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SMFG stock logo

SMFG

Sumitomo Mitsui Financial Group, Inc.

$20.43
-0.27
 (-1.3%)
Exchange:  NYSE
Market Cap:  78.209B
Shares Outstanding:  1.492B
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., together with its subsidiaries, provides commercial banking, leasing, securities, consumer finance, and other services in Japan, the Americas, Europe, the Middle East, Asia, and Oceania. It operates through four segments: Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit. The Wholesale Business Unit segment offers financing, investment management, risk hedging, and settlement services, as well as financial solutions related to mergers and acquisition, and other advisory services primarily for large, mid, and small-sized corporate clients; various leasing services, including equipment, and operating and leveraged leasing; and digital services, such as robotic process automation and electronic contract services. The Retail Business Unit segment offers wealth management, settlement, consumer finance, and housing loan products and services, as well as business and asset succession services to high-net-worth customers. The Global Business Unit segment offers loans, deposits, clearing services, trade finance, project finance, loan syndication, derivatives, and cash management services; underwriting services; and leasing services related to the construction machinery, transportation equipment, industrial machinery, medical equipment, and aircraft leasing. The Global Markets Business Unit segment offers solutions through foreign exchange products, derivatives, bonds, stocks, and other marketable financial products. It also undertakes asset liability management operations. The company also offers credit card, internet banking, system development and engineering, data processing, management consulting and economic research, and investment advisory and investment trust management services. Sumitomo Mitsui Financial Group, Inc. was incorporated in 2002 and is headquartered in Tokyo, Japan.

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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

Year202320242025
Revenue5,781,380,0008,766,237,0009,656,623,000
Gross Profit3,509,258,0004,159,371,0004,721,765,000
EBITDA1,366,400,0001,635,418,0001,980,723,000
Operating Income1,098,472,0001,342,349,0001,699,943,000
Net Income805,842,000962,946,0001,177,996,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets270,428,564,000295,236,701,000306,282,015,000
Total Liabilities257,637,460,000280,436,734,000291,440,508,000
Total Stockholders Equity12,681,609,00014,661,042,00014,704,201,000
Total Debt29,382,844,00034,255,768,00058,297,696,000
Cash and Cash Equivalents75,913,960,00078,143,100,00075,590,583,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow4,859,784,0004,859,784,0004,969,423,000
Capital Expenditure-391,881,000-391,881,000-366,965,000
Free Cash Flow4,467,903,0004,467,903,0004,602,458,000
Net Income962,947,000962,947,0001,177,996,000
Net Change in Cash516,082,000516,082,000-192,656,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)15,330,090,952.023Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)19,421,826,790.167Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)16,954,014,943.440Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)3,642,730,497.790Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)4,615,007,242.472Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)4,028,606,711.319Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,428,796,524.044Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,940,834,484.631Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,632,013,638.836Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)5,203,341,070.670Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)6,592,158,475.837Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)5,754,533,521.298Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)417.670Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)496.710Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)365.660Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)4Full 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)
: 
2.13
?Net Income
 (TTM)
: 
6.659B  ?P/E
 (TTM)
: 
14.79
?Enterprise Value
 (TTM)
: 
9.588T  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
-90371697633  ?Debt/Equity
 (TTM)
: 
3.69
?P/B
 (TTM)
: 
1.36  ?Current Ratio
 (TTM)
: 
0.29

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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
11.92Full 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.


Calculate SMFG Intrinsic Value

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.

-1.3
MARKETSnap

Trading Metrics:

Open: 19.93   Previous Close: 20.7
Day Low: 19.86   Day High: 20.63
Year Low: 11.83   Year High: 24.34
Price Avg 50: 21.15   Price Avg 200: 17.96
Volume: 2.956M   Average Volume: 2.341M

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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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