Sumitomo Mitsui Financial Group, Inc.(SMFG)Earnings, Financials & Key Ratios
SMFG•NYSE•Banking & Credit
$21.20
$134.86B mkt cap·11.0× P/E·Price updated May 6, 2026
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 Equity7.95%+13.9%
- Net Interest Margin0.76%+19.8%
- Efficiency Ratio31.29%-2.6%
- ROA0.39%+15.0%
- Equity / Assets4.85%-3.3%
- Book Value per Share3798.31+2.4%
- Tangible BV/Share3537.96+2.1%
- Debt/Equity3.93+69.7%
SMFG Key Insights
Sumitomo Mitsui Financial Group, Inc. (SMFG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 31.3% efficiency ratio
- ✓Healthy dividend yield of 3.2%
- ✓Share count reduced 2.0% through buybacks
- ✓Trading at only 0.9x book value
✗Weaknesses
- ✗High debt to equity ratio of 3.9x
- ✗Weak NIM of 0.8%
- ✗Thin capital base
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
SMFG Price & Volume
Sumitomo Mitsui Financial Group, Inc. (SMFG) stock price & volume — 10-year historical chart
Loading chart...
SMFG Growth Metrics
Sumitomo Mitsui Financial Group, Inc. (SMFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.68%
5 Years17.71%
3 Years36.43%
TTM-
Profit CAGR
10 Years4.57%
5 Years10.85%
3 Years18.57%
TTM19.34%
EPS CAGR
10 Years5.19%
5 Years12.3%
3 Years21.03%
TTM21.56%
Return on Capital
10 Years0.75%
5 Years0.77%
3 Years1.01%
Last Year1.89%
SMFG Recent Earnings
Sumitomo Mitsui Financial Group, Inc. (SMFG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 10/12 qtrs (100%)
Q1 2026Latest
Jan 30, 2026EPS
$0.16
Est $0.40
-60.0%
Revenue
$35.9B
Est $7.5B
+381.4%
Q4 2025
Dec 29, 2025EPS
$0.96
Est $0.41
+134.3%
Revenue
$17.7B
Est $7.3B
+143.6%
Q3 2025
Jul 31, 2025EPS
$0.40
Est $0.37
+9.1%
Revenue
$16.0B
Est $7.4B
+115.7%
Q3 2025
Jun 27, 2025EPS
$0.07
Revenue
$15.9B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Jan 30, 2026 | $0.16vs $0.40-60.0% | $35.9Bvs $7.5B+381.4% |
| Q4 2025 | Dec 29, 2025 | $0.96vs $0.41+134.3% | $17.7Bvs $7.3B+143.6% |
| Q3 2025 | Jul 31, 2025 | $0.40vs $0.37+9.1% | $16.0Bvs $7.4B+115.7% |
| Q3 2025 | Jun 27, 2025 | $0.07 | $15.9B |
Based on last 12 quarters of dataView full earnings history →
SMFG Peer Comparison
Sumitomo Mitsui Financial Group, Inc. (SMFG) competitors in Asia-Pacific megabanks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MFG | 104.96B | 8.53 | 19.02 | 9.47% | 10.3% | 9.11% | 5.79 | |
 MUFG | 200.9B | 17.76 | 17.39 | 14.13% | 14.99% | 8.53% | 4.11 | |
 KB | 38.65B | 108.98 | 10.38 | 34.2% | 11.54% | 9.59% | ||
 SHG | 33.83B | 67.89 | 9.52 | 12.42% | 12.67% | 8.48% | 12.58% | 2.77 |
 WF | 17.06B | 70.03 | 7.84 | 9.44% | 11.67% | 8.76% | 26.96% | 2.77 |
 BBAR | 2.95B | 14.44 | 11.63 | -31.12% | 6.93% | 9.12% | 0.13 | |
