Sumitomo Mitsui Financial (SMFG)
NYSE:SMFG
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Sumitomo Mitsui
(NYSE:SMFG)
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Rating:70Outperform
Price Target:
$24.00
â–²(34.53% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by decent but risk-moderated fundamentals (revenue volatility, high/variable leverage, and uneven cash flows), supported by constructive technical trend signals. A very low P/E and a solid dividend yield materially lift the overall attractiveness.
Positive Factors
Diversified business model
SMFG's broad financial-services franchise spans lending, transaction banking, capital markets, and leasing across retail, SME and corporate clients domestically and internationally. This diversification supports more stable fee and interest income and reduces reliance on any single product or market over the medium term.
Negative Factors
High and volatile leverage
Debt-to-equity rising toward ~4.0x and moving materially year-to-year increases balance-sheet risk and reduces financial flexibility. Elevated leverage magnifies the impact of credit losses or market stress, constraining capital allocation and limiting room to expand lending or absorb shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified business model
SMFG's broad financial-services franchise spans lending, transaction banking, capital markets, and leasing across retail, SME and corporate clients domestically and internationally. This diversification supports more stable fee and interest income and reduces reliance on any single product or market over the medium term.
Read all positive factors
Sumitomo Mitsui (SMFG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$146.71B
Dividend Yield2.54%
Average Volume (3M)2.03M
Price to Earnings (P/E)15.0
Beta (1Y)1.19
Revenue Growth4.88%
EPS Growth39.26%
CountryUS
Employees120,000
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)634.84
Shares Outstanding6,379,163,000
10 Day Avg. Volume1,748,163
30 Day Avg. Volume2,029,403
Financial Highlights & Ratios
PEG Ratio-0.91
Price to Book (P/B)1.27
Price to Sales (P/S)1.85
P/FCF Ratio2.73
Enterprise Value/Market Cap46.95
Enterprise Value/Revenue0.45
Enterprise Value/Gross Profit0.82
Enterprise Value/Ebitda1.95
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.79
Revenue Forecast (FY)$33.28B
Sumitomo Mitsui 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 its banking and related financial services businesses. A core revenue stream is net interest income: the group earns interest on loans and other interest-earning assets (e.g., corporate and consumer loans, projec...
Sumitomo Mitsui Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
63
Positive
Cash Flow
58
Neutral
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 10.82T | 9.66T | 8.77T | 5.78T | 3.80T |
| Gross Profit | 5.87T | 4.72T | 4.16T | 3.51T | 3.15T |
| EBITDA | 2.70T | 1.98T | 1.64T | 1.37T | 1.17T |
| Net Income | 1.68T | 1.18T | 962.95B | 805.84B | 706.63B |
Balance Sheet | |||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 90.83T | 10.00T> | 10.00T> | 75.91T | 74.79T |
| Total Debt | 58.66T | 58.30T | 34.26T | 46.16T | 32.12T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 15.85T | 14.70T | 14.66T | 12.68T | 12.10T |
Cash Flow | |||||
| Free Cash Flow | 7.34T | 4.60T | 250.98B | -6.19T | 1.26T |
| Operating Cash Flow | 7.54T | 4.97T | 642.86B | -5.90T | 1.55T |
| Investing Cash Flow | -21.91T | -4.51T | -918.90B | 5.93T | -2.41T |
| Financing Cash Flow | 6.83T | -480.15B | 280.69B | -357.78B | -485.34B |
Sumitomo Mitsui Technical Analysis
Positive
17.84
Price Trends
21.35
Positive
21.33
Positive
19.31
Positive
Market Momentum
0.45
Negative
67.24
Neutral
84.70
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SMFG, the sentiment is Positive. The current price of 17.84 is below the 20-day moving average (MA) of 22.32, below the 50-day MA of 21.35, and below the 200-day MA of 19.31, indicating a bullish trend. The MACD of 0.45 indicates Negative momentum. The RSI at 67.24 is Neutral, neither overbought nor oversold. The STOCH value of 84.70 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SMFG.
Sumitomo Mitsui Risk Analysis
Sumitomo Mitsui disclosed 30 risk factors in its most recent earnings report. Sumitomo Mitsui reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Sumitomo Mitsui Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $321.13B | 14.15 | 12.07% | 4.14% | -6.12% | 12.49% | |
70 Outperform | $146.71B | 15.01 | 10.37% | 2.54% | 4.88% | 39.26% | |
68 Neutral | $219.31B | 14.53 | 11.49% | 2.48% | 3.82% | 34.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $222.82B | 14.68 | 7.53% | 1.94% | 3.02% | 27.74% | |
65 Neutral | $240.78B | 11.94 | 12.04% | 1.80% | 1.28% | 16.35% | |
64 Neutral | $180.25B | 9.75 | 15.73% | 1.85% | -14.46% | 36.76% |
* Financial Sector Average
SMFG
Sumitomo Mitsui
23.58
8.43
55.64%
C
Citigroup
135.15
58.63
76.61%
HSBC
HSBC Holdings
92.62
35.42
61.93%
MUFG
Mitsubishi UFJ
20.05
6.21
44.87%
WFC
Wells Fargo
81.62
6.93
9.28%
SAN
Banco Santander SA
12.47
4.58
57.95%
Sumitomo Mitsui Corporate Events
Sumitomo Mitsui Updates Subordinated Indenture to Support New Global Note Issuance
Mar 3, 2026
On March 3, 2026, Sumitomo Mitsui Financial Group, Inc. filed a Form 6-K with the U.S. Securities and Exchange Commission to incorporate by reference a new Second Supplemental Indenture into its existing shelf registration for debt securities. The...
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.