(SMFG) Sumitomo Mitsui Financial - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 136.239m USD | Total Return: 61% in 12m

Banking, Securities, Leasing, Finance, Insurance
Total Rating 51
Safety 33
Buy Signal 0.46
Banks - Diversified
Industry Rotation: +10.4
Market Cap: 136B
Avg Turnover: 39.1M USD
ATR: 2.82%
Peers RS (IBD): 65.7
Risk 5d forecast
Volatility31.5%
Rel. Tail Risk-6.43%
Reward TTM
Sharpe Ratio1.84
Alpha32.79
Character TTM
Beta1.231
Beta Downside1.800
Drawdowns 3y
Max DD25.67%
CAGR/Max DD1.57
EPS (Earnings per Share) EPS (Earnings per Share) of SMFG over the last years for every Quarter: "2021-03": 0.1057, "2021-06": 0.2715, "2021-09": 0.34, "2021-12": 0.22, "2022-03": 0.1, "2022-06": 0.28, "2022-09": 0.29, "2022-12": 0.25, "2023-03": 0.05, "2023-06": 0.27, "2023-09": 0.29, "2023-12": 0.27, "2024-03": 0.18, "2024-06": 0.36, "2024-09": -0.1267, "2024-12": 0.135, "2025-03": 0.0396, "2025-06": 97.44, "2025-09": 0.5589, "2025-12": 0.4632,
EPS CAGR: 50.50%
EPS Trend: 33.2%
Last SUE: 0.00
Qual. Beats: 0
Revenue Revenue of SMFG over the last years for every Quarter: 2021-03: 849644, 2021-06: 882155, 2021-09: 763997, 2021-12: 1126600, 2022-03: 1030361, 2022-06: 1152124, 2022-09: 1485925, 2022-12: 1482822, 2023-03: 1660508, 2023-06: 1010117, 2023-09: 1051673, 2023-12: 1068253, 2024-03: 1303328, 2024-06: 1184616, 2024-09: 2536795, 2024-12: 2402850, 2025-03: 2305988, 2025-06: 2313976, 2025-09: 2659574, 2025-12: 7934366,
Rev. CAGR: 72.35%
Rev. Trend: 75.5%
Last SUE: 2.39
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: SMFG Sumitomo Mitsui Financial

Sumitomo Mitsui Financial Group, Inc. (SMFG) is a Japanese diversified financial institution. It offers banking, leasing, securities, and consumer finance globally.

The company operates through four segments: Wholesale, Retail, Global, and Global Markets. The Wholesale unit provides corporate banking services, including various loan types and advisory services. The Retail unit focuses on wealth management, credit cards, and consumer loans. The Global unit offers international banking and financial services, including project finance and underwriting. The Global Markets unit handles asset liability management and trading. Diversified banks typically offer a broad range of financial products and services to varied customer segments.

SMFG also provides ancillary services such as system development, consulting, and asset management. The financial sector is highly regulated globally.

Further research on ValueRay can provide detailed performance metrics and competitive analysis.

