(SMFG) Sumitomo Mitsui Financial - NYSE
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 160.295m USD | Total Return: 75.5% in 12m
Avg Turnover: 44.8M
EPS Trend: 59.3%
Qual. Beats: 0
Rev. Trend: 90.4%
Qual. Beats: 2
Warnings
Share dilution 62.7% YoY
Tailwinds
Rs Leader, Idiosyncratic Leader, Tailwind
Sumitomo Mitsui Financial Group (SMFG) is a global financial institution headquartered in Tokyo, providing a comprehensive range of commercial banking, leasing, securities, and consumer finance services. The company operates through four primary segments: Wholesale, Retail, Global, and Global Markets. Its business model integrates traditional lending and deposit-taking with specialized advisory, asset management, and structured finance across major international markets.
As a member of the Japanese megabank trio, SMFG operates within a highly consolidated domestic banking sector characterized by low interest rate environments and a focus on overseas expansion to capture higher yields. The firm’s diversified revenue streams include significant exposure to global infrastructure project finance and equipment leasing, which help mitigate regional economic fluctuations. Detailed performance metrics and valuation trends are available on ValueRay for those conducting further due diligence. The company’s structural reliance on the Global Business Unit highlights its strategic pivot toward emerging markets and international trade finance.
- Bank of Japan monetary policy shifts impact net interest margin expansion
- Global corporate loan demand drives wholesale banking revenue growth trajectory
- Asset quality and credit costs influence bottom line during economic volatility
- Strategic expansion in Southeast Asian markets boosts international segment earnings
- Shareholder return policies and buyback programs dictate valuation multiple rerating
| Net Income: 2518b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.72 > 1.0 |
| NWC/Revenue: -928.3% < 20% (prev -1.51k%; Δ 581.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 7539b > Net Income 2518b |
| Net Debt (-15031b) to EBITDA (3847b): -3.91 < 3 |
| Current Ratio: 0.40 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.30b) vs 12m ago 62.66% < -2% |
| Gross Margin: 54.15% > 18% (prev 41.46%; Δ 12.69% > 0.5%) |
| Asset Turnover: 4.85% > 50% (prev 2.75%; Δ 2.10% > 0%) |
| Interest Coverage Ratio: 0.52 > 6 (EBIT TTM 3539b / Interest Expense TTM 6761b) |
| A: -0.43 (Total Current Assets 96683b - Total Current Liabilities 239854b) / Total Assets 329936b |
| B: 0.03 (Retained Earnings 8910b / Total Assets 329936b) |
| C: 0.01 (EBIT TTM 3539b / Avg Total Assets 318109b) |
| D: 0.05 (Book Value of Equity 15855b / Total Liabilities 313934b) |
| Altman-Z'' = -2.63 = D |
| DSRI: 3.0 (Receivables 6248b/231b, Revenue 15422b/8430b) |
| GMI: 0.77 (GM 41.46% / 54.15%) |
| AQI: 1.07 (AQ_t 0.70 / AQ_t-1 0.66) |
| SGI: 1.83 (Revenue 15422b / 8430b) |
| TATA: -0.02 (NI 2518b - CFO 7539b) / TA 329936b) |
| Beneish M = -0.96 (Cap -4..+1) = D |
As of June 20, 2026, the stock is trading at USD 25.23 with a total of 2,504,400 shares traded.
Over the past week, the price has changed by +5.92%,
over one month by +12.68%,
over three months by +31.17% and
over the past year by +75.46%.
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
| Analysts Target Price | 25.8 | 2.4% |
Market Cap JPY = 25830b (160b USD * 161.14 USD.JPY)
P/E Trailing = 16.3831
P/E Forward = 14.6628
P/S = 0.0265
P/B = 1.6298
P/EG = 2.1548
Revenue TTM = 15422b JPY
EBIT TTM = 3539b JPY
EBITDA TTM = 3847b JPY
Long Term Debt = 25514b JPY (from longTermDebt, last quarter)
Short Term Debt = 32854b JPY (from shortTermDebt, last quarter)
Debt = 59022b JPY (from shortLongTermDebtTotal, last quarter) + Leases 361b
Net Debt = -15031b JPY (calculated: Debt 59022b - CCE 74054b)
Enterprise Value = 10798b JPY (25830b + Debt 59022b - CCE 74054b)
Interest Coverage Ratio = 0.52 (Ebit TTM 3539b / Interest Expense TTM 6761b)
EV/FCF = 1.47x (Enterprise Value 10798b / FCF TTM 7343b)
FCF Yield = 68.00% (FCF TTM 7343b / Enterprise Value 10798b)
FCF Margin = 47.61% (FCF TTM 7343b / Revenue TTM 15422b)
Net Margin = 16.32% (Net Income TTM 2518b / Revenue TTM 15422b)
Gross Margin = 54.15% ((Revenue TTM 15422b - Cost of Revenue TTM 7071b) / Revenue TTM)
Gross Margin QoQ = 54.61% (prev 54.59%)
Tobins Q-Ratio = 0.03 (Enterprise Value 10798b / Total Assets 329936b)
Interest Expense / Debt = 11.46% (Interest Expense 6761b / Debt 59022b)
Taxrate = 28.51% (1007b / 3534b)
NOPAT = 2530b (EBIT 3539b * (1 - 28.51%))
Current Ratio = 0.40 (Total Current Assets 96683b / Total Current Liabilities 239854b)
Debt / Equity = 3.72 (Debt 59022b / totalStockholderEquity, last quarter 15855b)
Debt / EBITDA = -3.91 (Net Debt -15031b / EBITDA 3847b)
Debt / FCF = -2.05 (Net Debt -15031b / FCF TTM 7343b)
Total Stockholder Equity = 15286b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.79% (Net Income 2518b / Total Assets 329936b)
RoE = 16.47% (Net Income TTM 2518b / Total Stockholder Equity 15286b)
RoCE = 8.67% (EBIT 3539b / Capital Employed (Equity 15286b + L.T.Debt 25514b))
RoIC = 0.77% (NOPAT 2530b / Invested Capital 329165b)
WACC = 8.80% (E(25830b)/V(84852b) * Re(10.19%) + D(59022b)/V(84852b) * Rd(11.46%) * (1-Tc(0.29)))
Discount Rate = 10.19% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -51.85 | Cagr: 22.53%
[DCF] Terminal Value 76.53% ; FCFF base≈6247b ; Y1≈7161b ; Y5≈10539b
[DCF] Fair Price = 25.5k (EV 146992b - Net Debt -15031b = Equity 162024b / Shares 6.35b; r=8.80% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 59.30 | EPS CAGR: 21.46% | SUE: 0.50 | # QB: 0
Revenue Correlation: 90.37 | Revenue CAGR: 55.35% | SUE: 2.02 | # QB: 2
EPS current Quarter (2026-06-30): EPS=0.46 | Chg30d=-0.46% | Revisions=+20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.46 | Chg30d=-0.47% | Revisions=+20% | Analysts=1
EPS current Year (2027-03-31): EPS=1.74 | Chg30d=-0.46% | Revisions=+20% | GrowthEPS=+11.2% | GrowthRev=+96.6%
EPS next Year (2028-03-31): EPS=0.00 | Chg30d=N/A | Revisions=N/A | GrowthEPS=+0.0% | GrowthRev=+90.8%