Sumitomo Mitsui (SMFG) AI Stock Analysis

• Market Cap: $97.07B
• Dividend Yield: 2.53%
• Average Volume (3M): 1.91M
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.92
• Revenue Growth: 0.23%
• EPS Growth: 18.40%
• Country: US
• Employees: 120,000
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Diversified
• EPS (TTM): 0.34
• Shares Outstanding: 6,474,075,700
• 10 Day Avg. Volume: 1,699,814
• 30 Day Avg. Volume: 1,908,104
• PEG Ratio: -33.45
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.85
• 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: 80 Outperform
• Price Target: $17.00 ▲(14.17%Upside)

Sumitomo Mitsui Financial Group scores well due to its strong financial performance, characterized by robust revenue growth, profitability, and cash flow generation. Technical analysis also supports a positive outlook with bullish price trends. The valuation is attractive with a reasonable P/E ratio and solid dividend yield, enhancing the stock's appeal.

Sumitomo Mitsui Business Overview & Revenue Model

Company Description

Sumitomo Mitsui Financial Group, Inc. (SMFG) is a leading Japanese financial group headquartered in Tokyo. The company operates primarily in the banking sector but also provides a wide range of financial services including leasing, securities, consumer finance, and asset management. SMFG's core subsidiary, Sumitomo Mitsui Banking Corporation (SMBC), is one of the largest and most prominent banks in Japan, offering retail, corporate, and investment banking services to a diverse clientele.

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's financial health is strong with robust growth in revenue and profitability. The balance sheet shows prudent financial management with low leverage and growing equity. Cash flow improvements highlight efficient cash management, although past volatility poses a risk. Overall, the company is well-positioned in the banking industry with solid financial fundamentals.

Income Statement

Sumitomo Mitsui shows strong revenue growth, with a significant increase from 3,785.5 billion yen in 2023 to 4,433.4 billion yen in 2024, indicating a healthy growth trajectory. The Gross Profit Margin remains robust, reflecting efficient management. However, the absence of EBITDA data for 2024 limits a full analysis of operational efficiency. Net Profit Margin improved from the previous year, showcasing enhanced profitability.

Balance Sheet

The company's balance sheet is solid with a low Debt-to-Equity Ratio, reflecting conservative leverage. Stockholders' Equity has grown, enhancing financial stability. However, the Equity Ratio remains modest, suggesting a balanced but cautious capital structure.

Cash Flow

Cash flow performance is impressive, with a significant turnaround in Free Cash Flow from negative to positive, indicating improved operational efficiency. The Operating Cash Flow to Net Income Ratio is strong, suggesting effective cash conversion. However, volatility in operating cash flows over the years suggests potential fluctuations in cash flow stability.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
4.61T	5.22T	4.43T	3.79T	3.42T	3.17T
	Gross Profit
4.61T	4.72T	4.43T	3.79T	3.42T	3.17T
	EBIT
1.81T	2.82T	1.67T	1.34T	788.92B	973.50B
	EBITDA
1.81T	1.98T	1.96T	1.37T	1.17T	899.42B
	Net Income Common Stockholders
1.09T	1.18T	962.95B	805.84B	706.63B	512.81B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
83.31T	10.00T>	10.00T>	73.21T	72.19T	69.66T
	Total Assets
10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
	Total Debt
26.23T	58.30T	34.26T	29.38T	32.12T	30.36T
	Net Debt
-35.53T	-17.29T	-43.89T	-46.53T	-42.67T	-42.21T
	Total Liabilities
10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
	Stockholders Equity
10.72T	14.70T	14.66T	12.68T	12.10T	11.83T
Cash Flow		Free Cash Flow
281.76B	4.60T	4.47T	-6.19T	1.26T	18.47T
	Operating Cash Flow
281.76B	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: Neutral
• Last Price: 14.89
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SMFG, the sentiment is Neutral. The current price of 14.89 is below the 20-day moving average (MA) of 15.03, above the 50-day MA of 14.22, and above the 200-day MA of 14.19, indicating a neutral trend. The MACD of 0.21 indicates Positive momentum. The RSI at 50.49 is Neutral, neither overbought nor oversold. The STOCH value of 16.62 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SMFG.

Sumitomo Mitsui Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BAC	81 Outperform	$339.61B	13.46	9.46%	2.31%	8.23%	16.15%
HSBC	80 Outperform	$206.74B	11.00	10.83%	3.32%	-1.91%	-6.79%
SMFG	80 Outperform	$97.07B	12.66	7.92%	2.53%	0.23%	18.40%
MUFG	76 Outperform	$153.22B	12.94	9.18%	1.98%	4.98%	21.03%
WFC	76 Outperform	$245.53B	13.56	11.05%	2.12%	3.51%	16.51%
C	74 Outperform	$145.74B	12.33	6.30%	2.87%	2.97%	87.82%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%