Sumitomo Mitsui Financial (SMFG) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Sumitomo Mitsui Financial

NYSE•Financial Services•Banks - Diversified

$27.30-0.26(-0.01%)Market closed

Market Cap

$173.36B

P/E

0.1x

P/S

0.0x

P/B

0.0x

Sumitomo Mitsui Financial Group, Inc., together with its subsidiaries, provides banking, leasing, securities, consumer finance, and other services in Japan, the Americas, Europe, the Middle East, Asia, and Oceania. It operates through Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit segments. The Wholesale Business Unit segment offers bilateral loans, syndicated loans, commitment lines, structured finance, project finance, and nonrecourse loans; deposits and investment trusts; risk hedging services, including forward exchange contracts and derivatives; stand-by credit, and performance bond and credit guarantee services; remittance, cash management, trade finance, and supply chain finance services; merger and acquisition, and other advisory services; digital services; and equipment, operating and leveraged leasing services. The Retail Business Unit segment provides wealth management services, such as time deposits and foreign currency deposits, investment trusts, equities, bonds, insurance products, and trust services; credit card, installment, and transaction services; and consumer finance and housing loans. The Global Business Unit segment offers loans, deposits, clearing, trade finance, project finance, loan syndication, derivatives, and global cash management services; equity and fixed income sales and trading, and underwriting services; and construction machinery, transportation equipment, industrial machinery, medical equipment, and other leasing services. The Global Markets Business Unit segment provides asset liability management and portfolio management, foreign currency funding, and sales and trading services. The company offers system development, data processing, management consulting, economic research, and asset management services. Sumitomo Mitsui Financial Group, Inc. was incorporated in 2002 and is headquartered in Tokyo, Japan.

How this company scores

GoodMetricSide Score: 66/100

Strongest: Profitability (25/25); weakest: Cash & Earnings Quality (6/25).

Profitability25/25

Growth22/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality6/25

Strengths

Growing revenueStrong marginsHigh ROERising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 0.1x5y range 0.0x – 0.1x

Currently above its 20-quarter median.

P/S · 0.0x5y range 0.0x – 0.0x

Currently above its 20-quarter median.

P/B · 0.0x5y range 0.0x – 0.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

FCF consistently trails net income (avg 4.8x) — earnings may be inflated by non-cash items or aggressive accounting.

Share Dilution

Red Flag

Shares outstanding increased 61.3% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $173.36B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $15.85T
Q. Revenue: $2.75T
TTM EBITDA: $3.76T
TTM Op. Income: $3.76T
Q. Op. Income: $700.62B
TTM Net Income: $2.65T
Q. Net Income: $507.97B
EPS: N/A
Shares Out.: $6.35B

$15.85T in TTM revenue grew 65.9% YoY, reaching $2.75T last quarter. TTM EBITDA of $3.76T and TTM operating income of $3.76T show growth is flowing through to the bottom line. TTM net income of $2.65T means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 25.5%
Op. Margin: 25.5%
Net Margin: 18.5%

Op. margin of 25.5% is up 4.7% YoY — cost efficiency is improving. Net margin at 18.5% Over the past year, operating margin is up 23% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 0.1x
P/S Ratio: 0.0x
P/B Ratio: 0.0x

At 0.1x P/E, the stock trades below typical market levels. P/S of 0.0x and P/B of 0.0x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $325.31T
Cash: $71.03T
Long-Term Debt: $26.12T
Book Value: $15.99T
D/E Ratio: 1.6
Debt/EBITDA: 37.3

With $325.31T in assets and $26.12T in long-term debt, D/E is 1.6and book value is $15.99T — moderate leverage. Across the last 8 quarters, debt/equity has risen for 2 consecutive quarters — a weakening trend.