Sumitomo Mitsui Holdings (8309) AI Stock Analysis

• Market Cap: $2.75T
• Dividend Yield: 2.01%
• Average Volume (3M): 1.99M
• Price to Earnings (P/E): 10.7
• Beta (1Y): 1.04
• Revenue Growth: 28.81%
• EPS Growth: 228.83%
• Country: JP
• Employees: 22,911
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 44.96
• Shares Outstanding: 713,283,750
• 10 Day Avg. Volume: 1,747,270
• 30 Day Avg. Volume: 1,993,953
• PEG Ratio: 0.60
• Price to Book (P/B): 0.60
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.66
• 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: $4,299.00
• Price Target Upside: 11.52% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 72 Outperform
• Price Target: ¥4,273.00 ▲(10.84%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 profitability, with effective cost management as reflected in the income statement. However, the balance sheet shows a low equity ratio, and cash flow challenges persist, indicating potential financial risks.

Income Statement

Sumitomo Mitsui Holdings has demonstrated strong revenue growth in the TTM (Trailing-Twelve-Months) period. The company achieved a gross profit margin of 117.32% and a net profit margin of 14.70% for the TTM, indicating efficient cost management. However, the EBIT margin of 42.54% and EBITDA margin of 7.89% suggest potential room for improvement in operational efficiency.

Balance Sheet

The company maintains a healthy debt-to-equity ratio of 4.93, indicating prudent financial leverage. The return on equity (ROE) is 8.21%, reflecting moderate profitability. The equity ratio of 3.98% suggests a relatively low proportion of assets financed by equity, which could pose a risk in volatile market conditions.

Cash Flow

Cash flow analysis reveals challenges in cash generation, with a significant decline in free cash flow and zero operating cash flow in the TTM period. The operating cash flow to net income ratio and free cash flow to net income ratio cannot be calculated due to missing data, highlighting concerns about cash flow stability.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	1.74T	2.75T	1.02T	1.14T	1.16T	1.09T
Gross Profit	2.04T	0.00	1.02T	1.14T	1.16T	1.09T
EBITDA	202.91B	304.09B	142.56B	312.23B	266.72B	242.43B
Net Income	255.91B	257.63B	79.20B	191.00B	169.08B	142.20B
Balance Sheet
Total Assets	78.32T	78.25T	75.88T	69.02T	64.63T	62.16T
Cash, Cash Equivalents and Short-Term Investments	24.63T	0.00	22.83T	21.60T	18.22T	18.49T
Total Debt	15.37T	21.82T	17.68T	17.12T	16.72T	14.85T
Total Liabilities	75.18T	75.12T	72.74T	12.87T	61.89T	59.44T
Stockholders Equity	3.11T	3.10T	3.11T	2.79T	2.72T	2.69T
Cash Flow
Free Cash Flow	0.00	1.12T	1.40T	2.55T	-172.08B	6.49T
Operating Cash Flow	0.00	1.13T	1.47T	2.62T	-120.26B	6.55T
Investing Cash Flow	0.00	-971.48B	-2.58T	960.27B	-879.21B	-475.49B
Financing Cash Flow	0.00	2.03T	-85.75B	-217.51B	-125.08B	-219.72B

Sumitomo Mitsui Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3855.00
• 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 3855 is below the 20-day moving average (MA) of 3856.75, above the 50-day MA of 3806.68, and above the 200-day MA of 3629.80, indicating a neutral trend. The MACD of 17.53 indicates Positive momentum. The RSI at 52.35 is Neutral, neither overbought nor oversold. The STOCH value of 30.12 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
8411	78 Outperform	¥10.35T	11.78	8.45%	2.93%	7.33%	30.52%
7182	74 Outperform	¥5.86T	14.30	4.38%	3.54%	-15.25%	16.43%
8309	72 Outperform	$2.75T	10.72	8.20%	2.01%	28.81%	228.83%
Sector *	67 Neutral	¥722.67B	10.84	7.55%	3.37%	7.81%	14.63%
8308	66 Neutral	$2.97T	13.98	7.67%	1.92%	18.56%	44.11%
6178	63 Neutral	¥4.01T	11.32	3.78%	5.56%	-4.62%	48.73%
7186	60 Neutral	$1.09T	13.35	6.37%	3.03%	8.79%	19.19%

Sumitomo Mitsui Holdings Corporate Events

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.

Sumitomo Mitsui Trust Group Proposes Amendments to Articles of Incorporation

Sumitomo Mitsui Trust Group, Inc. has announced proposed amendments to its Articles of Incorporation, aiming to enhance flexibility in shareholder meetings and strengthen corporate governance. Key changes include provisions for alternate presiding officers at shareholder meetings and a reduction in the maximum number of directors from twenty to fourteen, reflecting a strategic move to maintain an appropriate board size.

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.

Sumitomo Mitsui Trust Group to Repurchase and Cancel Shares for Capital Efficiency

Sumitomo Mitsui Trust Group has announced a decision to repurchase and subsequently cancel up to 13 million of its own shares, equivalent to 1.8% of its total shares in issue, excluding treasury stock. This move, aimed at improving capital efficiency, reflects the company’s strategy to balance capital use for profit growth with shareholder returns, as outlined in its shareholder return policy.

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.

Sumitomo Mitsui Trust Group Reports Strong Financial Growth for FY 2025

Sumitomo Mitsui Trust Group, Inc. reported a significant increase in its consolidated financial results for the fiscal year ended March 31, 2025, compared to the previous year. The rise in ordinary income was driven by higher interest profits from loans, discounts, and securities, while ordinary profit benefited from the elimination of losses related to Japanese equity bear type mutual funds. This improvement reflects the company’s strengthened financial position and strategic adjustments, potentially enhancing its market competitiveness and stakeholder value.

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.

Sumitomo Mitsui Trust Group Reports Strong Financial Growth for FY 2025

Sumitomo Mitsui Trust Group reported significant growth in its financial results for the fiscal year ending March 31, 2025, with a notable increase in ordinary income and net income attributable to owners of the parent. The company executed a 2-for-1 stock split and increased its annual cash dividends per share, reflecting a strong financial position. These results indicate a robust performance and a positive outlook for stakeholders, enhancing the company’s industry positioning and shareholder value.

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.

Sumitomo Mitsui Trust Group Addresses Insider Trading Incident with New Preventive Measures

Sumitomo Mitsui Trust Group has announced the results of an investigation into insider trading by a former employee of its subsidiary, Sumitomo Mitsui Trust Bank. The investigation, led by an independent committee, resulted in recommendations for preventing future occurrences, which the company is committed to implementing. These measures include enhancing employee education on ethical standards, strengthening preventive measures, and improving the management of insider information. The company aims to restore trust among its clients, shareholders, and stakeholders by reinforcing its internal management system and ensuring compliance with financial regulations.