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SMFG stock logo

SMFG

Sumitomo Mitsui Financial Group, Inc.

$23.42
0.35
 (1.52%)
Exchange:  NYSE
Market Cap:  89.372B
Shares Outstanding:  1.492B
Delayed data
Calculate SMFG Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Diversified
   
CEO:  Toru Nakashima
Full Time Employees:  120000
Address: 
1-2, Marunouchi 1-chome
Tokyo
100-0005
JP
Website:  https://www.smfg.co.jp
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 East, Asia, and Oceania. The group provides a comprehensive suite of services including commercial banking, leasing, securities trading, consumer finance, and various other specialized financial offerings. SMFG is structured into four primary business segments: Wholesale Business Unit: This segment caters to corporate clients of all scales—large, medium, and small—delivering vital services such as funding, investment portfolio management, risk mitigation, and settlement solutions. It also offers expert advisory services for mergers, acquisitions, and other corporate financial strategies, alongside a diverse range of leasing options (including equipment, operating, and leveraged leases), and cutting-edge digital services like robotic process automation and electronic contracting. Retail Business Unit: Dedicated to high-net-worth customers, this unit provides personalized wealth management, efficient payment and settlement services, consumer lending, home financing, and sophisticated business and asset succession planning. Global Business Unit: Focusing on an international clientele, this division offers a robust portfolio of services including loans, deposit accounts, clearing services, trade finance, project finance, syndicated loans, derivative products, and advanced cash management. It also encompasses underwriting services and specialized leasing for sectors like construction machinery, transportation equipment, industrial machinery, medical devices, and aircraft. Global Markets Business Unit: This segment is focused on delivering market-based solutions through foreign exchange products, derivatives, bonds, equities, and other tradable financial instruments. Additionally, it plays a key role in the company’s asset liability management strategies. Beyond these core divisions, Sumitomo Mitsui Financial Group also provides services such as credit card issuance, internet banking platforms, system development and engineering, data processing, management consulting, economic research, and investment advisory and trust management services.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202420252026
Revenue8,766,237,0009,656,623,00010,822,885,578
Gross Profit4,159,371,0004,721,765,0005,872,601,951
EBITDA1,635,418,0001,980,723,0002,696,160,334
Operating Income1,342,349,0001,699,943,0002,387,521,685
Net Income962,946,0001,177,996,0001,678,439,752

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(* All numbers are in thousands)

Balance Sheet

Year202420252026
Total Assets295,236,701,000306,282,015,000329,935,952,908
Total Liabilities280,436,734,000291,440,508,000313,933,692,139
Total Stockholders Equity14,661,042,00014,704,201,00015,854,518,754
Total Debt34,255,768,00058,297,696,00058,661,586,415
Cash and Cash Equivalents78,143,100,00075,590,583,00074,053,627,990

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(* All numbers are in thousands)

Cash Flow Statement

Year202420252026
Operating Cash Flow4,859,784,0004,969,423,0007,539,001,907
Capital Expenditure-391,881,000-366,965,000-196,270,404
Free Cash Flow4,467,903,0004,602,458,0007,342,731,504
Net Income962,947,0001,177,996,0001,678,439,752
Net Change in Cash516,082,000-192,656,0000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)15,630,539,598.037Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)18,687,501,840.727Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)16,993,126,360.508Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)3,704,982,406.008Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)4,429,588,952.952Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)4,027,962,937.163Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)2,401,993,631.835Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)3,029,098,662.695Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)2,681,514,586.763Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)3,913,971,616.997Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)4,679,451,489.082Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)4,255,170,708.721Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)418.640Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)472.900Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)375Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
62.056B  ?P/S
 (TTM)
: 
2.36
?Net Income
 (TTM)
: 
6.659B  ?P/E
 (TTM)
: 
14.88
?Enterprise Value
 (TTM)
: 
8.454T  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0
?Net Debt
 (TTM)
: 
-90371697633  ?Debt/Equity
 (TTM)
: 
3.7
?P/B
 (TTM)
: 
1.49  ?Current Ratio
 (TTM)
: 
2.25

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
14.84Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about SMFG valuation

Is Sumitomo Mitsui Financial Group, Inc. (SMFG) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Sumitomo Mitsui Financial Group, Inc. (SMFG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is SMFG a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SMFG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is SMFG’s P/E ratio?

You can see SMFG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for SMFG?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is SMFG a good long-term investment?

Whether SMFG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

SMFG

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.52
MARKETSnap

Trading Metrics:

Open: 23.34   Previous Close: 23.07
Day Low: 23.24   Day High: 23.42
Year Low: 14.4   Year High: 24.34
Price Avg 50: 21.5   Price Avg 200: 19.38
Volume: 252372   Average Volume: 2.137M

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Relevant news

ABC Arbitrage SA Invests $1.55 Million in Sumitomo Mitsui Financial Group Inc $SMFG
11-02-2026 03:34
ABC Arbitrage SA Invests $1.55 Million in Sumitomo Mitsui Financial Group Inc $SMFG

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