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Sumitomo Mitsui Financial Group Inc

SMFG Financial Banks Diversified

Sumitomo Mitsui Financial Group Inc’s revenue for fiscal 2026 (year ended March 2026) was $56.5 billion, up 11.6% from fiscal 2025.

Revenue
+17.7%
EPS
+85.2%
Free cash flow
−63.8%
Total debt
−13.8%

Quarter to June 2026, against a year earlier

23.47 0.01 −0.04%
Market cap
$148.3B
P/E
8.9×
Fwd P/E
—
Dividend yield
1.24%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.17
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — 1 — — —
Insider Ownership 0.45%

Capital & Financial Ratios $m

Size
Market Cap 148,290.00
Revenue ttm 56,746.97
Net income ttm 8,571.00
Free cash flow ttm (84,750.00)
Net debt Q (551,163.50)
Valuation
P/E 8.86
Forward P/E —
Price / sales 2.63
Forward P/S Powerpack
Price / FCF 0.00
Price / book 1.46
Financial health
Current ratio Q 1.05
Debt / equity Q 1.65
Interest coverage Q —
Growth
Revenue growth Q +17.73% (above 0%: growing)
Operating income growth Q +62.18% (above 0%: growing)
EPS, this year +20.37% (at or above 15%: strong)
EPS, next year A +13.34%
Revenue, next year A —
EPS, past 5 yrs +5.48%
EPS, next 5 yrs A +14.42%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 92.70%
10-year low 10-year high
P/S against its own 10 years 95.16%
10-year low 10-year high
P/B against its own 10 years 96.00%
10-year low 10-year high

Dividends

Yield
1.24%
Annual rate
0.29
Payout ratio
11.0%
Growth, 2018–26
−0.84%/yr
  1. 0.31 ’18
  2. 0.34 ’19 +9
  3. 0.37 ’20 +8
  4. 0.36 ’21 −3
  5. 0.17 ’22 −52
  6. 0.36 ’23 +109
  7. 0.41 ’24 +15
  8. 0.55 ’25 +35
  9. 0.29 ’26 −47
paid change on the year, %

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 702,332 711,645 722,213 720,264
Receivables — — — —
Inventory — — — —
Other — — — —
1,578,996 1,572,230 1,635,662 1,630,008
2024 2025 2026 Q'26
Payables 1,256,472 1,254,150 1,332,741 1,262,210
ST’ Debt — — — —
Other 33,979 31,934 27,262 87,779
1,451,255 1,498,402 1,543,703 1,553,579

Compound Annual Growth %

10y 5y 3y
Sales 3.90% 12.86% 10.97%
Cash Flow 0.00% 0.00% 0.00%
Earnings 3.41% 3.04% 3.62%
Book Value 3.36% 0.90% 6.41%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 0.44 Actual 0.50

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2025 0.40 0.59 Beat by 0.19
Dec 2025 0.40 0.16 Miss by 0.24
Mar 2026 0.11 0.24 Beat by 0.13
Jun 2026 0.44 0.50 Beat by 0.06
Sep 2026 0.24 — Reports 13 November 2026

EPS $

Jun Sep Dec Mar Year
’26 0.50 — — — —
’26 0.40 — — — 1.23
’25 0.36 — — — 0.52
’24 0.27 1.40 — — 0.91
’23 0.28 1.38 1.34 0.22 0.99
’22 0.27 1.65 1.07 0.49 0.67
’21 0.12 1.27 1.16 0.52 0.94
Fiscal quarters ending in the months shown.

