SMFG Stock Analysis: Sumitomo Mitsui Financial | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 166.482m USD | 12M Return: 66.1% | US86562M2098 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 34.7M
EPS Trend: 69.4%
Qual. Beats: 0
Rev. Trend: 95.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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: 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 (4066b): -2.93 < 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 September 18, 2026, the stock is trading at USD 26.72 with a total of 896,457 shares traded. Over the past week, the price has changed by +0.64%, over one month by +1.83%, over three months by +8.88% and over the past year by +66.13%.
Current recommended Stop Loss: 25.70 (which is 3.8% or 1.9 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 | 8% |
Market Cap JPY = 25983b (166b USD * 156.07 USD.JPY)
P/E Trailing = 15.3743
P/E Forward = 15.015
P/S = 0.0353
P/B = 1.6162
P/EG = 2.2067
Revenue TTM = 15855b JPY
EBIT TTM = 3758b JPY
EBITDA TTM = 4066b 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 = 14078b JPY (25983b + Debt 59127b - CCE 71032b)
Interest Coverage Ratio = 0.55 (Ebit TTM 3758b / Interest Expense TTM 6834b)
EV/FCF = 1.92x (Enterprise Value 14078b / FCF TTM 7343b)
FCF Yield = 52.16% (FCF TTM 7343b / Enterprise Value 14078b)
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 14078b / 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 = -2.93 (Net Debt -11905b / EBITDA 4066b)
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 = 8.49% (E(25983b)/V(85110b) * Re(9.18%) + D(59127b)/V(85110b) * Rd(11.56%) * (1-Tc(0.29)))
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 66.64 | Cagr: 22.96%
[DCF] Terminal Value 77.51% ; FCFF base≈6247b ; Y1≈7161b ; Y5≈10539b
[DCF] Fair Price = 26.3k (EV 154692b - Net Debt -11905b = Equity 166596b / Shares 6.33b; r=8.49% [WACC]; 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=+5.32% | Revisions=+25% | Analysts=1
EPS next Quarter (2026-12-31): EPS=0.50 | Chg30d=-12.80% | Revisions=-25% | Analysts=1
EPS current Year (2027-03-31): EPS=1.81 | Chg30d=+3.61% | Revisions=+25% | GrowthEPS=+15.2% | GrowthRev=+102.0%
EPS next Year (2028-03-31): EPS=2.03 | Chg30d=N/A | Revisions=+0% | GrowthEPS=+12.3% | GrowthRev=+91.8%