Sumitomo Mitsui Holdings (8309) AI Stock Analysis

• Market Cap: ¥3.02T
• Dividend Yield: 3.43%
• Average Volume (3M): 2.13M
• Price to Earnings (P/E): 10.7
• Beta (1Y): 1.06
• Revenue Growth: 19.13%
• EPS Growth: 160.69%
• Country: JP
• Employees: 22,911
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 128.10
• Shares Outstanding: 713,283,750
• 10 Day Avg. Volume: 1,783,930
• 30 Day Avg. Volume: 2,125,713
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥4,870.28
• Price Target Upside: 14.59% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 72 Outperform
• Price Target: ¥4,273.00 ▲(0.54% Upside)

Sumitomo Mitsui Holdings demonstrates robust financial performance with strong revenue growth and operational efficiency. Technically, the stock is in a positive trend. Valuation metrics suggest a moderately priced stock, although the dividend yield is low. The primary strengths lie in financial metrics and technical trends.

Sumitomo Mitsui Holdings Business Overview & Revenue Model

Company Description

Sumitomo Mitsui Holdings, also known as Sumitomo Mitsui Financial Group (SMFG), is a leading Japanese financial services company. It operates mainly in the banking sector and provides a wide range of financial services, including commercial banking, leasing, securities, and consumer finance. As one of Japan's top financial institutions, SMFG offers comprehensive financial solutions to both individual and corporate clients, emphasizing its strong presence in international markets as well.

How the Company Makes Money

Sumitomo Mitsui Financial Group makes money primarily through its diverse range of financial services and products. The company's key revenue streams include interest income from loans and advances, fees and commissions from banking services, and trading gains from securities and foreign exchange transactions. Additionally, SMFG generates income through its subsidiaries that offer leasing services, credit card services, and investment banking. Significant partnerships with other financial institutions and cross-border operations further boost its earnings, allowing it to tap into international markets and expand its global footprint.

Sumitomo Mitsui Holdings Financial Statement Overview

Summary

Sumitomo Mitsui Holdings exhibits strong revenue growth and operational efficiency. The balance sheet is stable with a prudent leverage strategy, but cash flow management requires attention to free cash flow consistency.

Income Statement

The company has demonstrated a strong revenue growth trajectory, with a substantial increase from the previous year. Gross profit margin has remained robust, indicating effective cost management. However, the net profit margin has seen fluctuations, reflecting variable net income performance. EBIT and EBITDA margins are stable, showcasing operational efficiency.

Balance Sheet

The balance sheet reflects a solid equity base, with a healthy equity ratio. The debt-to-equity ratio is manageable, indicating a balanced approach to leveraging. Return on equity shows a positive trend, but there is room for improvement in maximizing shareholder value.

Cash Flow

Operating cash flow remains strong, with a high operating cash flow to net income ratio, indicating quality earnings. However, free cash flow growth has been inconsistent, affecting the overall cash flow stability. The company needs to focus on consistent free cash flow generation to enhance financial flexibility.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.78T	1.02T	1.14T	1.16T	1.09T
Gross Profit	1.51T	1.02T	1.14T	1.16T	1.09T
EBITDA	304.09B	142.56B	312.23B	266.72B	242.43B
Net Income	257.63B	79.20B	191.00B	169.08B	142.20B
Balance Sheet
Total Assets	78.25T	75.88T	69.02T	64.63T	62.16T
Cash, Cash Equivalents and Short-Term Investments	25.17T	22.83T	21.60T	18.22T	18.49T
Total Debt	21.82T	17.68T	17.12T	16.72T	14.85T
Total Liabilities	75.12T	72.74T	12.87T	61.89T	59.44T
Stockholders Equity	3.10T	3.11T	2.79T	2.72T	2.69T
Cash Flow
Free Cash Flow	1.12T	1.40T	2.55T	-172.08B	6.49T
Operating Cash Flow	1.13T	1.47T	2.62T	-120.26B	6.55T
Investing Cash Flow	-1.76T	-2.58T	960.27B	-879.21B	-475.49B
Financing Cash Flow	-47.59B	-85.75B	-217.51B	-125.08B	-219.72B

Sumitomo Mitsui Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4250.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8309, the sentiment is Positive. The current price of 4250 is above the 20-day moving average (MA) of 4219.30, above the 50-day MA of 4038.76, and above the 200-day MA of 3759.02, indicating a bullish trend. The MACD of 56.73 indicates Positive momentum. The RSI at 57.87 is Neutral, neither overbought nor oversold. The STOCH value of 37.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8309.

Sumitomo Mitsui Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8309	72 Outperform	¥3.02T	10.73	9.20%	3.43%	19.13%	160.69%
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
RSNHF	―	$23.06B	14.93	8.46%	1.71%	―	―
CCRDF	―	$8.63B	14.86	6.86%	2.85%	―	―
JPHLF	―	$30.97B	13.00	3.83%	3.24%	―	―
JPSTF	―	$45.20B	16.27	4.73%	3.09%	―	―
MZHOF	―	$81.60B	13.16	8.69%	2.87%	―	―

Sumitomo Mitsui Holdings Corporate Events

Sumitomo Mitsui Trust Group’s Mixed Financial Performance in Q1 2025

Sumitomo Mitsui Trust Group reported a decrease in ordinary income and profit for the three months ended June 30, 2025, compared to the previous year. Despite this, net income attributable to owners of the parent increased significantly by 36.2%. The company’s total assets and net assets saw a slight increase, and it maintained a stable net assets to total assets ratio. The financial results indicate a mixed performance, with some areas of growth and others facing challenges.

The most recent analyst rating on (JP:8309) stock is a Hold with a Yen4230.00 price target. To see the full list of analyst forecasts on Sumitomo Mitsui Holdings stock, see the JP:8309 Stock Forecast page.

Sumitomo Mitsui Trust Group Completes Share Repurchase and Cancellation

Sumitomo Mitsui Trust Group, Inc. has completed the repurchase and cancellation of its own shares as per the resolution passed by its board of directors. The company repurchased a total of 1,323,500 shares for approximately JPY 5.1 billion and will cancel 7,898,000 shares on September 18, 2025. This move is part of the company’s strategy to optimize its capital structure and enhance shareholder value.

The most recent analyst rating on (JP:8309) stock is a Hold with a Yen4230.00 price target. To see the full list of analyst forecasts on Sumitomo Mitsui Holdings stock, see the JP:8309 Stock Forecast page.

Sumitomo Mitsui Trust Group Announces Share Repurchase

Sumitomo Mitsui Trust Group announced the repurchase of 3,162,600 of its own shares, amounting to JPY 12,083,551,500, during June 2025. This move is part of a broader strategy approved by the board to repurchase up to 13 million shares, reflecting the company’s efforts to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (JP:8309) stock is a Hold with a Yen4230.00 price target. To see the full list of analyst forecasts on Sumitomo Mitsui Holdings stock, see the JP:8309 Stock Forecast page.

Sumitomo Mitsui Trust Group Announces Share Repurchase

Sumitomo Mitsui Trust Group has announced the repurchase of 3,411,900 of its own shares, amounting to JPY 12,779,807,300, conducted through market purchases on the Tokyo Stock Exchange. This repurchase is part of a broader plan approved by the board to buy back up to 13,000,000 shares, reflecting the company’s strategy to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (JP:8309) stock is a Hold with a Yen3780.00 price target. To see the full list of analyst forecasts on Sumitomo Mitsui Holdings stock, see the JP:8309 Stock Forecast page.