 | -211,017,000.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 |
| Dividends Paid | -412,120,000.00 | -348,010,000.00 | -301,600,000.00 | -274,058,000.00 |
| Other Financing Activities | 0 | 0 | 0 | 0 |
| Net Change in Cash | -144,628,000.00 | 4,651,000.00 | -321,904,000.00 | -1,346,725,000.00 |
| Cash at Beginning of Period | 66,380,330,000.00 | 65,864,248,000.00 | 65,832,072,000.00 | 66,811,212,000.00 |
| Cash at End of Period | 66,187,674,000.00 | 66,380,330,000.00 | 65,864,248,000.00 | 65,832,072,000.00 |
| Free Cash Flow | 4,481,499,000.00 | 250,981,000.00 | -6,194,314,000.00 | 1,257,235,000.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Assets | 305,905,915,000.00 | 298,919,970,000.00 | 306,282,015,000.00 | 310,852,859,000.00 | 290,022,585,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 72,597,960,000.00 | 72,273,625,000.00 | 75,590,583,000.00 | 74,543,668,000.00 | 73,612,647,000.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 220,839,000.00 | 228,254,000.00 | 231,199,000.00 | 233,513,000.00 | 250,180,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 1,019,848,000.00 | 1,010,342,000.00 | 1,006,556,000.00 | 1,003,124,000.00 | 996,006,000.00 |
| Goodwill | 0 | 0 | 230,070,000.00 | 0 | 0 |
| Intangible Assets | 0 | 0 | 787,252,000.00 | 0 | 0 |
| Long-Term Investments | 57,560,105,000.00 | 55,867,003,000.00 | 52,520,619,000.00 | 59,114,276,000.00 | 54,994,531,000.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 290,601,659,000.00 | 284,312,029,000.00 | 291,440,508,000.00 | 295,571,087,000.00 | 275,129,845,000.00 |
| Payables and Expenses | 1,163,687,000.00 | 989,598,000.00 | 1,041,660,000.00 | 1,192,505,000.00 | 1,095,100,000.00 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 7,009,856,000.00 | 6,285,749,000.00 | 7,064,759,000.00 | 5,850,240,000.00 | 6,203,237,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 24,722,509,000.00 | 25,252,559,000.00 | 25,435,801,000.00 | 29,283,645,000.00 | 28,411,877,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 15,304,256,000.00 | 14,607,941,000.00 | 14,841,507,000.00 | 15,281,772,000.00 | 14,892,740,000.00 |
| Shareholders Equity | 15,166,407,000.00 | 14,472,579,000.00 | 14,704,201,000.00 | 15,135,617,000.00 | 14,756,030,000.00 |
| Capital Stock | 2,346,888,000.00 | 2,345,960,000.00 | 2,345,960,000.00 | 2,345,960,000.00 | 2,345,960,000.00 |
| Share Premium | 612,350,000.00 | 611,422,000.00 | 611,423,000.00 | 611,610,000.00 | 611,833,000.00 |
| Retained Earnings | 8,660,587,000.00 | 8,198,084,000.00 | 8,290,170,000.00 | 8,392,749,000.00 | 8,216,457,000.00 |
| Treasury Shares | 38,638,000.00 | 102,148,000.00 | 38,512,000.00 | 131,151,000.00 | 34,101,000.00 |
| Accumulated Other Comprehensive Income | 3,584,575,000.00 | 3,418,616,000.00 | 3,494,393,000.00 | 3,915,662,000.00 | 3,615,091,000.00 |
| Minority Interest | 137,849,000.00 | 135,362,000.00 | 137,306,000.00 | 146,155,000.00 | 136,710,000.00 |
| Debt | 31,732,365,000.00 | 31,538,308,000.00 | 32,500,560,000.00 | 35,133,885,000.00 | 34,615,114,000.00 |
| Common Shares Outstanding | 3,846,718.01 | 3,856,212.16 | 3,873,793.61 | 3,887,680.99 | 3,913,859.21 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Revenues | 1,509,972,000.00 | 1,227,814,000.00 | 1,250,721,000.00 | 1,192,099,000.00 | 1,438,829,000.00 | 0 |
| Interest Income | 1,806,255,000.00 | 1,712,446,000.00 | 1,713,911,000.00 | 1,763,928,000.00 | 1,700,150,000.00 | 0 |
| Interest Expense | 1,149,602,000.00 | 1,086,162,000.00 | 1,055,267,000.00 | 1,210,751,000.00 | 1,097,966,000.00 | 0 |
| Non-Interest Expense | 722,529,000.00 | 725,027,000.00 | 888,570,000.00 | 554,158,000.00 | 888,872,000.00 | 0 |
| Selling, General and Administrative Expenses | 629,113,000.00 | 599,674,000.00 | 628,977,000.00 | 600,231,000.00 | 580,340,000.00 | 0 |
| EBT | 793,900,000.00 | 481,574,000.00 | 87,495,000.00 | 585,048,000.00 | 509,222,000.00 | 0 |
| Income Tax | 235,169,000.00 | 102,242,000.00 | 43,042,000.00 | 172,451,000.00 | 152,776,000.00 | 0 |
| Net Income Including Non-Controlling Interests | 558,731,000.00 | 379,331,000.00 | 44,453,000.00 | 412,597,000.00 | 356,445,000.00 | 0 |
| Net Income Non-Controlling Interests | -2,124,000.00 | -2,433,000.00 | -2,429,000.00 | -1,797,000.00 | -2,629,000.00 | 0 |
| Net Income | 556,607,000.00 | 376,898,000.00 | 42,025,000.00 | 410,799,000.00 | 353,817,000.00 | 0 |
| EPS | 0 | 0.06 | 0 | 0 | 0 | 0.06 |
| Diluted EPS | 0 | 0.06 | 0 | 0 | 0 | 0.06 |
| Average Shares Outstanding Basic | 0 | 6,445,189.73 | 0 | 0 | 0 | 6,558,891.58 |
| Average Shares Outstanding Diluted | 0 | 6,446,668.04 | 0 | 0 | 0 | 6,560,578.76 |
| Breakdown |
|---|
| Operating Cash Flow |
| Operating Net Income |
| Deprecation and Amortization |
| Deferred Income Tax |
| Share Based Compensation |
| Change in Working Capital |
| Other Operating Activities |
| Investing Cash Flow |
| Capital Expenditure |
| Net Purchase/Sale of PPE |
| Net Purchase/Sale of Investments Net |
| Net Purchase/Sale of Business |
| Other Investing Activities |
| Financing Cash Flow |
| Net Issuance/Repayment of Debt |
| Net Issuance/Repurchase of Equity |
| Dividends Paid |
| Other Financing Activities |
| Net Change in Cash |
| Cash at Beginning of Period |
| Cash at End of Period |
| Free Cash Flow |