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Company Analysis

Sumitomo Mitsui Financial Group SMFG

A comprehensive view of key metrics, scores, and financial health for Sumitomo Mitsui Financial Group

Overview of Sumitomo Mitsui Financial Group, Inc.

SMFG NYQ
Financial Services Banks - Diversified Large Cap
Sumitomo Mitsui Financial Group, Inc. (SMFG), is a Large Cap company, in the Banks - Diversified industry, last closed at $20.35, about 12316.6% undervalued vs fair value, +47.5% 1Y return, ranked 326/1037 in sector.
Metrics P/E 0.1× Rev Growth 14.3% ROE 8.0% Div Yield 398.60%
$20.35
2.90%
As of April 28, 2026
Previous close • Vol 90d: 33.6%
52-Week Range
Market Cap
$131.75B
Enterprise Value
$-37.51T
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 79%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.smfg.co.jp
HQ Tokyo
Employees 123,000
Fiscal year Mar 31

Next Events

Earnings May 14 Estimated

Fair Value Snapshot

Bear Base Bull
$1401
$2527
$4733
Current: $20.35 +12317% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$6.9T
11.5%%
Interest Expense
$4.6T
Net Interest Income
$2.3T
24.3%%
Total Revenue
$5.1T
14.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.0%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$663.7B
56.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Sumitomo Mitsui Financial Group's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
41
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
46
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 83% Coverage
Trade-Off Triangle Visualization A ternary plot showing SMFG's balance between Growth (47.5%), Profitability (18.6%), and Safety (33.9%). Growth 47% Safety 34% Profitability 19%

Click axes to expand details. Marker shows current allocation.

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Growth

66th percentile vs peers
66
Key Signals
NII Growth YoY 24.3% 96p Asset Growth YoY 3.7% 62p Equity Growth YoY 0.3% 21p
Strengths
  • NII Growth YoY in top 20% of peers (24.3%, 96th percentile)
  • Efficiency Ratio in top 20% of peers (64.8%, 84th percentile)
  • Financial Leverage in top 20% of peers (20.48, 93th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

26th percentile vs peers
26
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Sumitomo Mitsui Financial Group.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$2526.78
- - -
+12316.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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