SMFG Stock Analysis: Sumitomo Mitsui Financial | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 158.123m USD | 12M Return: 62.4% | US86562M2098 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 36.6M
EPS Trend: 69.4%
Qual. Beats: 0
Rev. Trend: 95.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Sumitomo Mitsui Financial Group (SMFG) is one of Japans three largest megabank groups, alongside Mitsubishi UFJ Financial Group and Mizuho Financial Group, forming the core of the countrys banking system. Headquartered in Tokyo and incorporated in 2002, SMFG operates through four main segments: Wholesale Banking, Retail Banking, Global Business, and Global Markets, offering a comprehensive suite of financial services including lending, deposits, securities, leasing, consumer finance, credit cards, trade finance, and advisory services. The group serves clients across Japan and internationally in the Americas, Europe, the Middle East, Asia, and Oceania, with its core commercial banking subsidiary being Sumitomo Mitsui Banking Corporation (SMBC). As a large-cap diversified bank listed on the NYSE under the ticker SMFG, the company benefits from a stable domestic deposit base and a broad international footprint that supports cross-border corporate banking, project finance, and securities activities for institutional and retail clients alike.
- BOJ rate hikes expand net interest margins
- Overseas loan growth boosts Global Business Unit revenue
- Share buybacks accelerate on improved profitability outlook
| Net Income: 2649b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.72 > 1.0 |
| NWC/Revenue: 245.5% < 20% (prev -1.45k%; Δ 1.69k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 7539b > Net Income 2649b |
| Net Debt (-11905b) to EBITDA (4049b): -2.94 < 3 |
| Current Ratio: 2.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.35b) vs 12m ago 63.88% < -2% |
| Gross Margin: 55.42% > 18% (prev 49.36%; Δ 6.06% > 0.5%) |
| Asset Turnover: 5.08% > 50% (prev 3.20%; Δ 1.88% > 0%) |
| Interest Coverage Ratio: 0.55 > 6 (EBIT TTM 3758b / Interest Expense TTM 6834b) |
| A: 0.12 (Total Current Assets 71032b - Total Current Liabilities 32103b) / Total Assets 325308b |
| B: 0.03 (Retained Earnings 9011b / Total Assets 325308b) |
| C: 0.01 (EBIT TTM 3758b / Avg Total Assets 312114b) |
| D: 0.05 (Book Value of Equity 15993b / Total Liabilities 309174b) |
| Altman-Z'' = 1.01 = BB |
| DSRI: 0.54 (Receivables 4290b/4787b, Revenue 15855b/9560b) |
| GMI: 0.89 (GM 49.36% / 55.42%) |
| AQI: 1.11 (AQ_t 0.78 / AQ_t-1 0.70) |
| SGI: 1.66 (Revenue 15855b / 9560b) |
| TATA: -0.02 (NI 2649b - CFO 7539b) / TA 325308b) |
| Beneish M = -2.97 (Cap -4..+1) = A |
As of October 18, 2026, the stock is trading at USD 24.75 with a total of 1,488,411 shares traded. Over the past week, the price has changed by -1.51%, over one month by -5.83%, over three months by +0.85% and over the past year by +62.40%.
Current recommended Stop Loss: 24.00 (which is 3% or 1.4 ATR below the current price).
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 | 31.5 | 27.3% |
Market Cap JPY = 24982b (158b USD * 157.99 USD.JPY)
P/E Trailing = 14.5723
P/E Forward = 15.1745
P/S = 0.0335
P/B = 1.6488
P/EG = 2.2316
Revenue TTM = 15855b JPY
EBIT TTM = 3758b JPY
EBITDA TTM = 4049b JPY
Long Term Debt = 26119b JPY (from longTermDebt, last quarter)
Short Term Debt = 32103b JPY (from shortTermDebt, last quarter)
Debt = 59127b JPY (from shortLongTermDebtTotal, last quarter) + Leases 361b
Net Debt = -11905b JPY (calculated: Debt 59127b - CCE 71032b)
Enterprise Value = 13077b JPY (24982b + Debt 59127b - CCE 71032b)
Interest Coverage Ratio = 0.55 (Ebit TTM 3758b / Interest Expense TTM 6834b)
EV/FCF = 1.78x (Enterprise Value 13077b / FCF TTM 7343b)
FCF Yield = 56.15% (FCF TTM 7343b / Enterprise Value 13077b)
FCF Margin = 46.31% (FCF TTM 7343b / Revenue TTM 15855b)
Net Margin = 16.71% (Net Income TTM 2649b / Revenue TTM 15855b)
Gross Margin = 55.42% ((Revenue TTM 15855b - Cost of Revenue TTM 7068b) / Revenue TTM)
Gross Margin QoQ = 57.80% (prev 54.61%)
Tobins Q-Ratio = 0.04 (Enterprise Value 13077b / Total Assets 325308b)
Interest Expense / Debt = 11.56% (Interest Expense 6834b / Debt 59127b)
Taxrate = 29.13% (1093b / 3753b)
NOPAT = 2663b (EBIT 3758b * (1 - 29.13%))
Current Ratio = 2.21 (Total Current Assets 71032b / Total Current Liabilities 32103b)
Debt / Equity = 3.70 (Debt 59127b / totalStockholderEquity, last quarter 15993b)
Debt / EBITDA = -2.94 (Net Debt -11905b / EBITDA 4049b)
Debt / FCF = -1.62 (Net Debt -11905b / FCF TTM 7343b)
Total Stockholder Equity = 15666b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.85% (Net Income 2649b / Total Assets 325308b)
RoE = 16.91% (Net Income TTM 2649b / Total Stockholder Equity 15666b)
RoCE = 8.99% (EBIT 3758b / Capital Employed (Equity 15666b + L.T.Debt 26119b))
RoIC = 0.82% (NOPAT 2663b / Invested Capital 324515b)
WACC = 8.30% (E(24982b)/V(84109b) * Re(8.54%) + D(59127b)/V(84109b) * Rd(11.56%) * (1-Tc(0.29)))
Discount Rate = 8.54% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 66.64 | Cagr: 22.96%
[DCF] Terminal Value 77.97% ; FCFF base≈6247b ; Y1≈7161b ; Y5≈10539b
[DCF] Fair Price = 27.2k (EV 158590b - Net Debt -11905b = Equity 170495b / Shares 6.27b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 69.37 | EPS CAGR: 29.45% | SUE: 0.38 | # QB: 0
Revenue Correlation: 95.58 | Revenue CAGR: 66.84% | SUE: 0.61 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.49 | Chg30d=+0.14% | Revisions=+25% | Analysts=1
EPS next Quarter (2026-12-31): EPS=0.49 | Chg30d=-1.83% | Revisions=-25% | Analysts=1
EPS current Year (2027-03-31): EPS=1.92 | Chg30d=+6.25% | Revisions=+25% | GrowthEPS=+22.4% | GrowthRev=+107.7%
EPS next Year (2028-03-31): EPS=2.19 | Chg30d=+7.89% | Revisions=+25% | GrowthEPS=+14.0% | GrowthRev=+103.5%