Sumitomo Mitsui Financial Group Inc (JP:8316)
:8316
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Sumitomo Mitsui Financial Group
(8316)
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Rating:77Outperform
Price Target:
¥6,278.00
▲(12.15% Upside)
Action:ReiteratedDate: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
Diversified universal banking model
SMFG’s wide product footprint across retail, corporate, markets and non‑bank financial services creates multiple durable revenue streams and cross‑sell opportunities. That diversification reduces single‑segment volatility, supports fee growth and helps sustain earnings through cycles.
Negative Factors
Cash flow volatility
Intermittent free cash flow can complicate long‑term payout policies, capital reinvestment and provisioning buffers. Unless SMFG sustains operating cash conversion, variability could constrain strategic investments or dividend reliability during stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified universal banking model
SMFG’s wide product footprint across retail, corporate, markets and non‑bank financial services creates multiple durable revenue streams and cross‑sell opportunities. That diversification reduces single‑segment volatility, supports fee growth and helps sustain earnings through cycles.
Read all positive factors
Sumitomo Mitsui Financial Group (8316) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥21.15T
Dividend Yield2.73%
Average Volume (3M)11.61M
Price to Earnings (P/E)10.5
Beta (1Y)1.42
Revenue Growth0.27%
EPS Growth11.86%
CountryJP
Employees120,000
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)358.67
Shares Outstanding3,827,498,000
10 Day Avg. Volume12,491,479
30 Day Avg. Volume11,612,370
Financial Highlights & Ratios
PEG Ratio0.51
Price to Book (P/B)1.01
Price to Sales (P/S)1.54
P/FCF Ratio3.22
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥7,175.00Price Target Upside28.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)469.64
Revenue Forecast (FY)¥5.31T
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...
How the Company Makes Money
SMFG primarily makes money through (1) net interest income, (2) fee and commission income, (3) trading and investment-related income, and (4) profits from non-banking financial subsidiaries.
1) Net interest income (spread lending business): The c...
Sumitomo Mitsui Financial Group Financial Statement Overview
Summary
Income Statement
87
Very Positive
Balance Sheet
83
Very Positive
Cash Flow
78
Positive
| 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
Positive
5598.00
Price Trends
5468.59
Positive
5244.11
Positive
4557.88
Positive
Market Momentum
88.73
Negative
57.06
Neutral
77.01
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 5598 is above the 20-day moving average (MA) of 5370.20, above the 50-day MA of 5468.59, and above the 200-day MA of 4557.88, indicating a bullish trend. The MACD of 88.73 indicates Negative momentum. The RSI at 57.06 is Neutral, neither overbought nor oversold. The STOCH value of 77.01 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ¥21.15T | 10.49 | 9.58% | 2.73% | 0.27% | 11.86% | |
71 Outperform | ¥16.35T | 10.71 | 9.14% | 2.38% | -9.15% | 19.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥31.29T | 13.60 | 9.01% | 2.94% | -2.14% | 1.56% | |
63 Neutral | ¥4.44T | 10.69 | 8.37% | 1.80% | 11.25% | 26.20% | |
63 Neutral | ¥9.50T | 14.35 | 5.28% | 2.73% | 13.95% | 21.73% | |
59 Neutral | ¥3.51T | 11.81 | 10.23% | 3.93% | 0.46% | 6.87% |
* Financial Sector Average
JP:8316
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Sumitomo Mitsui Financial Group Corporate Events
SMBC Group Sets New Decade-Long Vision to Deepen Japan Roots and Boost Global Reach
Apr 1, 2026
Sumitomo Mitsui Financial Group has introduced a new long-term group vision that positions it as a globally connected institution firmly rooted in Japan, aiming to be its customers’ most trusted partner. The vision underscores the group̵...
Sumitomo Mitsui Financial Group Appoints New Representative Executive Officer
Mar 6, 2026
Sumitomo Mitsui Financial Group announced a leadership change, appointing Takeshi Mikami as Deputy President and Executive Officer with the status of Representative Executive Officer. The decision, approved by the Board of Directors, will take eff...
Sumitomo Mitsui Financial Group Reports Strong Capital Ratios at Year-End 2025
Feb 13, 2026
Sumitomo Mitsui Financial Group reported its regulatory capital ratios as of December 31, 2025, showing a consolidated total capital ratio of 15.95%, Tier 1 ratio of 14.81% and Common Equity Tier 1 ratio of 12.75%, alongside a leverage ratio of 5....
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.