Sumitomo Mitsui (SMFG) AI Stock Analysis

• Market Cap: $108.33B
• Dividend Yield: 1.61%
• Average Volume (3M): 2.44M
• Price to Earnings (P/E): 14.2
• Beta (1Y): 1.10
• Revenue Growth: -0.66%
• EPS Growth: 23.90%
• Country: US
• Employees: 120,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.56
• Shares Outstanding: 6,429,012,700
• 10 Day Avg. Volume: 2,690,034
• 30 Day Avg. Volume: 2,435,295
• PEG Ratio: 0.29
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 0.94
• P/FCF Ratio: 1.97
• Enterprise Value/Market Cap: 0.30
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: 0.02
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $18.00 ▲(11.66% Upside)

Sumitomo Mitsui Financial Group's strong financial performance is the most significant factor, supported by robust revenue growth and profitability. The technical analysis indicates a neutral trend with weak momentum, while the valuation is fair with a reasonable P/E ratio and modest dividend yield. The absence of earnings call and corporate events data did not impact the score.

Sumitomo Mitsui Business Overview & Revenue Model

Company Description

Sumitomo Mitsui Financial Group (SMFG) is a leading financial services company based in Japan, primarily engaged in banking, leasing, and investment activities. The group operates through its core subsidiary, Sumitomo Mitsui Banking Corporation (SMBC), which provides a broad range of financial services, including corporate banking, retail banking, and asset management. Additionally, SMFG is involved in securities, credit cards, and insurance services, catering to both individual and corporate clients across domestic and international markets.

How the Company Makes Money

SMFG generates revenue through multiple key streams: interest income from loans and advances made to customers, fees from various banking services, and revenue from investment activities. The company earns interest income primarily from its lending operations, which include corporate loans, consumer loans, and mortgages. Additionally, SMFG benefits from transaction fees related to payment processing, wealth management, and asset management services. The group also has significant investments in securities and other financial instruments that provide dividends and capital gains, contributing to its overall earnings. Strategic partnerships and collaborations with other financial institutions and corporations further enhance its service offerings and revenue potential.

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 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
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	10.00T>	10.00T>	75.91T	74.79T	10.00T>
Total Debt	58.32T	58.30T	34.26T	46.16T	32.12T	30.36T
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	250.98B	-6.19T	1.26T	18.47T
Operating Cash Flow	0.00	4.97T	642.86B	-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	280.69B	-357.78B	-485.34B	-562.58B

Sumitomo Mitsui Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.12
• 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 SMFG, the sentiment is Positive. The current price of 16.12 is below the 20-day moving average (MA) of 16.49, below the 50-day MA of 16.40, and above the 200-day MA of 15.46, indicating a bullish trend. The MACD of 0.20 indicates Negative momentum. The RSI at 50.48 is Neutral, neither overbought nor oversold. The STOCH value of 44.36 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	78 Outperform	$234.71B	14.69	8.66%	4.85%	-9.54%	-22.46%
MUFG	77 Outperform	$169.15B	13.60	9.01%	2.89%	-1.39%	8.53%
WFC	76 Outperform	$264.19B	13.81	11.56%	2.06%	-4.37%	26.41%
SMFG	73 Outperform	$108.33B	14.25	9.09%	1.61%	-0.66%	23.90%
SAN	72 Outperform	$152.83B	10.13	12.54%	2.51%	-15.34%	16.71%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
C	67 Neutral	$178.62B	13.82	6.88%	2.38%	-0.62%	105.57%

Sumitomo Mitsui Corporate Events

Sumitomo Mitsui Financial Group Reports Improved Capital Ratios as of June 2025

On August 14, 2025, Sumitomo Mitsui Financial Group, Inc. released its capital ratios as of June 30, 2025. The report indicates a slight improvement in the company’s financial health, with the total capital ratio increasing to 15.39% from 15.18% as of March 31, 2025. This enhancement in capital ratios reflects positively on the company’s stability and operational efficiency, potentially strengthening its position in the financial market and providing reassurance to stakeholders about its financial robustness.