Is RY or SMFG more undervalued in 2026?

CirclFi compares Royal Bank Of Canada (RY) and Sumitomo Mitsui Financial Group (SMFG) using 13 institutional-grade valuation models. RY has a Quality of Company score of 8.6/10 while SMFG scores 7.2/10.

Which is a better buy — RY or SMFG?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do RY and SMFG valuations compare?

RY at $189.53 and SMFG at $21.97 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

RY vs SMFG Valuation Comparison 2026 — Intrinsic Value Analysis

RY

Commercial Banks, NEC

Royal Bank Of Canada

Quality

8.6

out of 10

Value Trap

SAFE

Price

$189.53

Last close

Models

12/13

Active

SMFG

Commercial Banks, NEC

Sumitomo Mitsui Financial Group

Quality

7.2

out of 10

Value Trap

LOW

Price

$21.97

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	RY Fair Value	RY Upside	SMFG Fair Value	SMFG Upside
Bayesian DCF	Intrinsic	$105.59	-44.3%	—	—
Earnings Power Value	Intrinsic	$149.19	-21.3%	$116.24	+429.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$165.89	-12.5%	$92.70	+321.9%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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RY vs SMFG — Which Stock Is More Undervalued?

RY scores higher with a 8.6/10 quality rating vs SMFG's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Royal Bank Of Canada (RY) and Sumitomo Mitsui Financial Group (SMFG) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

RY currently trades at $189.53 with a QOC of 8.6/10, while SMFG trades at $21.97 with a QOC of 7.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).