Sumitomo Mitsui Financial (SMFG)
NYSE:SMFG
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Sumitomo Mitsui
(NYSE:SMFG)
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Rating:74Outperform
Price Target:
$21.50
â–²(20.52% Upside)
Action:ReiteratedDate:02/13/26
The score is driven primarily by strong financial performance (solid growth, profitability, and cash generation). Technicals are supportive but tempered by overbought signals, while valuation appears reasonable with a moderate dividend yield.
Positive Factors
Revenue & margin strength
Income statement shows sustained revenue growth and healthy gross, EBIT and EBITDA margins. Durable margin profile implies efficient cost control and scalable earnings, supporting resilient profitability and internal capital generation across economic cycles over the next several months.
Negative Factors
Moderate sector-typical leverage
While leverage aligns with peers, moderate debt levels increase sensitivity to credit losses and interest-cost shifts. In stressed environments leverage can compress capital ratios and force tighter lending or capital raises, limiting strategic flexibility in the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & margin strength
Income statement shows sustained revenue growth and healthy gross, EBIT and EBITDA margins. Durable margin profile implies efficient cost control and scalable earnings, supporting resilient profitability and internal capital generation across economic cycles over the next several months.
Read all positive factors
Sumitomo Mitsui (SMFG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$120.75B
Dividend Yield2.54%
Average Volume (3M)2.27M
Price to Earnings (P/E)2.1
Beta (1Y)1.21
Revenue Growth-0.66%
EPS Growth23.90%
CountryUS
Employees120,000
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)0.46
Shares Outstanding6,379,163,000
10 Day Avg. Volume2,118,820
30 Day Avg. Volume2,271,136
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)0.62
Price to Sales (P/S)0.94
P/FCF Ratio1.97
Enterprise Value/Market Cap72.96
Enterprise Value/Revenue0.58
Enterprise Value/Gross Profit1.10
Enterprise Value/Ebitda2.70
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.77
Revenue Forecast (FY)$33.02B
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
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 15.21T | 9.66T | 8.77T | 5.78T | 3.80T | 3.57T |
| Gross Profit | 8.04T | 4.72T | 4.16T | 3.51T | 3.15T | 2.69T |
| EBITDA | 3.26T | 1.98T | 1.64T | 1.37T | 1.17T | 899.42B |
| Net Income | 2.37T | 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 | 69.26T | 10.00T> | 10.00T> | 75.91T | 74.79T | 10.00T> |
| Total Debt | 60.93T | 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 | 15.65T | 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
Neutral
17.84
Price Trends
21.16
Negative
19.90
Negative
17.91
Positive
Market Momentum
-0.54
Negative
45.65
Neutral
27.07
Neutral
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 17.84 is below the 20-day moving average (MA) of 19.69, below the 50-day MA of 21.16, and below the 200-day MA of 17.91, indicating a neutral trend. The MACD of -0.54 indicates Negative momentum. The RSI at 45.65 is Neutral, neither overbought nor oversold. The STOCH value of 27.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $120.75B | 2.09 | 9.58% | 2.54% | -0.66% | 23.90% | |
72 Outperform | $159.78B | 10.97 | 13.89% | 1.85% | -15.34% | 16.71% | |
71 Outperform | $275.06B | 12.28 | 11.88% | 4.14% | -9.54% | -22.46% | |
69 Neutral | $183.50B | 13.57 | 9.31% | 2.48% | -1.09% | 8.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $236.98B | 13.89 | 11.78% | 1.80% | -4.37% | 26.41% | |
58 Neutral | $187.65B | 14.89 | 6.71% | 1.94% | -0.62% | 105.57% |
* Financial Sector Average
SMFG
Sumitomo Mitsui
19.75
4.67
30.97%
C
Citigroup
113.41
44.66
64.96%
HSBC
HSBC Holdings
82.49
28.07
51.59%
MUFG
Mitsubishi UFJ
16.97
3.67
27.59%
WFC
Wells Fargo
79.61
9.82
14.06%
SAN
Banco Santander SA
11.28
4.65
70.03%
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...
Sumitomo Mitsui Financial Group Details New Series of Senior U.S. Dollar Notes in January 2026 Filing
Jan 15, 2026
On January 15, 2026, Sumitomo Mitsui Financial Group, Inc. filed a Form 6-K in the United States detailing the documentation for a series of senior unsecured U.S. dollar notes, including senior floating rate notes due 2029, 4.108% senior fixed rat...
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.