Sumitomo Mitsui Financial Group, Inc. (SMFG) 10-Year Financial Performance & Capital Metrics

SMFG • • Banking & Credit

Financial ServicesDiversified BanksGlobal Universal BanksJapanese Global Banking Groups

AboutSumitomo 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.Show more

Net Interest Income $2338.22B +24.3%
Total Revenue $9656.62B +10.2%
Net Income $1178B +22.3%
Return on Equity 7.95% +13.9%
Net Interest Margin 0.76% +19.8%
Efficiency Ratio 31.29% -2.6%
ROA 0.39% +15.0%
Equity / Assets 4.85% -3.3%
Book Value per Share 3798.31 +2.4%
Tangible BV/Share 3537.96 +2.1%
Debt/Equity 3.93 +69.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 31.3% efficiency ratio
✓Momentum leader: RS Rating 81 (top 19%)
✓Share count reduced 2.0% through buybacks
✓Trading near 52-week high
✓Trading at only 0.0x book value

✗Weaknesses

✗High debt to equity ratio of 3.9x
✗Weak NIM of 0.8%
✗Thin capital base

Price & Volume

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Growth Metrics

Revenue CAGR

10Y8.68%

5Y17.71%

3Y36.43%

TTM-

Profit (Net Income) CAGR

10Y4.57%

5Y10.85%

3Y18.57%

TTM19.34%

EPS CAGR

10Y5.19%

5Y12.3%

3Y21.03%

TTM21.56%

ROCE

10Y Avg0.75%

5Y Avg0.77%

3Y Avg1.01%

Latest1.89%

Peer Comparison

Japanese Global Banking Groups

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
MUFGMitsubishi UFJ Financial Group, Inc.	211.14B	18.63	0.12	14.13%	14.99%	8.53%		4.11
SMFGSumitomo Mitsui Financial Group, Inc.	136.28B	21.36	0.07	10.16%	12.2%	9.06%	100%	3.93

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	1.42T	1.36T	1.39T	1.33T	1.31T	1.34T	1.53T	1.72T	1.88T	2.34T
NII Growth %	-0.05%	-0.05%	0.02%	-0.04%	-0.02%	0.02%	0.14%	0.12%	0.09%	0.24%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	1.87T	1.9T	2.17T	2.49T	2.49T	1.85T	1.91T	3.78T	6.21T	6.93T
Interest Expense	445.38B	502.34B	775.55B	1.16T	1.18T	517.82B	380B	2.06T	4.33T	4.59T
Loan Loss Provision	-267.62B	-1.35T	-556.6B	-1.16T	170.6B	360.51B	274.4B	210.21B	274B	344.5B
Non-Interest Income+	2.31T	1.45T	2.62T	1.89T	1.79T	1.72T	1.9T	2T	2.55T	2.73T
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	4.18T	3.35T	4.79T	4.38T	4.27T	3.57T	3.8T	5.78T	8.77T	9.66T
Revenue Growth %	-0.01%	-0.2%	0.43%	-0.09%	-0.02%	-0.16%	0.07%	0.52%	0.52%	0.1%
Non-Interest Expense	1.99T	1.94T	2.18T	2.06T	2.03T	2.02T	2.22T	2.41T	2.82T	3.02T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.32T	1.43T	1.78T	890.83B	888.65B	672.24B	929.59B	1.1T	1.34T	1.7T
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.17%	0.09%	0.24%	-0.5%	-0%	-0.24%	0.38%	0.18%	0.22%	0.27%
Pretax Income+	980.17B	880.35B	1.11T	1.12T	888.65B	672.24B	929.59B	1.1T	1.34T	1.7T
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	225.05B	139.77B	270.52B	331.42B	167.68B	156.35B	214.53B	282.15B	373.66B	513.07B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	646.69B	635.8B	734.37B	726.68B	703.88B	512.81B	706.63B	805.84B	962.95B	1.18T
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.14%	-0.02%	0.16%	-0.01%	-0.03%	-0.27%	0.38%	0.14%	0.19%	0.22%
Net Income (Continuing)	755.12B	808.35B	838.33B	792.15B	720.96B	515.89B	715.05B	816.32B	968.69B	1.19T
EPS (Diluted)+	155.98	170.14	171.69	171.47	168.82	123.45	170.05	194.79	239.03	301.48
EPS Growth %	-0.14%	0.09%	0.01%	-0%	-0.02%	-0.27%	0.38%	0.15%	0.23%	0.26%
EPS (Basic)	156.09	170.28	171.82	171.58	168.92	123.51	170.12	194.85	239.10	301.55
Diluted Shares Outstanding	4.1B	4.11B	4.23B	4.2B	4.13B	4.11B	4.11B	4.1B	3.99B	3.91B

