Sumitomo Mitsui Financial (SMFG)
NYSE:SMFG
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Sumitomo Mitsui
(NYSE:SMFG)
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Rating:70Outperform
Price Target:
$28.00
â–²(56.95% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by decent but risk-moderated fundamentals (revenue volatility, high/variable leverage, and uneven cash flows), supported by constructive technical trend signals. A very low P/E and a solid dividend yield materially lift the overall attractiveness.
Positive Factors
Diversified Business Model
SMFG’s broad mix of commercial, retail, capital markets, leasing and asset management businesses spreads revenue sources across products and geographies. That structural diversification reduces reliance on any single market cycle and supports more durable fee and interest income over months.
Negative Factors
Elevated and Volatile Leverage
Debt/equity rising toward ~4x compresses balance-sheet flexibility and raises sensitivity to funding stress or interest-rate shifts. For a diversified bank, elevated, variable leverage increases regulatory and market risk and constrains capacity to absorb credit or market losses over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Business Model
SMFG’s broad mix of commercial, retail, capital markets, leasing and asset management businesses spreads revenue sources across products and geographies. That structural diversification reduces reliance on any single market cycle and supports more durable fee and interest income over months.
Read all positive factors
Sumitomo Mitsui (SMFG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$149.57B
Dividend Yield2.54%
Average Volume (3M)2.15M
Price to Earnings (P/E)15.5
Beta (1Y)1.17
Revenue Growth6.47%
EPS Growth39.11%
CountryUS
Employees120,000
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)634.84
Shares Outstanding6,379,163,000
10 Day Avg. Volume2,288,394
30 Day Avg. Volume2,146,530
Financial Highlights & Ratios
PEG Ratio-0.91
Price to Book (P/B)1.27
Price to Sales (P/S)1.85
P/FCF Ratio2.73
Enterprise Value/Market Cap68.61
Enterprise Value/Revenue0.67
Enterprise Value/Gross Profit1.23
Enterprise Value/Ebitda2.90
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.78
Revenue Forecast (FY)$33.26B
Sumitomo Mitsui Business Overview & Revenue Model
Company Description
Sumitomo Mitsui Financial Group, Inc., established in Tokyo, Japan, in 2002, is a global financial powerhouse offering a wide array of banking and financial services. Its extensive operations reach across Japan, the Americas, Europe, the Middle Ea...
How the Company Makes Money
SMFG makes money primarily by earning interest income and fee-based income across its banking and non-banking financial subsidiaries. (1) Net interest income: Through SMBC and related entities, SMFG takes deposits and other funding and lends to co...
Sumitomo Mitsui Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
63
Positive
Cash Flow
58
Neutral
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 10.82T | 9.66T | 8.77T | 5.78T | 3.80T |
| Gross Profit | 5.87T | 4.72T | 4.16T | 3.51T | 3.15T |
| EBITDA | 2.70T | 1.98T | 1.64T | 1.37T | 1.17T |
| Net Income | 1.68T | 1.18T | 962.95B | 805.84B | 706.63B |
Balance Sheet | |||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 90.83T | 10.00T> | 10.00T> | 75.91T | 74.79T |
| Total Debt | 58.66T | 58.30T | 34.26T | 46.16T | 32.12T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 15.85T | 14.70T | 14.66T | 12.68T | 12.10T |
Cash Flow | |||||
| Free Cash Flow | 7.34T | 4.60T | 250.98B | -6.19T | 1.26T |
| Operating Cash Flow | 7.54T | 4.97T | 642.86B | -5.90T | 1.55T |
| Investing Cash Flow | -21.91T | -4.51T | -918.90B | 5.93T | -2.41T |
| Financing Cash Flow | 6.83T | -480.15B | 280.69B | -357.78B | -485.34B |
Sumitomo Mitsui Technical Analysis
Positive
17.84
Price Trends
22.34
Positive
21.75
Positive
19.83
Positive
Market Momentum
0.55
Positive
53.67
Neutral
25.28
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 17.84 is below the 20-day moving average (MA) of 23.55, below the 50-day MA of 22.34, and below the 200-day MA of 19.83, indicating a bullish trend. The MACD of 0.55 indicates Positive momentum. The RSI at 53.67 is Neutral, neither overbought nor oversold. The STOCH value of 25.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $327.64B | 15.63 | 12.07% | 4.14% | -6.12% | 12.49% | |
70 Outperform | $149.57B | 15.51 | 10.37% | 2.54% | 6.47% | 39.11% | |
68 Neutral | $223.45B | 15.33 | 11.49% | 2.48% | 4.63% | 34.99% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $248.63B | 17.67 | 7.53% | 1.94% | 3.02% | 27.74% | |
65 Neutral | $259.32B | 12.84 | 12.04% | 1.80% | 1.28% | 16.35% | |
64 Neutral | $198.64B | 10.93 | 15.73% | 1.85% | -14.46% | 36.76% |
* Financial Sector Average
SMFG
Sumitomo Mitsui
23.70
8.47
55.61%
C
Citigroup
144.98
62.48
75.74%
HSBC
HSBC Holdings
95.06
37.39
64.85%
MUFG
Mitsubishi UFJ
20.02
6.20
44.86%
WFC
Wells Fargo
84.74
6.50
8.30%
SAN
Banco Santander SA
13.38
5.45
68.64%
Sumitomo Mitsui Corporate Events
Sumitomo Mitsui Financial Group Calls 24th Ordinary General Meeting for June 26, 2026
May 29, 2026
Sumitomo Mitsui Financial Group, Inc., the Japanese banking and financial services group, has issued notice convening its 24th Ordinary General Meeting of Shareholders. The meeting will be held at the company’s head office in Tokyo at 10:00 ...
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.