Headlines to Watch Out For
  • Japanese interest rate policy impacts lending margins
  • Global economic slowdown reduces wholesale and retail loan demand
  • Regulatory changes in international markets affect global business unit
  • Yen exchange rate fluctuations influence overseas earnings
  • Securities trading volatility impacts global markets unit revenue
Piotroski VR‑10 (Strict) 4.0
Net Income: 2367.88b TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.37 > 1.0
NWC/Revenue: -1.12k% < 20% (prev -2.05k%; Δ 927.0% < -1%)
CFO/TA 0.02 > 3% & CFO 4969.42b > Net Income 2367.88b
Net Debt (-8329.85b) to EBITDA (3262.03b): -2.55 < 3
Current Ratio: 0.29 > 1.5 & < 3
Outstanding Shares: last quarter (3.85b) vs 12m ago -2.26% < -2%
Gross Margin: 52.87% > 18% (prev 0.33%; Δ 5.25k% > 0.5%)
Asset Turnover: 4.85% > 50% (prev 2.39%; Δ 2.46% > 0%)
Interest Coverage Ratio: 0.49 > 6 (EBITDA TTM 3262.03b / Interest Expense TTM 6675.48b)
Altman Z'' -3.32
A: -0.54 (Total Current Assets 69476.91b - Total Current Liabilities 239854.26b) / Total Assets 316731.79b
B: 0.03 (Retained Earnings 8822.02b / Total Assets 316731.79b)
C: 0.01 (EBIT TTM 3262.03b / Avg Total Assets 313792.32b)
D: 0.05 (Book Value of Equity 15191.50b / Total Liabilities 300945.08b)
Altman-Z'' Score: -3.32 = D
Beneish M -3.07
DSRI: 0.45 (Receivables 216.86b/233.51b, Revenue 15213.90b/7427.59b)
GMI: 0.61 (GM 52.87% / 32.51%)
AQI: 1.03 (AQ_t 0.78 / AQ_t-1 0.76)
SGI: 2.05 (Revenue 15213.90b / 7427.59b)
TATA: -0.01 (NI 2367.88b - CFO 4969.42b) / TA 316731.79b)
Beneish M-Score: -3.07 (Cap -4..+1) = AA
What is the price of SMFG shares? As of April 16, 2026, the stock is trading at USD 21.27 with a total of 1,277,270 shares traded.
Over the past week, the price has changed by -0.28%, over one month by +10.36%, over three months by +0.75% and over the past year by +60.98%.
Is SMFG a buy, sell or hold? Sumitomo Mitsui Financial has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy SMFG.
  • StrongBuy: 1
  • Buy: 0
  • Hold: 0
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the SMFG price?
Analysts Target Price 23.5 10.3%
Sumitomo Mitsui Financial (SMFG) - Fundamental Data Overview as of 15 April 2026
Market Cap JPY = 21757.75b (136.24b USD * 159.7027 USD.JPY)
P/E Trailing = 15.1844
P/E Forward = 12.2399
P/S = 0.0367
P/B = 1.3862
P/EG = 0.9061
Revenue TTM = 15213.90b JPY
EBIT TTM = 3262.03b JPY
EBITDA TTM = 3262.03b JPY
Long Term Debt = 24773.85b JPY (from longTermDebt, last quarter)
Short Term Debt = 35212.87b JPY (from shortTermDebt, last quarter)
Debt = 60930.20b JPY (from shortLongTermDebtTotal, last quarter)
Net Debt = -8329.85b JPY (from netDebt column, last quarter)
Enterprise Value = 13427.90b JPY (21757.75b + Debt 60930.20b - CCE 69260.05b)
Interest Coverage Ratio = 0.49 (Ebit TTM 3262.03b / Interest Expense TTM 6675.48b)
EV/FCF = 2.92x (Enterprise Value 13427.90b / FCF TTM 4602.46b)
FCF Yield = 34.28% (FCF TTM 4602.46b / Enterprise Value 13427.90b)
FCF Margin = 30.25% (FCF TTM 4602.46b / Revenue TTM 15213.90b)
Net Margin = 15.56% (Net Income TTM 2367.88b / Revenue TTM 15213.90b)
Gross Margin = 52.87% ((Revenue TTM 15213.90b - Cost of Revenue TTM 7171.01b) / Revenue TTM)
Gross Margin QoQ = 54.59% (prev 56.23%)
Tobins Q-Ratio = 0.04 (Enterprise Value 13427.90b / Total Assets 316731.79b)
Interest Expense / Debt = 5.55% (Interest Expense 3384.46b / Debt 60930.20b)
Taxrate = 26.49% (501.87b / 1894.22b)
NOPAT = 2397.76b (EBIT 3262.03b * (1 - 26.49%))
Current Ratio = 0.29 (Total Current Assets 69476.91b / Total Current Liabilities 239854.26b)
Debt / Equity = 3.89 (Debt 60930.20b / totalStockholderEquity, last quarter 15651.82b)
Debt / EBITDA = -2.55 (Net Debt -8329.85b / EBITDA 3262.03b)
Debt / FCF = -1.81 (Net Debt -8329.85b / FCF TTM 4602.46b)
Total Stockholder Equity = 14998.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.75% (Net Income 2367.88b / Total Assets 316731.79b)
RoE = 15.79% (Net Income TTM 2367.88b / Total Stockholder Equity 14998.75b)
RoCE = 8.20% (EBIT 3262.03b / Capital Employed (Equity 14998.75b + L.T.Debt 24773.85b))
RoIC = 5.12% (NOPAT 2397.76b / Invested Capital 46846.01b)
WACC = 5.72% (E(21757.75b)/V(82687.95b) * Re(10.31%) + D(60930.20b)/V(82687.95b) * Rd(5.55%) * (1-Tc(0.26)))
Discount Rate = 10.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.81%
[DCF] Terminal Value 80.82% ; FCFF base≈2861.87b ; Y1≈1878.95b ; Y5≈859.25b
[DCF] Fair Price = 5.60k (EV 27274.97b - Net Debt -8329.85b = Equity 35604.82b / Shares 6.36b; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 33.16 | EPS CAGR: 50.50% | SUE: 0.00 | # QB: 0
Revenue Correlation: 75.48 | Revenue CAGR: 72.35% | SUE: 2.39 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.45 | Chg7d=+0.000 | Chg30d=+0.029 | Revisions Net=+1 | Analysts=1
EPS next Year (2027-03-31): EPS=1.65 | Chg7d=+0.000 | Chg30d=+0.004 | Revisions Net=+1 | Growth EPS=+11.5% | Growth Revenue=+96.1%
External Resources
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