Revenue $m

Jun Sep Dec Mar Year
’26 17,339 — — — —
’26 16,354 — — — 56,460
’25 15,631 — — — 50,578
’24 14,728 7,423 — — 53,804
’23 9,123 7,347 7,783 7,525 41,316
’22 8,148 7,989 7,996 8,425 28,135
’21 8,551 7,873 8,084 7,989 30,835
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’26 — — — — (42,643)
’25 — — — — 20,236
’24 — — — — 7,153
’23 — — — — (38,775)
’22 — — — — 45,401
’21 — — — — 172,230
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’26 — — (39,955) — (45,599)
’25 — — 23,113 — 17,940
’24 — — 35,984 — 4,664
’23 — — (100,786) — (40,835)
’22 — — (24,393) — 42,945
’21 — — 90,467 — 169,723
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to March

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Jun ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 33,827 39,686 37,662 28,022 30,835 28,135 41,316 53,804 50,578 56,460 56,747 +5.9% — — — —
Gross margin, % 86.19 83.35 73.67 64.19 87.89 90.39 65.24 48.01 45.16 52.12 60.39 (34.1) pt
EBT 8,187 10,071 7,487 2,601 8,991 6,021 9,338 8,334 4,318 10,263 13,397 +2.5%
EBT margin, % 24.20 25.38 19.88 9.28 29.16 21.40 22.60 15.49 8.54 18.18 23.61 (6.0) pt
Net income 8,187 10,071 7,487 2,601 8,991 6,021 9,338 8,334 4,318 10,263 8,571 +2.5%
Per share, $
Per share, $ Revenue 4.94 5.63 5.39 4.08 4.50 4.11 6.05 8.10 7.77 8.82 8.94 +6.6%
Earnings 0.85 0.94 0.70 0.31 0.94 0.67 0.99 0.91 0.52 1.23 2.66 +4.2%
Cash flow 5.08 14.26 3.59 11.76 25.14 6.62 (5.68) 1.08 3.11 (6.66) 0.00 n/m
Capex (0.63) (0.70) (0.70) (0.28) (0.37) (0.36) (0.30) (0.37) (0.35) (0.46) 0.00 (3.5%)
Free cash flow 4.45 13.56 2.89 11.47 24.77 6.27 (5.98) 0.70 2.76 (7.12) 0.00 n/m
Book value 16.15 15.95 15.16 14.63 16.84 16.60 14.68 16.90 16.71 18.85 16.12 +1.7%
Shares, m 6,846 7,052 6,988 6,876 6,851 6,854 6,824 6,645 6,511 6,404 6,518 (0.7%)
Valuation, ×
Valuation, × P/E 7.88 8.45 6.05 1.99 2.36 1.80 2.49 3.54 6.87 8.13 8.86 5.0
P/S 1.19 1.35 1.12 0.78 1.53 1.33 1.71 2.05 2.24 2.35 2.63 1.6
P/B 0.52 0.57 0.47 0.34 0.47 0.43 0.57 0.81 1.01 1.24 1.46 0.6
EV/Sales (8.41) (7.74) (8.44) (12.31) (18.77) (18.58) (12.97) (11.08) (9.20) (7.75) — (11.5)
EV/FCF (2.35) (2.25) (2.56) (4.59) (2.97) (3.64) 225.47 (326.36) 6.03 4.95 — (10.8)
Cash, $m
Cash, $m Operating cash flow 34,788 100,548 25,073 80,848 172,230 45,401 (38,775) 7,153 20,236 (42,643) (80,421) n/m
Capex (4,347) (4,904) (4,894) (1,957) (2,508) (2,456) (2,060) (2,488) (2,296) (2,956) (4,329) (4.2%)
Free cash flow 30,441 95,644 20,179 78,891 169,723 42,945 (40,835) 4,664 17,940 (45,599) (84,750) n/m
Balance, $m
Balance, $m Working capital 138,541 99,869 144,620 150,923 115,530 102,883 107,787 127,741 73,828 91,959 76,429 (4.5%)
Net debt (355,434) (420,147) (451,615) (481,845) (555,188) (537,740) (489,932) (494,075) (532,883) (543,168) (551,164) +4.8%
Shareholders’ equity 110,552 112,462 105,961 100,601 115,396 113,757 100,174 112,326 108,825 120,707 102,316 +1.0%
Returns, %
Returns, % ROA 0.35 0.39 0.28 0.10 0.31 0.20 0.33 0.31 0.16 0.38 0.49 0.0 pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0 pt
ROE 5.92 6.13 4.47 1.78 5.98 3.88 6.31 5.67 2.85 6.54 9.85 +0.6 pt
People
People Employees 77,200 73,000 86,700 86,400 86,800 101,000 106,000 120,000 123,000 123,000 — +5.3%