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	42.79T	47.33T	53.73T	57.41T	61.77T	72.57T	74.79T	75.91T	78.14T	75.59T
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	0	0	1000K	1000K
Total Investments+	50.85T	50.73T	56.15T	49.19T	132.04T	133.28T	47.63T	47.52T	49.73T	190.9T
Investments Growth %	-0.18%	-0%	0.11%	-0.12%	1.68%	0.01%	-0.64%	-0%	0.05%	2.84%
Long-Term Investments	33.25T	25.13T	36.03T	34.26T	98.99T	102.3T	47.63T	47.52T	9.94T	162.71T
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	339.19B	318.58B	272.2B	193.13B	194.29B	147.51B	320.64B	277.31B	268.83B	230.07B
Intangible Assets	539.08B	627.93B	593.38B	576.1B	559.29B	591.25B	578.18B	620.54B	707.87B	787.25B
PP&E (Net)	2.92T	2.69T	3.48T	1.5T	1.45T	1.46T	1.46T	1.49T	1.35T	1.01T
Other Assets	-125.83B	7.91T	-2.45T	-2.33T	23.54T	-57.05T	-2.76T	-2.74T	191.83T	37.47T
Total Current Assets	149.54T	160.91T	161.1T	54.88T	95.1T	69.66T	72.19T	73.21T	249.49T	104T
Total Non-Current Assets	37.05T	36.88T	37.95T	2.33T	124.76T	2.57T	2.76T	2.74T	205.84T	202.28T
Total Assets+	186.59T	191.15T	199.05T	203.66T	219.86T	242.58T	257.7T	270.43T	295.24T	306.28T
Asset Growth %	0.02%	0.02%	0.04%	0.02%	0.08%	0.1%	0.06%	0.05%	0.09%	0.04%
Return on Assets (ROA)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Accounts Payable	0	0	2.38T	1.35T	2.35T	2.32T	0	0	0	0
Total Debt+	21.09T	25.5T	24.72T	23.57T	43.6T	30.36T	32.12T	46.16T	34.26T	58.3T
Net Debt	-21.7T	-21.83T	-29.01T	-33.84T	-18.17T	-42.21T	-42.67T	-46.53T	-43.89T	-17.29T
Long-Term Debt	15.58T	10T	18.74T	10.37T	24.83T	27.31T	29.13T	24.46T	28.69T	25.44T
Short-Term Debt	0	4.4T	0	0	18.39T	3.05T	3T	21.69T	5.57T	32.86T
Other Liabilities	-16.06T	-10.11T	-19.24T	-10.81T	23.15T	0	-21.18T	-20.61T	41.4T	34.29T
Total Current Liabilities	6.52T	7.58T	5.95T	1.19T	160.31T	6.3T	1.89T	4.92T	190.1T	231.26T
Total Non-Current Liabilities	17.39T	20.58T	21.76T	20.82T	48.77T	27.98T	20.83T	24.76T	90.33T	60.18T
Total Liabilities	176.14T	179.26T	187.44T	192.21T	209.08T	230.69T	245.51T	257.64T	280.44T	291.44T
Total Equity+	10.45T	11.89T	11.61T	11.45T	10.78T	11.9T	12.2T	12.79T	14.8T	14.84T
Equity Growth %	-0.02%	0.14%	-0.02%	-0.01%	-0.06%	0.1%	0.03%	0.05%	0.16%	0%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.06%	0.06%	0.06%	0.06%	0.05%	0.06%	0.06%	0.07%	0.08%
Book Value per Share	2545.44	2891.60	2742.46	2729.46	2612.78	2893.30	2964.91	3123.06	3710.44	3798.31
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	2.34T	2.34T	2.34T	2.34T	2.34T	2.34T	2.34T	2.34T	2.34T	2.35T
Additional Paid-in Capital	757.31B	864.05B	758.22B	739.05B	692B	693.21B	693.66B	694.05B	663.26B	611.42B
Retained Earnings	4.53T	4.61T	5.55T	5.99T	6.34T	6.49T	6.92T	7.42T	7.84T	8.29T
Accumulated OCI	1.46T	2.13T	1.75T	1.71T	1.37T	2.31T	2.16T	2.37T	4.03T	3.49T
Treasury Stock	-175.38B	-12.91B	-12.49B	-16.3B	-13.98B	-13.7B	-13.4B	-151.8B	-167.67B	-38.51B
Preferred Stock	0	552.93B	0	0	0	0	0	0	0	0

