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SAN vs SMFG
Which Stock Would AI Choose? Banco Santander (SAN) vs. Sumitomo Mitsui Financial Group (SMFG) Stock Comparison
Key Takeaways
- SAN trades at a lower trailing P/E ratio of around 11.8 compared to SMFG's 14.7, suggesting better relative valuation.
- Both stocks offer attractive dividend yields near 2.3-2.6%, with SAN at 2.27% and SMFG forward at 2.60%.
- SAN has shown stronger one-year performance at approximately 65-69% gains versus SMFG's 49-51%.
- Recent market activity reflects resilience for both, with SAN buoyed by record Q1 profits and U.S. expansion, while SMFG benefits from Japanese banking sector tailwinds.
- Market caps stand at roughly $177B for SAN and $135B for SMFG, highlighting their large-cap status in global banking.
- Tickeron's AI robots trading financial stocks show win rates up to 88%, underscoring potential in the sector.
Introduction
Banco Santander (SAN) and Sumitomo Mitsui Financial Group (SMFG) represent prominent players in the global banking landscape, with SAN focusing on Europe and Latin America and SMFG anchored in Japan with international reach. This stock comparison evaluates their recent performance, valuation, and market positioning amid fluctuating interest rates and economic shifts. Traders seeking dividend income or momentum in financials, and investors eyeing relative value in large-cap banks, will find insights into contrasts in growth drivers, risk profiles, and sentiment. Both exhibit resilience in recent market activity, offering a balanced view for portfolio diversification.
SAN Overview and Recent Performance
Banco Santander, S.A. (SAN), a leading Spanish multinational bank, provides retail, commercial, and investment banking services across Europe, Latin America, and North America. In recent weeks, SAN shares have traded around $12.28, near the upper end of their 52-week range of $7.28-$13.24, reflecting a year-to-date gain of about 5% and a one-year return exceeding 65%. Key influences include record Q1 2026 underlying profit of €3.6 billion (up 12% YoY), an improved efficiency ratio of 42.8%, and a CET1 (Common Equity Tier 1, a key measure of core capital strength) ratio of 14.4%. Strategic U.S. expansion via the Webster Financial acquisition and share buybacks have bolstered sentiment, despite temporary pauses for deal funding. Trading volume has risen with these catalysts, supporting relative outperformance versus broader indices.
SMFG Overview and Recent Performance
Sumitomo Mitsui Financial Group, Inc. (SMFG), Japan's second-largest bank by market share, offers banking, leasing, securities, and consumer finance through subsidiaries like SMBC. Shares recently hovered near $21.43, within a 52-week range of $14.28-$24.34, with year-to-date returns around 10.5% and one-year gains of about 51%. Recent market activity has been supported by strong fiscal results, including revenue growth and net income expansion, amid Japan's rate normalization. The group targets mid-teens ROE (Return on Equity, a profitability metric) through cost efficiencies and domestic lending. International exposure adds diversification, though shares faced mild pressure from three-month declines of about 7-8%. Elevated trading volumes reflect optimism in Asian financials.
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Head-to-Head Comparison
SAN and SMFG operate diversified banking models, but differ in geographic focus: SAN's emphasis on retail in emerging markets drives higher growth potential via volume and NII (net interest income), while SMFG leverages Japan's stable corporate lending and global securities. Valuation contrasts show SAN's cheaper P/E (11.8 vs. 14.7) and P/B around 1.4, trading at a discount to SMFG's 1.35 amid similar yields. Recent momentum favors SAN with superior one-year returns, fueled by M&A (mergers and acquisitions) catalysts like Webster, versus SMFG's steadier trajectory tied to BOJ policy. Risks include SAN's emerging market NCO (net charge-offs, loan losses) exposure versus SMFG's yen volatility and slower domestic growth. Sector-wise, both benefit from rate environments, but SAN shows stronger sentiment from efficiency gains.
Tickeron AI Verdict
Tickeron’s AI currently leans toward SAN due to its superior trend consistency, lower valuation multiples, and near-term catalysts like U.S. expansion and robust Q1 results, positioning it favorably relative to SMFG. While SMFG offers stability from Japanese rate hikes, SAN's higher historical returns and capital strength suggest a probabilistic edge in the current environment, though both warrant monitoring for sector rotation.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SAN is a StrongBuy and SMFG is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
SAN’s FA Score shows that 3 FA rating(s) are green whileSMFG’s FA Score has 3 green FA rating(s).
