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Sumitomo Mitsui
(NYSE:SMFG)
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Rating:68Neutral
Price Target:
$29.00
â–²(15.17% Upside)
Action:Downgraded
Date:08/17/26
The score is driven primarily by mid-range fundamentals: improving profitability and equity growth are offset by elevated/variable leverage, volatile cash-flow history, and a sharp recent revenue decline. Technicals add support due to a clear uptrend and positive momentum indicators, while valuation is neutral with a moderate P/E and a modest dividend yield.
Positive Factors
Diversified Banking Model
SMFG's diversified platform serves individuals, SMEs and large corporations across banking and non-banking activities. This broad revenue base can reduce reliance on one customer segment or product and supports cross-selling across domestic and international markets.
Negative Factors
Latest Revenue Contraction
A roughly 29% latest-period revenue decline challenges the durability of the preceding growth trend. If persistent, weaker top-line momentum could constrain operating leverage, fee generation and future profit growth even though current absolute earnings remain solid.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Banking Model
SMFG's diversified platform serves individuals, SMEs and large corporations across banking and non-banking activities. This broad revenue base can reduce reliance on one customer segment or product and supports cross-selling across domestic and international markets.
Read all positive factors
Sumitomo Mitsui (SMFG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$157.84B
Dividend Yield2.64%
Average Volume (3M)1.88M
Price to Earnings (P/E)15.2
Beta (1Y)1.10
Revenue Growth7.19%
EPS Growth41.88%
CountryUS
Employees122,970
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)618.29
Shares Outstanding6,381,906,000
10 Day Avg. Volume1,796,978
30 Day Avg. Volume1,880,154
Financial Highlights & Ratios
PEG Ratio-0.91
Price to Book (P/B)1.27
Price to Sales (P/S)1.85
P/FCF Ratio2.73
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.79
Revenue Forecast (FY)$33.44B
Sumitomo Mitsui Business Overview & Revenue Model
Company Description
Sumitomo Mitsui Financial Group, Inc., established in Tokyo, Japan, in 2002, is a global financial powerhouse offering a wide array of banking and financial services. Its extensive operations reach across Japan, the Americas, Europe, the Middle Ea...
How the Company Makes Money
SMFG makes money primarily by earning interest income and fee-based income across its banking and non-banking financial subsidiaries. (1) Net interest income: Through SMBC and related entities, SMFG takes deposits and other funding and lends to co...
Sumitomo Mitsui Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
63
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 15.85T | 10.82T | 9.66T | 8.77T | 5.78T | 3.80T |
| Gross Profit | 8.79T | 5.87T | 4.72T | 4.16T | 3.51T | 3.15T |
| EBITDA | 3.76T | 2.70T | 1.98T | 1.64T | 1.37T | 1.17T |
| Net Income | 2.65T | 1.68T | 1.18T | 962.95B | 805.84B | 706.63B |
Balance Sheet | ||||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 71.03T | 90.83T | 10.00T> | 10.00T> | 75.91T | 74.79T |
| Total Debt | 58.77T | 58.66T | 58.30T | 34.26T | 46.16T | 32.12T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 15.99T | 15.85T | 14.70T | 14.66T | 12.68T | 12.10T |
Cash Flow | ||||||
| Free Cash Flow | 7.34T | 7.34T | 4.60T | 250.98B | -6.19T | 1.26T |
| Operating Cash Flow | 7.54T | 7.54T | 4.97T | 642.86B | -5.90T | 1.55T |
| Investing Cash Flow | -21.91T | -21.91T | -4.51T | -918.90B | 5.93T | -2.41T |
| Financing Cash Flow | 6.83T | 6.83T | -480.15B | 280.69B | -357.78B | -485.34B |
Sumitomo Mitsui Technical Analysis
Positive
25.18
Price Trends
25.25
Positive
23.57
Positive
21.77
Positive
Market Momentum
-0.03
Positive
50.74
Neutral
41.51
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SMFG, the sentiment is Positive. The current price of 25.18 is below the 20-day moving average (MA) of 25.48, below the 50-day MA of 25.25, and above the 200-day MA of 21.77, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 50.74 is Neutral, neither overbought nor oversold. The STOCH value of 41.51 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SMFG.
Sumitomo Mitsui Risk Analysis
Sumitomo Mitsui disclosed 30 risk factors in its most recent earnings report. Sumitomo Mitsui reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Sumitomo Mitsui Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $948.15B | 15.33 | 17.81% | 1.70% | 8.20% | 19.76% | |
76 Outperform | $436.56B | 14.11 | 11.13% | 1.80% | -1.71% | 27.92% | |
72 Outperform | $354.08B | 14.68 | 12.98% | 3.62% | -5.19% | 39.48% | |
68 Neutral | $157.84B | 15.16 | 10.89% | 2.56% | 7.19% | 41.88% | |
68 Neutral | $247.74B | 15.08 | 11.49% | 2.65% | 7.56% | 43.28% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $223.52B | 14.16 | 8.39% | 1.82% | 3.91% | 37.25% |
* Financial Sector Average
SMFG
Sumitomo Mitsui
25.42
8.89
53.78%
BAC
Bank of America
62.23
12.82
25.94%
C
Citigroup
133.56
38.75
40.87%
HSBC
HSBC Holdings
103.65
41.67
67.24%
JPM
JPMorgan Chase
356.50
61.08
20.68%
MUFG
Mitsubishi UFJ
22.44
7.04
45.71%
Sumitomo Mitsui Corporate Events
Sumitomo Mitsui Financial Group Details New Senior Callable U.S. Dollar Notes in July SEC Filing
Jul 7, 2026
Sumitomo Mitsui Financial Group, Inc., the Japanese banking and financial services group, has filed a Form 6-K for July 2026 with the U.S. Securities and Exchange Commission, detailing documentation tied to its shelf registration on Form F-3. The ...
Sumitomo Mitsui Financial Group Approves Dividend, Two-for-One Stock Split and Board Slate at 24th AGM
Jun 26, 2026
Sumitomo Mitsui Financial Group held its 24th Ordinary General Meeting of Shareholders on June 26, 2026, reporting business and financial results for the fiscal year from April 1, 2025 to March 31, 2026. The consolidated and non-consolidated finan...
Sumitomo Mitsui Files June 2026 Form 6-K with Audited Japanese GAAP Results
Jun 25, 2026
Sumitomo Mitsui Financial Group, Inc. has filed a Form 6-K for June 2026 with the U.S. Securities and Exchange Commission, incorporating its latest Japanese GAAP consolidated financial statements into an existing shelf registration on Form F-3. Th...
Sumitomo Mitsui Financial Group Calls 24th Ordinary General Meeting for June 26, 2026
May 29, 2026
Sumitomo Mitsui Financial Group, Inc., the Japanese banking and financial services group, has issued notice convening its 24th Ordinary General Meeting of Shareholders. The meeting will be held at the company’s head office in Tokyo at 10:00 ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.