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Stock Ratings / Financials / SMFG
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Sumitomo Mitsui Financial Group Inc Unsponsored American (SMFG) — RQD Stock Rating Cockpit

$24.01 -0.78% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.93

Sumitomo Mitsui Financial Group Inc Unsponsored American (SMFG) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $154.44B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SMFG Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SMFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Sumitomo Mitsui Financial Group Inc Unsponsored American (NYSE: SMFG) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $24.01 (-0.78% 1D, market cap $154.44B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, SMFG ranks #473 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SMFG compare to SAN and BBVA in the Financials sector?
▼

Within the Financials sector (Commercial Banks), SMFG carries a Roarable D+ (57/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, SAN (Banco Santander S.A. Sponsored ADR (Spain)) holds a D grade (49/100 RQD, P/E 32.8x, ROIC 9.9%, cap $161.97B) and BBVA (Banco Bilbao Vizcaya Argentaria S.A.) posts a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $132.88B). Among the 5-stock peer group, SMFG leads on earnings multiple (32.8x) while SMFG leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SMFG?
▼

For Sumitomo Mitsui Financial Group Inc Unsponsored American (SMFG), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #473 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $23.93 (-0.33%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 15.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510057
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C
Cash (12)Whales (8)SEC (15)Macro (10)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-0.5% Base Target
$29 Bull$24 Base$19 Bear
📬 FREE SMFG RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SMFG)Realized 20D OHLCV Swing Band: ±3.2%
Deterministic 5-Pillar Attribution (57/100 Composite)
🔍 WHY SMFG SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (21% of score)

SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($3.41B FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
65
Grade C+$24.75-0.9% Next Q
Q2 (-2Q)
62
Grade C+$24.52-1.5% Next Q
Q3 (-1Q)
60
Grade C$24.14-0.5% Next Q
Current
57
Grade D+$24.01-0.2% Hist 90D α
Trajectory: C+ (65) → D+ (57)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SMFG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (D+) score, SMFG faces multiple-compression risk if 32.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($25.55) or 200D SMA ($23.44) invalidates the momentum regime and cuts Target Base ($23.90) toward Bear Floor ($18.64).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SMFG• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “SMFG Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 57%NO 43%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
42.730 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE69% OF RANGE
L: $16$24.01H: $28
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 20 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on SMFG

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

9.9% ROIC with 42.0% gross margin and 2.21% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (50)

20/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like SMFG
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SMFG)

  • ✓Walkthrough of SMFG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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SMFG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.39%🛡️ HOLDING TREND SUPPORT
2026-11-03O $24.66H $24.66L $24.01C $24.01VOL 1.56M
RES: $28.72SUP: $23.45SMA50: $25.55SMA200: $23.44
$28.25$25.63$23.01$20.40$17.78RES $28.72SUP $23.45$24.012026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SMFG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SMFG Butterfly Map → + Track SMFG →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
25.3%/yr Implied 5Y Growth

vs. -2.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SMFG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SMFG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for SMFG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SMFG)

Financials Rank #473 of 1097 ⚔️ SAN vs SMFG Full Matrix →

1. Head-to-Head Financials Peer Comparison (SMFG vs. SAN, BBVA, BMO, TD)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Sumitomo Mitsui Financial Group Inc Unsponsored American (SMFG) ranks #473 by composite RQD confidence (57/100, grade D+) and #18 by equity capitalization ($154.44B). Within this direct 5-issuer industry benchmark cohort, SMFG leads on earnings valuation at 32.8x trailing P/E, while SMFG leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. TD currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with SMFG at 57/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SMFG ACTIVE
Sumitomo Mitsui Financial Group Inc Unsponsored American
D+ 57/100 32.8x — 9.9% -0.78% $154.44B Benchmark Subject
SAN
Banco Santander S.A. Sponsored ADR (Spain)
D 49/100 32.8x — 9.9% +2.41% $161.97B /san-vs-smfg →
BBVA
Banco Bilbao Vizcaya Argentaria S.A.
D 50/100 32.8x — 9.9% +2.13% $132.88B /bbva-vs-smfg →
BMO
Bank Of Montreal
C 62/100 32.8x — 9.9% +1.14% $118.95B /bmo-vs-smfg →
TD
Toronto Dominion Bank
C+ 66/100 32.8x — 9.9% +0.43% $203.32B /td-vs-smfg →

2. SMFG Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Sumitomo Mitsui Financial Group Inc Unsponsored American (SMFG) operates in Commercial Banks (Financials) with an equity capitalization of $154.44B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.

