Sumitomo Mitsui Financial Group (8316) AI Stock Analysis

• Market Cap: ¥21.29T
• Dividend Yield: 2.73%
• Average Volume (3M): 11.61M
• Price to Earnings (P/E): 10.5
• Beta (1Y): 1.39
• Revenue Growth: -1.43%
• EPS Growth: 21.70%
• Country: JP
• Employees: 120,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 120.17
• Shares Outstanding: 3,827,498,000
• 10 Day Avg. Volume: 12,491,479
• 30 Day Avg. Volume: 11,612,370
• PEG Ratio: 0.51
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 1.54
• P/FCF Ratio: 3.22
• 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: ¥6,592.90
• Price Target Upside: 18.22% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 8
• EPS Forecast (FY): 463.5
• Revenue Forecast (FY): ¥5.24T

• Rating: 77 Outperform
• Price Target: ¥6,276.00 ▲(12.53% Upside)
• Action: Reiterated Date: 12/02/25
• Date: Action: Reiterated 12/02/25

Sumitomo Mitsui Financial Group's strong financial performance and solid technical indicators are the primary drivers of its stock score. While the stock shows bullish momentum, caution is advised due to overbought technical signals. The reasonable valuation and attractive dividend yield further support the stock's investment case.

Positive Factors

Revenue Growth

Sustained, significant revenue growth supports scale advantages across lending, fee businesses and capital markets activities. Over 2–6 months this underpins higher core earnings potential, funds reinvestment and strengthens the bank's ability to expand loan books and fee-generating services.

Negative Factors

Cash Flow Consistency

Improved free cash flow is positive, but historical volatility in cash conversion raises concerns for predictable capital allocation. Inconsistent cash flows can constrain steady dividend coverage, limit investment cadence and force precautionary capital buffers during stress periods.

Sumitomo Mitsui Financial Group Business Overview & Revenue Model

Company Description

Sumitomo Mitsui Financial Group, Inc., together with its subsidiaries, provides commercial banking, leasing, securities, consumer finance, and other services in Japan, the Americas, Europe, the Middle East, Asia, and Oceania. It operates through f...

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Sumitomo Mitsui Financial Group, Inc., together with its subsidiaries, provides commercial banking, leasing, securities, consumer finance, and other services in Japan, the Americas, Europe, the Middle East, Asia, and Oceania. It operates through f...

How the Company Makes Money

SMFG primarily makes money through its banking and financial services businesses. A major source of earnings is net interest income: the group collects interest on loans and other interest-earning assets (such as corporate loans, consumer lending,...

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SMFG primarily makes money through its banking and financial services businesses. A major source of earnings is net interest income: the group collects interest on loans and other interest-earning assets (such as corporate loans, consumer lending,...

Sumitomo Mitsui Financial Group Financial Statement Overview

Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	9.68T	9.66T	8.77T	5.78T	3.80T	3.57T
Gross Profit	4.83T	4.72T	4.16T	3.51T	3.15T	2.69T
EBITDA	1.95T	1.98T	1.64T	1.37T	1.17T	899.42B
Net Income	1.39T	1.18T	962.95B	805.84B	706.63B	512.81B
Balance Sheet
Total Assets	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Cash, Cash Equivalents and Short-Term Investments	72.60T	75.59T	78.14T	75.91T	74.79T	10.00T>
Total Debt	58.32T	58.30T	53.88T	46.16T	51.48T	46.66T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	15.17T	14.70T	14.66T	12.68T	12.10T	11.83T
Cash Flow
Free Cash Flow	0.00	4.60T	4.72T	-6.19T	414.72B	18.47T
Operating Cash Flow	0.00	4.97T	4.86T	-5.90T	507.31B	18.80T
Investing Cash Flow	0.00	-4.51T	-15.80T	5.93T	-10.73T	-7.68T
Financing Cash Flow	0.00	-480.15B	10.52T	-357.78B	8.88T	-562.58B

Sumitomo Mitsui Financial Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 5577.00
• 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:8316, the sentiment is Positive. The current price of 5577 is above the 20-day moving average (MA) of 5288.50, above the 50-day MA of 5451.00, and above the 200-day MA of 4525.12, indicating a bullish trend. The MACD of 63.92 indicates Negative momentum. The RSI at 56.64 is Neutral, neither overbought nor oversold. The STOCH value of 68.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8316.

Sumitomo Mitsui Financial Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8316	77 Outperform	¥21.29T	10.49	9.58%	2.73%	-1.43%	21.70%
8411	71 Outperform	¥16.74T	10.71	9.14%	2.38%	-3.62%	23.01%
8604	69 Neutral	¥3.74T	10.42	10.23%	3.93%	-2.45%	35.60%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8306	65 Neutral	¥31.98T	13.60	9.01%	2.94%	-1.98%	6.56%
8308	63 Neutral	¥4.33T	10.69	8.37%	1.80%	8.28%	28.63%
7182	63 Neutral	¥9.75T	14.35	5.28%	2.73%	2.17%	9.55%

Sumitomo Mitsui Financial Group Corporate Events