(SMFG) Sumitomo Mitsui Financial - Overview
Stock: Banking, Leasing, Securities, Consumer Finance, Trade Finance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.26% |
| Yield on Cost 5y | 9.28% |
| Yield CAGR 5y | 10.15% |
| Payout Consistency | 83.7% |
| Payout Ratio | 0.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 45.9% |
| Relative Tail Risk | -6.88% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.47 |
| Alpha | 42.16 |
| Character TTM | |
|---|---|
| Beta | 1.056 |
| Beta Downside | 1.452 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.67% |
| CAGR/Max DD | 1.69 |
Description: SMFG Sumitomo Mitsui Financial January 27, 2026
Sumitomo Mitsui Financial Group (SMFG) is a Japanese diversified banking group that operates through four business units: Wholesale, Retail, Global, and Global Markets. The Wholesale unit focuses on corporate lending, syndicated and structured finance, trade and supply-chain services, and risk-hedging products. The Retail unit offers wealth-management, deposit, credit-card, consumer-finance, and housing-loan services to individuals. The Global unit provides cross-border financing, leasing, and securities underwriting, while the Global Markets unit handles asset-liability management, foreign-currency funding, and sales-trading activities.
In its most recent FY2023 results (ended March 2023), SMFG reported net profit of ¥1.20 trillion, a return on equity (ROE) of 9.5 %, and a net interest margin (NIM) of 0.44 %. The loan portfolio grew 3 % year-over-year, driven primarily by a rebound in corporate lending as Japanese interest rates rose after the Bank of Japan’s policy shift.
Key macro-economic drivers for SMFG include the BOJ’s gradual rate hikes, which are compressing NIM but improving net interest income on new loan issuance, and the persistent yen depreciation that boosts the overseas earnings of its Global Business Unit. Additionally, Japan’s aging population continues to pressure retail deposit growth, prompting the firm to expand its wealth-management and digital-banking platforms.
For a deeper quantitative dive into SMFG’s valuation sensitivities and scenario analysis, you might explore the data sets available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 2367.88b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.37 > 1.0 |
| NWC/Revenue: -1110 % < 20% (prev -2047 %; Δ 937.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 4969.42b > Net Income 2367.88b |
| Net Debt (-8329.85b) to EBITDA (3262.03b): -2.55 < 3 |
| Current Ratio: 0.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.85b) vs 12m ago -2.26% < -2% |
| Gross Margin: 52.87% > 18% (prev 0.33%; Δ 5254 % > 0.5%) |
| Asset Turnover: 4.85% > 50% (prev 2.39%; Δ 2.46% > 0%) |
| Interest Coverage Ratio: 0.49 > 6 (EBITDA TTM 3262.03b / Interest Expense TTM 6675.48b) |
Altman Z'' -3.28
| A: -0.53 (Total Current Assets 69476.91b - Total Current Liabilities 238342.01b) / Total Assets 316731.79b |
| B: 0.03 (Retained Earnings 8822.02b / Total Assets 316731.79b) |
| C: 0.01 (EBIT TTM 3262.03b / Avg Total Assets 313792.32b) |
| D: 0.05 (Book Value of Equity 15191.50b / Total Liabilities 300945.08b) |
| Altman-Z'' Score: -3.28 = D |
Beneish M -3.07
| DSRI: 0.45 (Receivables 216.86b/233.51b, Revenue 15213.90b/7427.59b) |
| GMI: 0.61 (GM 52.87% / 32.51%) |
| AQI: 1.03 (AQ_t 0.78 / AQ_t-1 0.76) |
| SGI: 2.05 (Revenue 15213.90b / 7427.59b) |
| TATA: -0.01 (NI 2367.88b - CFO 4969.42b) / TA 316731.79b) |
| Beneish M-Score: -3.07 (Cap -4..+1) = AA |
What is the price of SMFG shares?
Over the past week, the price has changed by +9.77%, over one month by +15.14%, over three months by +40.83% and over the past year by +57.93%.