3. SMFG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SMFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Sumitomo Mitsui Financial Group Inc Unsponsored American (NYSE: SMFG) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $24.01 (-0.78% 1D, market cap $154.44B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, SMFG ranks #473 in composite RQD confidence.

How does SMFG compare to SAN and BBVA in the Financials sector?

Within the Financials sector (Commercial Banks), SMFG carries a Roarable D+ (57/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, SAN (Banco Santander S.A. Sponsored ADR (Spain)) holds a D grade (49/100 RQD, P/E 32.8x, ROIC 9.9%, cap $161.97B) and BBVA (Banco Bilbao Vizcaya Argentaria S.A.) posts a D grade (50/100 RQD, P/E 32.8x, ROIC 9.9%, cap $132.88B). Among the 5-stock peer group, SMFG leads on earnings multiple (32.8x) while SMFG leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SMFG?

For Sumitomo Mitsui Financial Group Inc Unsponsored American (SMFG), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs and sector rank #473 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SMFG trading relative to its 50-day, 200-day, and 52-week technical levels?

SMFG last traded at $24.01 (-0.78% on volume of 1,310,063 shares), positioning the stock -6.03% below its 50-day simple moving average ($25.55) and +2.43% above its 200-day simple moving average ($23.44). Across its 52-week range of $15.94 to $27.62, SMFG sits at the 69.1% percentile with a 14-day RSI of 42.7 (NEUTRAL RANGE) and an implied next-earnings move of ±3.2% ($23.24 to $24.78).

Direct Sub-Reports: SMFG RQD Cockpit SMFG 12M Forecast SMFG Earnings & Move SMFG Dividends & DRIP SMFG Insiders & 13F SMFG Whale Options SMFG Profit Sankey SMFG News & Why
ROARABLE RATING BRIEF • RQD 57/100 (D+) ✓ SEC XBRL & RQD VERIFIED

SMFG — Sumitomo Mitsui Financial Group Inc Unsponsored American: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Sumitomo Mitsui Financial Group Inc Unsponsored American (SMFG) earns a live Roarable RQD composite score of 57/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $24.01 (-0.78% 1D, market capitalization $154.44B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 9.9%, gross margin of —, operating margin of 13.9%, and free cash flow yield of 2.21%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (15/20): Incorporates a 0.97x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

SMFG is listed on the NYSE in the Financials sector and the Commercial Banks industry,. Its market capitalization is $157.4B.. — for product lines, customer segments, or revenue model.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 57/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 2.21% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $15.94 – $27.62 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 32.8x trailing P/E and 21.0x EV/EBITDA against 13.9% operating margins and a 0.97x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies are mapped (supply chain: "NONE"). Sector and industry classification are available (Financials / Commercial Banks), but no sector correlation or bottleneck data is provided. — for specific 2nd-order ripples.

  • Key Question #1: Can SMFG sustain or expand its 13.9% operating margin and 9.9% ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (2.21% FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $27.62 52-week high?
  • Key Question #3: How sensitive is SMFG's 30.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.97x)?

SMFG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Sumitomo Mitsui Financial Group Inc Unsponsored American (SMFG) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SMFG Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SMFG Bull vs. Bear Conversation Board — What's Your Call at $24.01?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SMFG 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SMFG:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $31.94 (+32.0%)
📌 Pinned Debate

A 15/20 forensic balance sheet (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) provides the strongest support in the rating.

Long SMFG at $24.20 targeting $31.94. A 15/20 forensic balance sheet (Altman Z 2.5, Piotroski F 7/9, Debt/Equity 0.5) provides the strongest support in the rating.. Institutional whale score is 8/20 and the risk/reward vs. the $15.94 52-week low is skewed heavily in favor of bulls.

ArenaChamp_24 🐂 BULL

@DeltaGamma_99 Agree on the RQD 57/100 quality, though with 0.97 beta I'm scaling in with half-size at $24.20 and keeping dry powder in case we test $22.51.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $20.33 (-16.0%)
Spot @ $24.20

A trailing P/E of 32.8 against a 2.21% FCF yield leaves the valuation rich relative to the cash the business generates.

I respect the product at Sumitomo Mitsui Financial Group Inc Unsponsored American, but the stock at $24.20 is a different story. A trailing P/E of 32.8 against a 2.21% FCF yield leaves the valuation rich relative to the cash the business generates.. FCF yield is 2.21% and RQD sits at 57/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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