Sumitomo Mitsui (SMFG) AI Stock Analysis

• Market Cap: $95.94B
• Dividend Yield: 2.56%
• Average Volume (3M): 1.79M
• Price to Earnings (P/E): 12.5
• Beta (1Y): 0.92
• Revenue Growth: 0.23%
• EPS Growth: 18.12%
• Country: US
• Employees: 120,000
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Diversified
• EPS (TTM): 0.34
• Shares Outstanding: 6,474,075,700
• 10 Day Avg. Volume: 2,195,339
• 30 Day Avg. Volume: 1,785,652
• PEG Ratio: -0.74
• Price to Book (P/B): 0.57
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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

• Rating: 72 Outperform
• Price Target: $16.50 ▲(11.56%Upside)

Sumitomo Mitsui Financial Group's strong financial performance, characterized by robust revenue growth and profitability, is the primary driver of its stock score. Technical indicators suggest neutral momentum, while fair valuation and attractive dividend yield further support the stock's position. The absence of significant earnings call insights or corporate events does not affect the overall assessment.

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 four segments: Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit. The Wholesale Business Unit segment offers financing, investment management, risk hedging, and settlement services, as well as financial solutions related to mergers and acquisition, and other advisory services primarily for large, mid, and small-sized corporate clients; various leasing services, including equipment, and operating and leveraged leasing; and digital services, such as robotic process automation and electronic contract services. The Retail Business Unit segment offers wealth management, settlement, consumer finance, and housing loan products and services, as well as business and asset succession services to high-net-worth customers. The Global Business Unit segment offers loans, deposits, clearing services, trade finance, project finance, loan syndication, derivatives, and cash management services; underwriting services; and leasing services related to the construction machinery, transportation equipment, industrial machinery, medical equipment, and aircraft leasing. The Global Markets Business Unit segment offers solutions through foreign exchange products, derivatives, bonds, stocks, and other marketable financial products. It also undertakes asset liability management operations. The company also offers credit card, internet banking, system development and engineering, data processing, management consulting and economic research, and investment advisory and investment trust management services. Sumitomo Mitsui Financial Group, Inc. was incorporated in 2002 and is headquartered in Tokyo, Japan.

How the Company Makes Money

SMFG generates revenue through a variety of financial services and products. The primary revenue stream comes from its banking operations, where the company earns interest income from loans and other credit products. Additionally, SMFG benefits from fees and commissions on its banking services, such as transaction processing, asset management, and advisory services. The company also has significant income from its securities business, which includes underwriting, trading, and brokerage services. Furthermore, SMFG has a strong presence in the consumer finance sector, providing personal loans and credit card services, which contribute to its earnings. Strategic partnerships and investments across different sectors, both domestically and internationally, also play a crucial role in expanding its revenue base and market presence.

Sumitomo Mitsui Financial Statement Overview

Summary

Sumitomo Mitsui Financial Group presents a solid financial profile with strong revenue growth and profitability. The balance sheet shows a healthy equity position and moderate leverage, typical for the banking sector. Cash flow generation is robust, supporting the company's financial stability and growth prospects.

Income Statement

Sumitomo Mitsui has demonstrated strong revenue growth, with a notable increase from 2024 to 2025. The gross profit margin is robust, indicating effective cost management. Net profit margin is healthy, reflecting profitability. EBIT and EBITDA margins are also strong, suggesting efficient operations.

Balance Sheet

The company maintains a solid equity base with a positive equity ratio, reflecting financial stability. The debt-to-equity ratio shows moderate leverage, which is typical for the banking sector. Return on equity is good, indicating effective use of equity to generate profits.

Cash Flow

Sumitomo Mitsui exhibits strong free cash flow growth, highlighting efficient cash generation. The operating cash flow to net income ratio is positive, indicating good cash profitability. Free cash flow to net income ratio is strong, reflecting the company's ability to convert net income into cash.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	5.22T	4.43T	3.79T	3.42T	3.17T
Gross Profit	4.72T	4.43T	3.79T	3.42T	3.17T
EBITDA	1.98T	1.96T	1.37T	1.17T	899.42B
Net Income	1.18T	962.95B	805.84B	706.63B	512.81B
Balance Sheet
Total Assets	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Cash, Cash Equivalents and Short-Term Investments	10.00T>	10.00T>	73.21T	72.19T	69.66T
Total Debt	58.30T	34.26T	29.38T	32.12T	30.36T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	14.70T	14.66T	12.68T	12.10T	11.83T
Cash Flow
Free Cash Flow	4.60T	4.47T	-6.19T	1.26T	18.47T
Operating Cash Flow	4.97T	4.86T	-5.90T	1.55T	18.80T
Investing Cash Flow	-4.51T	-918.90B	5.93T	-2.41T	-7.68T
Financing Cash Flow	-480.15B	8.09T	-357.78B	-485.34B	-562.58B

Sumitomo Mitsui Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.79
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SMFG, the sentiment is Negative. The current price of 14.79 is below the 20-day moving average (MA) of 15.03, below the 50-day MA of 14.79, and above the 200-day MA of 14.36, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 45.15 is Neutral, neither overbought nor oversold. The STOCH value of 37.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SMFG.

Sumitomo Mitsui Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HSBC	80 Outperform	$211.95B	11.26	10.83%	3.25%	-1.91%	-6.79%
BAC	76 Outperform	$366.50B	14.53	9.46%	2.14%	8.23%	16.15%
C	76 Outperform	$163.61B	13.84	6.30%	2.56%	2.97%	87.82%
MUFG	76 Outperform	$151.70B	12.87	9.18%	1.99%	5.39%	20.82%
WFC	74 Outperform	$267.95B	14.79	11.05%	1.94%	3.51%	16.51%
SMFG	72 Outperform	$95.94B	12.51	7.92%	2.56%	0.23%	18.12%
Sector *	67 Neutral	$16.89B	11.80	9.79%	3.77%	12.07%	-8.35%