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	-1.13T	4.51T	9.34T	4.6T	7.09T	18.8T	1.55T	-5.9T	642.86B	4.97T
Operating CF Growth %	-1.14%	5%	1.07%	-0.51%	0.54%	1.65%	-0.92%	-4.81%	1.11%	6.73%
Net Income	980.17B	979.3B	1.11T	1.12T	888.65B	672.24B	929.59B	1.1T	1.34T	1.18T
Depreciation & Amortization	266.02B	304.26B	306.76B	294.93B	226.73B	227.18B	241.92B	267.93B	293.07B	280.78B
Deferred Taxes	0	0	0	695.24B	969.88B	331.34B	474.29B	420.75B	0	0
Other Non-Cash Items	-597.76B	-965.49B	-725.8B	-842.86B	-912.54B	-1.53T	-1.83T	-1.62T	-267.45B	8.89T
Working Capital Changes	-1.78T	4.2T	8.65T	3.33T	5.91T	19.09T	1.73T	-6.07T	-725.11B	-5.38T
Cash from Investing+	5.24T	581.35B	-3.4T	1.01T	-3.01T	-7.68T	-2.41T	5.93T	-918.9B	-4.51T
Purchase of Investments	-27.01T	-21.22T	-23.73T	-26.62T	-35.54T	-41.81T	-36.94T	-32.36T	-36.6T	-48.63T
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	2.26T	-198.56B	-1.01T	117.52B	9.66B	-4.3B	-227.32B	-190.26B	52.26B	957M
Other Investing	150.14B	171.8B	304.32B	105.54B	19.25B	26.48B	1.18B	186.01B	-258.4B	-257.64B
Cash from Financing+	-55.99B	-166.52B	-350.47B	-632.82B	-1.02T	-562.58B	-485.34B	-357.78B	280.69B	-480.15B
Dividends Paid	-211.95B	-205.08B	-218.57B	-245.59B	-255.77B	-267.12B	-274.06B	-301.6B	-348.01B	-412.12B
Share Repurchases	-191M	-100M	-142M	-70.09B	-100.09B	-61M	-74M	-138.84B	-211.43B	-251.63B
Stock Issued	54M	179.76B	521M	294M	483M	281M	320M	332M	216M	181M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K	-1000K	1000K	1000K
Other Financing	895.92B	4.43T	5.81T	5.05T	-251.08B	-1.14B	-509M	6.64T	-111.74B	-5.96B
Net Change in Cash+	3.96T	4.92T	5.5T	5.14T	2.98T	10.71T	-979.14B	32.18B	516.08B	-192.66B
Exchange Rate Effect	-1000K	-1000K	-1000K	1000K	-1000K	1000K	1000K	1000K	1000K	-1000K
Cash at Beginning	33.6T	37.56T	42.48T	47.98T	53.12T	56.1T	66.81T	65.83T	65.86T	66.38T
Cash at End	37.56T	42.48T	47.98T	53.12T	56.1T	66.81T	65.83T	65.86T	66.38T	66.19T
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	-1.82T	3.87T	8.49T	3.95T	6.84T	18.47T	1.26T	-6.19T	250.98B	4.6T
FCF Growth %	-1.24%	3.13%	1.19%	-0.54%	0.73%	1.7%	-0.93%	-5.93%	1.04%	17.34%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	6.12%	5.69%	6.25%	6.3%	6.33%	4.52%	5.87%	6.45%	6.98%	7.95%
Return on Assets (ROA)	0.35%	0.34%	0.38%	0.36%	0.33%	0.22%	0.28%	0.31%	0.34%	0.39%
Net Interest Margin	0.76%	0.71%	0.7%	0.65%	0.59%	0.55%	0.59%	0.64%	0.64%	0.76%
Efficiency Ratio	47.74%	57.93%	45.48%	46.98%	47.61%	56.55%	58.35%	41.7%	32.13%	31.29%
Equity / Assets	5.6%	6.22%	5.83%	5.62%	4.91%	4.91%	4.73%	4.73%	5.01%	4.85%
Book Value / Share	2.55K	2.89K	2.74K	2.73K	2.61K	2.89K	2.96K	3.12K	3.71K	3.8K
NII Growth	-5.46%	-4.52%	2.33%	-4.23%	-1.84%	2.16%	14.44%	12.42%	9.48%	24.33%
Dividend Payout	32.77%	32.26%	29.76%	33.8%	36.34%	52.09%	38.78%	37.43%	36.14%	34.98%

Frequently Asked Questions

Valuation & Price

Sumitomo Mitsui Financial Group, Inc. (SMFG) has a price-to-earnings (P/E) ratio of 0.1x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Sumitomo Mitsui Financial Group, Inc. (SMFG) grew revenue by 10.2% over the past year. This is steady growth.

Yes, Sumitomo Mitsui Financial Group, Inc. (SMFG) is profitable, generating $1.39T in net income for fiscal year 2025 (12.2% net margin).

Dividend & Returns

Yes, Sumitomo Mitsui Financial Group, Inc. (SMFG) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

Sumitomo Mitsui Financial Group, Inc. (SMFG) has a return on equity (ROE) of 7.9%. This is below average, suggesting room for improvement.

Industry Metrics

Sumitomo Mitsui Financial Group, Inc. (SMFG) has a net interest margin (NIM) of 0.8%. NIM has been under pressure due to interest rate environment.

Sumitomo Mitsui Financial Group, Inc. (SMFG) has an efficiency ratio of 31.3%. This is excellent, indicating strong cost control.

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