Sumitomo Mitsui Holdings (8309) AI Stock Analysis

• Market Cap: ¥3.30T
• Dividend Yield: 3.35%
• Average Volume (3M): 1.91M
• Price to Earnings (P/E): 11.3
• Beta (1Y): 1.10
• Revenue Growth: 16.24%
• EPS Growth: 78.76%
• Country: JP
• Employees: 22,911
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 114.45
• Shares Outstanding: 705,385,800
• 10 Day Avg. Volume: 2,518,670
• 30 Day Avg. Volume: 1,909,833
• PEG Ratio: 0.05
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 1.74
• P/FCF Ratio: 2.38
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥4,652.00 ▼(-1.06% Downside)

Sumitomo Mitsui Holdings demonstrates strong financial performance with robust revenue growth and operational efficiency. The valuation is attractive with a low P/E ratio and a solid dividend yield. Technical indicators suggest a neutral trend, with no strong momentum signals. The absence of earnings call and corporate events data limits additional insights.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial health.

Operational Efficiency

Stable operational efficiency reflects effective cost management and resource utilization, enhancing profitability and competitiveness.

Balance Sheet Health

A strong balance sheet with a healthy equity ratio provides financial stability and flexibility for future growth and investment.

Negative Factors

Free Cash Flow Consistency

Inconsistent free cash flow can limit financial flexibility and investment capacity, potentially impacting long-term growth opportunities.

Net Profit Margin Fluctuations

Fluctuating net profit margins can indicate volatility in earnings, posing challenges to maintaining consistent profitability.

Free Cash Flow Management

Improving free cash flow management is crucial for sustaining operations and funding strategic initiatives without increasing debt.

Sumitomo Mitsui Holdings Business Overview & Revenue Model

Company Description

Sumitomo Mitsui Trust Holdings, Inc. operates as a trust bank in Japan and internationally. It offers supervising services for management strategies, and financial and human resource management; and corporate administration, operational process, risk, and compliance management services; and internal auditing services. The company also provides real estate brokerage and consulting services for individual and corporate clients. In addition, it offers stock transfer agency services; asset management services; and retail total solution, marketing, and fiduciary services. The company was formerly known as Chuo Mitsui Trust Holdings, Inc. and changed its name to Sumitomo Mitsui Trust Holdings, Inc. in 2011. Sumitomo Mitsui Trust Holdings, Inc. was incorporated in 2002 and is headquartered in Tokyo, Japan.

How the Company Makes Money

Sumitomo Mitsui Trust Holdings generates revenue through multiple streams, including interest income from lending activities, fees from asset management and investment services, and commissions from securities transactions. The company's banking operations contribute significantly to its earnings, primarily through interest earned on loans provided to individuals and businesses. Additionally, trust banking services, such as managing and administering funds and real estate, provide substantial fee-based income. The firm also engages in investment activities, generating returns from its portfolio of securities. Strategic partnerships with other financial institutions and firms enhance its capabilities and market reach, further contributing to its overall revenue.

Sumitomo Mitsui Holdings Financial Statement Overview

Summary

Sumitomo Mitsui Holdings exhibits strong revenue growth and operational efficiency, as evidenced by its income statement metrics. The balance sheet is stable, with a prudent leverage strategy. Cash flow management shows strengths in operating cash flow but requires attention to free cash flow consistency. Overall, the company is on a positive financial trajectory with areas to enhance cash flow stability and shareholder returns.

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	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.79T	2.78T	2.34T	1.69T	1.27T	1.23T
Gross Profit	1.48T	1.51T	1.21T	1.14T	1.16T	1.09T
EBITDA	367.01B	404.16B	142.56B	312.23B	266.72B	242.43B
Net Income	281.77B	257.63B	79.20B	191.00B	169.08B	142.20B
Balance Sheet
Total Assets	79.72T	78.25T	75.88T	69.02T	64.63T	62.16T
Cash, Cash Equivalents and Short-Term Investments	27.50T	25.17T	22.83T	21.60T	18.22T	18.49T
Total Debt	18.57T	21.82T	17.68T	17.12T	16.72T	14.85T
Total Liabilities	76.56T	75.12T	72.74T	12.87T	61.89T	59.44T
Stockholders Equity	3.13T	3.10T	3.11T	2.79T	2.72T	2.69T
Cash Flow
Free Cash Flow	1.12T	1.12T	1.40T	2.55T	-172.08B	6.49T
Operating Cash Flow	1.13T	1.13T	1.47T	2.62T	-120.26B	6.55T
Investing Cash Flow	-1.76T	-1.76T	-2.58T	960.27B	-879.21B	-475.49B
Financing Cash Flow	-47.59B	679.22B	-85.75B	-217.51B	-125.08B	-219.72B

Sumitomo Mitsui Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4702.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 4702 is above the 20-day moving average (MA) of 4562.95, above the 50-day MA of 4357.56, and above the 200-day MA of 3934.18, indicating a bullish trend. The MACD of 91.03 indicates Negative momentum. The RSI at 65.06 is Neutral, neither overbought nor oversold. The STOCH value of 60.82 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	77 Outperform	¥13.98T	13.98	9.14%	2.44%	-3.62%	23.01%
8309	72 Outperform	¥3.30T	11.28	9.00%	3.35%	16.24%	78.76%
8308	72 Outperform	¥3.59T	14.77	8.37%	1.80%	8.28%	28.63%
7186	69 Neutral	¥1.48T	15.87	6.87%	2.54%	19.38%	29.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7182	67 Neutral	¥7.31T	17.02	4.49%	2.83%	2.17%	9.55%
6178	64 Neutral	¥4.77T	12.93	3.72%	3.11%	-1.36%	38.26%

Sumitomo Mitsui Holdings Corporate Events

Sumitomo Mitsui Trust Group Announces Share Repurchase

Sumitomo Mitsui Trust Group announced the repurchase of 2,497,900 of its own shares, totaling approximately JPY 10.95 billion, as part of a broader share buyback program. This move, executed through market purchases on the Tokyo Stock Exchange, is part of a strategic effort to enhance shareholder value and optimize capital structure.

Sumitomo Mitsui Trust Group Announces Share Repurchase and Cancellation

Sumitomo Mitsui Trust Group, Inc. announced a decision to repurchase and subsequently cancel a portion of its own shares, aiming to enhance capital efficiency. This move reflects the company’s strategy to optimize its capital structure while maintaining a balance between shareholder returns and long-term profit growth, potentially impacting its market positioning and investor relations positively.

Sumitomo Mitsui Trust Group Revises Earnings and Dividend Forecasts Upward for FY2025

Sumitomo Mitsui Trust Group has revised its consolidated earnings and dividend forecasts for the fiscal year 2025, anticipating higher net income due to gains on stock sales and low credit costs. The company has increased its year-end dividend forecast, reflecting a commitment to shareholder returns and aiming for a dividend payout ratio of 40% or above.

Sumitomo Mitsui Trust Group Reports Strong Financial Performance and Strategic Adjustments

Sumitomo Mitsui Trust Group reported a notable increase in its financial performance for the six months ended September 30, 2025, with a 3% rise in ordinary income and a significant 29% increase in net income attributable to owners of the parent. The company also announced a revision in its cash dividend forecast, reflecting a positive outlook for the fiscal year ending March 31, 2026. The exclusion of L&F Asset Finance, Ltd. from its consolidation scope and a reduction in the number of treasury stocks are part of the company’s strategic adjustments. These developments indicate a strengthening of the company’s financial position and a commitment to enhancing shareholder value.