Is SMFG a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the SMFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 23.5 | 1.9% |
| Analysts Target Price | 23.5 | 1.9% |
| ValueRay Target Price | 33.2 | 44.1% |
SMFG Fundamental Data Overview February 07, 2026
P/E Trailing = 14.8194
P/E Forward = 12.0919
P/S = 0.0366
P/B = 1.3691
P/EG = 0.8953
Revenue TTM = 15213.90b JPY
EBIT TTM = 3262.03b JPY
EBITDA TTM = 3262.03b JPY
Long Term Debt = 24773.85b JPY (from longTermDebt, last quarter)
Short Term Debt = 35212.87b JPY (from shortTermDebt, last quarter)
Debt = 60930.20b JPY (from shortLongTermDebtTotal, last quarter)
Net Debt = -8329.85b JPY (from netDebt column, last quarter)
Enterprise Value = 12970.67b JPY (21300.52b + Debt 60930.20b - CCE 69260.05b)
Interest Coverage Ratio = 0.49 (Ebit TTM 3262.03b / Interest Expense TTM 6675.48b)
EV/FCF = 2.82x (Enterprise Value 12970.67b / FCF TTM 4602.46b)
FCF Yield = 35.48% (FCF TTM 4602.46b / Enterprise Value 12970.67b)
FCF Margin = 30.25% (FCF TTM 4602.46b / Revenue TTM 15213.90b)
Net Margin = 15.56% (Net Income TTM 2367.88b / Revenue TTM 15213.90b)
Gross Margin = 52.87% ((Revenue TTM 15213.90b - Cost of Revenue TTM 7171.01b) / Revenue TTM)
Gross Margin QoQ = 54.59% (prev 56.23%)
Tobins Q-Ratio = 0.04 (Enterprise Value 12970.67b / Total Assets 316731.79b)
Interest Expense / Debt = 5.55% (Interest Expense 3384.46b / Debt 60930.20b)
Taxrate = 26.49% (501.87b / 1894.22b)
NOPAT = 2397.76b (EBIT 3262.03b * (1 - 26.49%))
Current Ratio = 0.29 (Total Current Assets 69476.91b / Total Current Liabilities 238342.01b)
Debt / Equity = 3.89 (Debt 60930.20b / totalStockholderEquity, last quarter 15651.82b)
Debt / EBITDA = -2.55 (Net Debt -8329.85b / EBITDA 3262.03b)
Debt / FCF = -1.81 (Net Debt -8329.85b / FCF TTM 4602.46b)
Total Stockholder Equity = 14998.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.75% (Net Income 2367.88b / Total Assets 316731.79b)
RoE = 15.79% (Net Income TTM 2367.88b / Total Stockholder Equity 14998.75b)
RoCE = 8.20% (EBIT 3262.03b / Capital Employed (Equity 14998.75b + L.T.Debt 24773.85b))
RoIC = 5.12% (NOPAT 2397.76b / Invested Capital 46846.01b)
WACC = 5.57% (E(21300.52b)/V(82230.72b) * Re(9.81%) + D(60930.20b)/V(82230.72b) * Rd(5.55%) * (1-Tc(0.26)))
Discount Rate = 9.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.81%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈2861.87b ; Y1≈1878.65b ; Y5≈857.17b
Fair Price DCF = 5603 (EV 27311.84b - Net Debt -8329.85b = Equity 35641.69b / Shares 6.36b; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 33.22 | EPS CAGR: 51.21% | SUE: 0.00 | # QB: 0
Revenue Correlation: 75.48 | Revenue CAGR: 72.35% | SUE: 2.39 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.45 | Chg30d=+0.029 | Revisions Net=+1 | Analysts=1
EPS next Year (2027-03-31): EPS=1.65 | Chg30d=+0.004 | Revisions Net=+1 | Growth EPS=+11.5% | Growth Revenue=+97.5%