SMFG Stock Analysis: Sumitomo Mitsui Financial | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 158.516m USD | 12M Return: 74.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 49.1M
EPS Trend: 59.3%
Qual. Beats: 0
Rev. Trend: 90.4%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 10.5 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, Inc. (SMFG) is a Tokyo-based Japanese financial holding company that provides banking, leasing, securities, and consumer finance services across Japan and international markets including the Americas, Europe, the Middle East, Asia, and Oceania. The company is organized into four operating segments: Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit.
The Wholesale segment serves corporate clients with lending products (bilateral and syndicated loans, project finance, structured finance), deposits, advisory services, and leasing. The Retail segment provides wealth management products, credit cards, consumer finance, and housing loans to individuals. The Global segment supports cross-border corporate and institutional clients with loans, trade finance, capital markets services, and equipment leasing, while the Global Markets segment handles asset-liability management and trading operations.
SMFG is one of Japans three major banking groups (commonly referred to as megabanks), operating under a holding company structure that consolidates banking, securities, and leasing subsidiaries under a single corporate parent. The group was incorporated in 2002, though its predecessor banking operations trace back to its 1949 listing, and it is classified as a Large Cap stock in the Diversified Banks sub-industry within the Financials sector.
- BoJ rate hikes lift net interest margins
- Asian corporate loan demand expands wholesale unit revenue
- Retail wealth management fees grow on investment trust sales
| Net Income: 2518b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.72 > 1.0 |
| NWC/Revenue: -966.3% < 20% (prev -1.51k%; Δ 543.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 7539b > Net Income 2518b |
| Net Debt (-15031b) to EBITDA (3847b): -3.91 < 3 |
| Current Ratio: 0.38 > 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: -0.45 (Total Current Assets 90828b - 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'' = -2.75 = D |
| DSRI: 3.0 (Receivables 6248b/231b, Revenue 15422b/8430b) |
| GMI: 0.77 (GM 41.46% / 54.15%) |
| AQI: 1.10 (AQ_t 0.72 / AQ_t-1 0.66) |
| SGI: 1.83 (Revenue 15422b / 8430b) |
| TATA: -0.02 (NI 2518b - CFO 7539b) / TA 329936b) |
| Beneish M = -0.94 (Cap -4..+1) = D |
As of July 20, 2026, the stock is trading at USD 24.95 with a total of 1,796,846 shares traded. Over the past week, the price has changed by -3.07%, over one month by -0.32%, over three months by +17.63% and over the past year by +74.80%.
Current recommended Stop Loss: 24.20 (which is 3% or 1.5 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 | 28.9 | 15.7% |
Market Cap JPY = 25748b (159b USD * 162.43 USD.JPY)
P/E Trailing = 16.9728
P/E Forward = 15.1286
P/S = 0.0362
P/B = 1.6831
P/EG = 2.2264
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 = 10716b JPY (25748b + Debt 59022b - CCE 74054b)
Interest Coverage Ratio = 0.52 (Ebit TTM 3539b / Interest Expense TTM 6761b)
EV/FCF = 1.46x (Enterprise Value 10716b / FCF TTM 7343b)
FCF Yield = 68.52% (FCF TTM 7343b / Enterprise Value 10716b)
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 10716b / 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 = 0.38 (Total Current Assets 90828b / 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 = 8.87% (E(25748b)/V(84770b) * Re(10.43%) + D(59022b)/V(84770b) * Rd(11.46%) * (1-Tc(0.29)))
Discount Rate = 10.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -84.97 | Cagr: -2.63%
[DCF] Terminal Value 76.30% ; FCFF base≈6247b ; Y1≈7161b ; Y5≈10539b
[DCF] Fair Price = 25.2k (EV 145295b - Net Debt -15031b = Equity 160327b / Shares 6.35b; r=8.87% [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=0.44 | Chg30d=-4.60% | Revisions=+25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.49 | Chg30d=+5.49% | Revisions=+25% | Analysts=1
EPS current Year (2027-03-31): EPS=1.81 | Chg30d=+3.76% | Revisions=+25% | GrowthEPS=+15.4% | GrowthRev=+98.3%
EPS next Year (2028-03-31): EPS=2.03 | Chg30d=N/A | Revisions=+0% | GrowthEPS=+12.3% | GrowthRev=+86.6%