Sumitomo Mitsui Holdings (8309) AI Stock Analysis

• Market Cap: $3.01T
• Dividend Yield: 3.68%
• Average Volume (3M): 2.06M
• Price to Earnings (P/E): 10.8
• Beta (1Y): 1.08
• Revenue Growth: 19.13%
• EPS Growth: 160.69%
• Country: JP
• Employees: 22,911
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 128.10
• Shares Outstanding: 705,385,800
• 10 Day Avg. Volume: 2,017,110
• 30 Day Avg. Volume: 2,058,983
• 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: -1.13
• Enterprise Value/Revenue: -1.90
• Enterprise Value/Gross Profit: -2.30
• Enterprise Value/Ebitda: -9.27
• 1Y Price Target: $4,698.81
• Price Target Upside: 11.11% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥4,652.00 ▲(10.00% Upside)

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.

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. 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	TTM	Dec 2025	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.79T	1.53T	1.02T	1.14T	1.16T	1.09T
Gross Profit	1.48T	1.51T	1.02T	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: 4229.00
• 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 4229 is above the 20-day moving average (MA) of 4171.70, above the 50-day MA of 4181.58, and above the 200-day MA of 3817.10, indicating a bullish trend. The MACD of 21.32 indicates Negative momentum. The RSI at 53.40 is Neutral, neither overbought nor oversold. The STOCH value of 62.09 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	$12.72T	14.57	8.69%	2.72%	-1.99%	23.19%
8309	72 Outperform	$3.01T	10.82	9.20%	3.68%	19.13%	160.69%
7186	72 Outperform	$1.28T	14.79	6.86%	2.95%	13.73%	28.01%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7182	67 Neutral	$6.22T	14.83	4.73%	3.30%	-14.57%	16.03%
6178	64 Neutral	¥4.21T	11.85	3.83%	3.50%	-2.48%	12.18%
8308	61 Neutral	$3.49T	15.28	8.46%	1.86%	14.71%	29.60%

Sumitomo Mitsui Holdings Corporate Events

Sumitomo Mitsui Trust Holdings Reports Strong Net Income Growth

Sumitomo Mitsui Trust Holdings, a prominent financial services group in Japan, operates primarily in the banking and trust services sector, offering a wide range of financial solutions to individual and corporate clients. In its latest earnings report for the quarter ending June 30, 2025, the company reported a slight decrease in ordinary income and profit compared to the previous year, but a significant increase in net income attributable to owners of the parent. The company’s net income per share also saw a notable rise, reflecting improved profitability. Despite a decline in ordinary income by 2.5% to 652,599 million yen and ordinary profit by 9.1% to 83,192 million yen, net income attributable to owners of the parent surged by 36.2% to 90,834 million yen. The comprehensive income also increased significantly by 88.1% to 118,744 million yen, indicating strong overall performance. The company maintained a stable financial position with total assets rising to 79,718,738 million yen and net assets increasing to 3,162,155 million yen. Looking ahead, Sumitomo Mitsui Trust Holdings remains optimistic about its financial prospects, projecting a net income of 280,000 million yen for the fiscal year ending March 31, 2026, reflecting an 8.7% increase from the previous year. The company continues to focus on enhancing shareholder value through strategic initiatives and maintaining robust financial health.

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.