(SMFG) Sumitomo Mitsui Financial - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 138.955m USD | Total Return: 57.8% in 12m

Commercial Banking, Consumer Finance, Leasing, Securities, Asset Management
Total Rating 53
Safety 38
Buy Signal 0.31
Banks - Diversified
Industry Rotation: +1.6
Market Cap: 139B
Avg Turnover: 44.2M
Risk 3d forecast
Volatility29.3%
VaR 5th Pctl4.99%
VaR vs Median3.59%
Reward TTM
Sharpe Ratio1.63
Rel. Str. IBD76.4
Rel. Str. Peer Group78.3
Character TTM
Beta1.211
Beta Downside1.271
Hurst Exponent0.577
Drawdowns 3y
Max DD25.67%
CAGR/Max DD1.80
CAGR/Mean DD8.63
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, "2026-03": 0.1893,
EPS CAGR: 686.79%
EPS Trend: 77.2%
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, 2026-03: 2514536.446,
Rev. CAGR: 55.35%
Rev. Trend: 90.4%
Last SUE: 2.02
Qual. Beats: 2

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: SMFG Sumitomo Mitsui Financial

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.

Headlines to Watch Out For
  • 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
Piotroski VR‑10 (Strict) 4.5
Net Income: 2517.52b TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.72 > 1.0
NWC/Revenue: 267.1% < 20% (prev -1.51k%; Δ 1.78k% < -1%)
CFO/TA 0.02 > 3% & CFO 7539.00b > Net Income 2517.52b
Net Debt (-15392.04b) to EBITDA (3538.61b): -4.35 < 3
Current Ratio: 2.25 > 1.5 & < 3
Outstanding Shares: last quarter (6.30b) vs 12m ago 62.66% < -2%
Gross Margin: 54.15% > 18% (prev 0.41%; Δ 5.37k% > 0.5%)
Asset Turnover: 4.85% > 50% (prev 2.75%; Δ 2.10% > 0%)
Interest Coverage Ratio: 0.52 > 6 (EBITDA TTM 3538.61b / Interest Expense TTM 6761.47b)
Altman Z'' 1.03
A: 0.12 (Total Current Assets 74053.63b - Total Current Liabilities 32853.81b) / Total Assets 329935.95b
B: 0.03 (Retained Earnings 8909.54b / Total Assets 329935.95b)
C: 0.01 (EBIT TTM 3538.61b / Avg Total Assets 318108.98b)
D: 0.05 (Book Value of Equity 15288.88b / Total Liabilities 313933.69b)
Altman-Z'' Score: 1.03 = BB
What is the price of SMFG shares? As of May 21, 2026, the stock is trading at USD 22.84 with a total of 2,068,486 shares traded.
Over the past week, the price has changed by +2.28%, over one month by +7.69%, over three months by -2.31% and over the past year by +57.84%.
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 25.8 13.1%
Sumitomo Mitsui Financial (SMFG) - Fundamental Data Overview as of 17 May 2026
P/E Trailing = 13.9108
P/E Forward = 12.0337
P/S = 0.0229
P/B = 1.3635
P/EG = 0.8913
Revenue TTM = 15422.45b USD
EBIT TTM = 3538.61b USD
EBITDA TTM = 3538.61b USD
Long Term Debt = 24773.85b USD (from longTermDebt, two quarters ago)
Short Term Debt = 32853.81b USD (from shortTermDebt, last quarter)
Debt = 58661.59b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -15392.04b USD (from netDebt column, last quarter)
Enterprise Value = 138.95b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.52 (Ebit TTM 3538.61b / Interest Expense TTM 6761.47b)
EV/FCF = 0.02x (Enterprise Value 138.95b / FCF TTM 7342.73b)
 FCF Yield = 5.28k% (FCF TTM 7342.73b / Enterprise Value 138.95b)
 FCF Margin = 47.61% (FCF TTM 7342.73b / Revenue TTM 15422.45b)
Net Margin = 16.32% (Net Income TTM 2517.52b / Revenue TTM 15422.45b)
Gross Margin = 54.15% ((Revenue TTM 15422.45b - Cost of Revenue TTM 7070.52b) / Revenue TTM)
Gross Margin QoQ = 54.61% (prev 54.59%)
Tobins Q-Ratio = 0.00 (Enterprise Value 138.95b / Total Assets 329935.95b)
Interest Expense / Debt = 1.95% (Interest Expense 1141.25b / Debt 58661.59b)
Taxrate = 46.17% (168.08b / 364.07b)
NOPAT = 1905.00b (EBIT 3538.61b * (1 - 46.17%))
Current Ratio = 2.25 (Total Current Assets 74053.63b / Total Current Liabilities 32853.81b)
Debt / Equity = 3.70 (Debt 58661.59b / totalStockholderEquity, last quarter 15854.52b)
Debt / EBITDA = -4.35 (Net Debt -15392.04b / EBITDA 3538.61b)
Debt / FCF = -2.10 (Net Debt -15392.04b / FCF TTM 7342.73b)
Total Stockholder Equity = 15286.33b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.79% (Net Income 2517.52b / Total Assets 329935.95b)
RoE = 16.47% (Net Income TTM 2517.52b / Total Stockholder Equity 15286.33b)
RoCE = 8.83% (EBIT 3538.61b / Capital Employed (Equity 15286.33b + L.T.Debt 24773.85b))
RoIC = 4.08% (NOPAT 1905.00b / Invested Capital 46726.42b)
WACC = 1.07% (E(138.95b)/V(58800.54b) * Re(10.24%) + D(58661.59b)/V(58800.54b) * Rd(1.95%) * (1-Tc(0.46)))
Discount Rate = 10.24% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -60.0 | Cagr: -2.63%
[DCF] Terminal Value 80.82% ; FCFF base≈6246.62b ; Y1≈4101.20b ; Y5≈1875.50b
[DCF] Fair Price = 11.8k (EV 59533.31b - Net Debt -15392.04b = Equity 74925.35b / Shares 6.36b; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 77.19 | EPS CAGR: 686.8% | SUE: -0.00 | # 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=+3.36% | Revisions=+20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.47 | Chg30d=+6.00% | Revisions=+20% | Analysts=1
EPS current Year (2027-03-31): EPS=1.75 | Chg30d=+5.82% | Revisions=+20% | GrowthEPS=+11.7% | GrowthRev=+88.3%