- SAN’s FA Score: 3 green, 2 red.
- SMFG’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
SAN’s TA Score shows that 5 TA indicator(s) are bullish while SMFG’s TA Score has 4 bullish TA indicator(s).
- SAN’s TA Score: 5 bullish, 3 bearish.
- SMFG’s TA Score: 4 bullish, 4 bearish.
Price Growth
SAN (@Major Banks) experienced а +4.34% price change this week, while SMFG (@Major Banks) price change was +3.00% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.98%. For the same industry, the average monthly price growth was +7.87%, and the average quarterly price growth was +16.30%.
Reported Earning Dates
SAN is expected to report earnings on Jul 22, 2026.
SMFG is expected to report earnings on Jul 30, 2026.
Industries' Descriptions
@Major Banks (+0.98% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| SAN | SMFG | SAN / SMFG | |
| Capitalization | 197B | 157B | 125% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 18.311 | 29.488 | 62% |
| P/E Ratio | 13.52 | 16.34 | 83% |
| Revenue | 60.5B | 5.79T | 1% |
| Total Cash | N/A | N/A | - |
| Total Debt | 329B | 32.55T | 1% |
SAN | SMFG | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 26 | 83 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 75 Overvalued | 83 Overvalued | |
PROFIT vs RISK RATING 1..100 | 6 | 6 | |
SMR RATING 1..100 | 4 | 1 | |
PRICE GROWTH RATING 1..100 | 40 | 40 | |
P/E GROWTH RATING 1..100 | 17 | 27 | |
SEASONALITY SCORE 1..100 | 65 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
SAN's Valuation (75) in the Major Banks industry is in the same range as SMFG (83). This means that SAN’s stock grew similarly to SMFG’s over the last 12 months.
SAN's Profit vs Risk Rating (6) in the Major Banks industry is in the same range as SMFG (6). This means that SAN’s stock grew similarly to SMFG’s over the last 12 months.
SMFG's SMR Rating (1) in the Major Banks industry is in the same range as SAN (4). This means that SMFG’s stock grew similarly to SAN’s over the last 12 months.
SMFG's Price Growth Rating (40) in the Major Banks industry is in the same range as SAN (40). This means that SMFG’s stock grew similarly to SAN’s over the last 12 months.
SAN's P/E Growth Rating (17) in the Major Banks industry is in the same range as SMFG (27). This means that SAN’s stock grew similarly to SMFG’s over the last 12 months.
| SAN | SMFG | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 49% | 2 days ago 51% |
| Stochastic ODDS (%) | 2 days ago 49% | 2 days ago 48% |
| Momentum ODDS (%) | 2 days ago 71% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 74% | 2 days ago 69% |
| TrendWeek ODDS (%) | 2 days ago 73% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 71% | 2 days ago 66% |
| Advances ODDS (%) | 2 days ago 72% | 6 days ago 70% |
| Declines ODDS (%) | N/A | 8 days ago 45% |
| BollingerBands ODDS (%) | 2 days ago 58% | 2 days ago 49% |
| Aroon ODDS (%) | 2 days ago 71% | 2 days ago 68% |
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SAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, SAN has been closely correlated with BBVA. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if SAN jumps, then BBVA could also see price increases.
| Ticker / NAME | Correlation To SAN | 1D Price Change % | ||
|---|---|---|---|---|
| SAN | 100% | +1.56% | ||
| BBVA - SAN | 77% Closely correlated | +1.51% | ||
| ING - SAN | 74% Closely correlated | +2.68% | ||
| BCS - SAN | 72% Closely correlated | +3.72% | ||
| HSBC - SAN | 71% Closely correlated | +1.62% | ||
| UBS - SAN | 60% Loosely correlated | +0.67% | ||
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SMFG and
Correlation & Price change
A.I.dvisor indicates that over the last year, SMFG has been closely correlated with MUFG. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if SMFG jumps, then MUFG could also see price increases.
| Ticker / NAME | Correlation To SMFG | 1D Price Change % | ||
|---|---|---|---|---|
| SMFG | 100% | -0.79% | ||
| MUFG - SMFG | 88% Closely correlated | -1.04% | ||
| BCS - SMFG | 54% Loosely correlated | +3.72% | ||
| SAN - SMFG | 53% Loosely correlated | +1.56% | ||
| ING - SMFG | 51% Loosely correlated | +2.68% | ||
| HSBC - SMFG | 48% Loosely correlated | +1.62% | ||
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