Revenue/emp, $m 0.44 0.54 0.43 0.32 0.36 0.28 0.39 0.45 0.41 0.46 — +0.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Mar 2026 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Sumitomo Mitsui Financial Group Inc vs peers in Banks Diversified (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WFC Wells Fargo & Company $254.6B 11.9× 11.4× +4.25% (above 0%: growing) +12.50% (above 0%: growing) +1,120.37% (above 0%: growing) 65.75% 0.00% Compare
MUFG Mitsubishi UFJ Financial Group, Inc. $238.0B 16.5× — +21.62% (above 0%: growing) +32.35% (above 0%: growing) −145.30% (below 0%: shrinking) 61.56% 0.00% Compare
C Citigroup Inc. $198.7B 11.6× 10.8× +4.08% (above 0%: growing) +49.21% (above 0%: growing) +33.24% (above 0%: growing) 52.26% 0.00% Compare
SAN Banco Santander, S.A. $174.7B 9.8× 9.4× −73.32% (below 0%: shrinking) −3.70% (below 0%: shrinking) +381.00% (above 0%: growing) 100.00% 0.00% Compare
SMFG Sumitomo Mitsui Financial Group Inc $148.3B 8.9× — +17.73% (above 0%: growing) +85.19% (above 0%: growing) −63.80% (below 0%: shrinking) 58.44% 0.00%
UBS UBS Group AG $147.8B 15.4× 13.8× −43.47% (below 0%: shrinking) +12.05% (above 0%: growing) −53.01% (below 0%: shrinking) 100.00% 0.00% Compare
BBVA Banco Bilbao Viscaya Argentaria S.A. $139.2B 10.9× 7.7× +18.06% (above 0%: growing) +29.76% (above 0%: growing) −91.70% (below 0%: shrinking) 100.00% 0.00% Compare
BNY BNY $99.3B 16.2× 15.8× −4.67% (below 0%: shrinking) +24.74% (above 0%: growing) +369.64% (above 0%: growing) 57.04% 0.00% Compare
ING ING Group, N.V. $92.8B 13.8× 6.6× +29.83% (above 0%: growing) +14.75% (above 0%: growing) −26.97% (below 0%: shrinking) 100.00% 0.00% Compare
Median of peers $161.2B 12.9× 10.8× +4.17% +19.75% +3.13% 82.88% 0.00%

All 15 Banks Diversified stocks →

Sumitomo Mitsui Financial Group Inc (SMFG) Latest News

29 Sep

Impact 3 · · GuruFocus.com

25 Sep

Impact 4 · · Investing.com

10 Jun

Impact 4 · · cryptoprowl.com

22 Apr

Impact 4 · · Business Wire

8 Apr

Impact 4 ·

25 Mar

Impact 4 · · Zacks

24 Mar

Impact 4 · · Investor's Business Daily

30 Jan

Impact 4 · · Associated Press Finance

14 Nov

Impact 4 · · Zacks
Impact 3 · · Simply Wall St.

12 Nov

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6 Nov

Impact 4 · · GuruFocus.com

4 Nov

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16 Oct

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7 Oct

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6 Oct

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30 Sep

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19 Sep

Impact 4 · · GuruFocus.com
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Impact 4 · · BenzingaMT NewswiresMT Newswires
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Impact 3 · · The Wall Street Journal

14 Sep

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10 Sep

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21 Aug

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1 Aug

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15 Jul

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SMFG metrics, ten years each

stockrow.com/SMFG · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com