Sumitomo Mitsui (SMFG) AI Stock Analysis

• Market Cap: $107.32B
• Dividend Yield: 2.47%
• Average Volume (3M): 2.06M
• Price to Earnings (P/E): 13.7
• Beta (1Y): 0.98
• Revenue Growth: 0.67%
• EPS Growth: 11.85%
• Country: US
• Employees: 120,000
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Diversified
• EPS (TTM): 0.33
• Shares Outstanding: 6,429,012,700
• 10 Day Avg. Volume: 1,732,301
• 30 Day Avg. Volume: 2,056,394
• PEG Ratio: 0.29
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 1.74
• P/FCF Ratio: 1.97
• Enterprise Value/Market Cap: 0.02
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: $17.00
• Price Target Upside: 2.97% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: $17.00 ▲(2.97% Upside)

Sumitomo Mitsui Financial Group's strong financial performance is the primary driver of the overall score, reflecting robust revenue growth, profitability, and cash flow generation. The valuation is attractive with a reasonable P/E ratio and high dividend yield. Technical analysis indicates stable market conditions but lacks significant bullish momentum.

Sumitomo Mitsui Business Overview & Revenue Model

Company Description

Sumitomo Mitsui Financial Group (SMFG) is a major financial services conglomerate based in Japan, primarily engaged in banking, securities, and other financial services. The group encompasses various subsidiaries including Sumitomo Mitsui Banking Corporation (SMBC), which offers a wide range of banking services such as retail and corporate banking, investment banking, asset management, and leasing. SMFG operates both domestically and internationally, catering to individual customers, small and medium-sized enterprises, and large corporations, and is known for its strong emphasis on customer service and innovative financial solutions.

How the Company Makes Money

SMFG generates revenue primarily through interest income from loans and advances made by its banking operations, which constitute a significant portion of its earnings. Additionally, the company earns fees and commissions from various financial services, including investment banking, asset management, and securities trading. The group also benefits from wealth management services, insurance products, and leasing operations. Key partnerships with corporations and government entities enhance its ability to provide tailored financial solutions, while its international presence allows SMFG to capture diverse market opportunities, further contributing to its revenue streams.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	6.12T	5.22T	4.43T	3.79T	3.42T	3.17T
Gross Profit	4.92T	5.22T	4.43T	3.79T	3.42T	3.17T
EBITDA	1.74T	1.98T	1.96T	1.37T	1.17T	899.42B
Net Income	1.18T	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	10.00T>	10.00T>	10.00T>	73.21T	72.19T	69.66T
Total Debt	58.30T	58.30T	34.26T	29.38T	32.12T	30.36T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	14.70T	14.70T	14.66T	12.68T	12.10T	11.83T
Cash Flow
Free Cash Flow	0.00	4.60T	4.47T	-6.19T	1.26T	18.47T
Operating Cash Flow	0.00	4.97T	4.86T	-5.90T	1.55T	18.80T
Investing Cash Flow	0.00	-4.51T	-918.90B	5.93T	-2.41T	-7.68T
Financing Cash Flow	0.00	-480.15B	8.09T	-357.78B	-485.34B	-562.58B

Sumitomo Mitsui Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.51
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 16.51 is above the 20-day moving average (MA) of 16.17, above the 50-day MA of 15.52, and above the 200-day MA of 14.90, indicating a bullish trend. The MACD of 0.38 indicates Positive momentum. The RSI at 57.18 is Neutral, neither overbought nor oversold. The STOCH value of 24.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SMFG.

Sumitomo Mitsui Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HSBC	81 Outperform	$224.58B	12.93	10.69%	5.08%	-2.96%	-13.66%
SAN	78 Outperform	$140.85B	9.97	12.85%	2.48%	-14.74%	17.03%
WFC	77 Outperform	$261.11B	13.75	11.51%	2.00%	0.37%	19.89%
SMFG	76 Outperform	$107.32B	13.65	8.23%	2.47%	0.67%	11.85%
MUFG	76 Outperform	$174.07B	14.40	9.43%	2.26%	0.82%	28.48%
C	73 Outperform	$176.21B	14.05	6.64%	2.35%	0.52%	89.25%
Sector *	68 Neutral	$17.84B	12.03	10.32%	3.73%	9.70%	0.76%