 JPM | 834.2B | 309.40 | 15.67 | 14.61% | 21.59% | 16.11% | 2.18 | |
 BAC | 404.29B | 53.12 | 13.91 | -1.91% | 16.23% | 10.1% | 3.12% | 1.21 |
Compare SMFG vs Peers
Sumitomo Mitsui Financial Group, Inc. (SMFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SMFG Income Statement
Sumitomo Mitsui Financial Group, Inc. (SMFG) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 1.36T | 1.39T | 1.33T | 1.31T | 1.34T | 1.53T | 1.72T | 1.88T | 2.34T | 2.49T |
| NII Growth % | -4.52% | 2.33% | -4.23% | -1.84% | 2.16% | 14.44% | 12.42% | 9.48% | 24.33% | 72.55% |
| Net Interest Margin % | 0.71% | 0.7% | 0.65% | 0.59% | 0.55% | 0.59% | 0.64% | 0.64% | 0.76% | 0.82% |
| Interest Income | 1.9T | 2.17T | 2.49T | 2.49T | 1.85T | 1.91T | 3.78T | 6.21T | 6.93T | 7T |
| Interest Expense | 502.34B | 775.55B | 1.16T | 1.18T | 517.82B | 380B | 2.06T | 4.33T | 4.59T | 4.5T |
| Loan Loss Provision | -1.35T | -556.6B | -1.16T | 170.6B | 360.51B | 274.4B | 210.21B | 274B | 344.5B | 350.77B |
| Non-Interest Income | 1.45T | 2.62T | 1.89T | 1.79T | 1.72T | 1.9T | 2T | 2.55T | 2.73T | 2.69T |
| Non-Interest Income % | 43.24% | 54.77% | 43.13% | 41.81% | 48.07% | 49.83% | 34.62% | 29.12% | 28.25% | 27.74% |
| Total Revenue | 3.35T▲ 0% | 4.79T▲ 43.0% | 4.38T▼ 8.6% | 4.27T▼ 2.3% | 3.57T▼ 16.5% | 3.8T▲ 6.6% | 5.78T▲ 52.0% | 8.77T▲ 51.6% | 9.66T▲ 10.2% | 9.68T▲ 0% |
| Revenue Growth % | -19.83% | 43.04% | -8.61% | -2.35% | -16.5% | 6.57% | 52.02% | 51.63% | 10.16% | 302.04% |
| Non-Interest Expense | 1.94T | 2.18T | 2.06T | 2.03T | 2.02T | 2.22T | 2.41T | 2.82T | 3.02T | 2.88T |
| Efficiency Ratio | 57.93% | 45.48% | 46.98% | 47.61% | 56.55% | 58.35% | 41.7% | 32.13% | 31.29% | 29.76% |
| Operating Income | 1.43T▲ 0% | 1.78T▲ 24.4% | 890.83B▼ 50.0% | 888.65B▼ 0.2% | 672.24B▼ 24.4% | 929.59B▲ 38.3% | 1.1T▲ 18.2% | 1.34T▲ 22.2% | 1.7T▲ 26.6% | 1.95T▲ 0% |
| Operating Margin % | 42.74% | 37.18% | 20.36% | 20.79% | 18.84% | 24.44% | 19% | 15.31% | 17.6% | 20.12% |
| Operating Income Growth % | 8.64% | 24.43% | -49.97% | -0.24% | -24.35% | 38.28% | 18.17% | 22.2% | 26.64% | - |
| Pretax Income | 880.35B▲ 0% | 1.11T▲ 26.0% | 1.12T▲ 1.3% | 888.65B▼ 20.9% | 672.24B▼ 24.4% | 929.59B▲ 38.3% | 1.1T▲ 18.2% | 1.34T▲ 22.2% | 1.7T▲ 26.6% | 1.95T▲ 0% |
| Pretax Margin % | 26.3% | 23.16% | 25.67% | 20.79% | 18.84% | 24.44% | 19% | 15.31% | 17.6% | 20.12% |
| Income Tax | 139.77B | 270.52B | 331.42B | 167.68B | 156.35B | 214.53B | 282.15B | 373.66B | 513.07B | 552.9B |
| Effective Tax Rate % | 15.88% | 24.4% | 29.5% | 18.87% | 23.26% | 23.08% | 25.69% | 27.84% | 30.18% | 28.38% |
| Net Income | 635.8B▲ 0% | 734.37B▲ 15.5% | 726.68B▼ 1.0% | 703.88B▼ 3.1% | 512.81B▼ 27.1% | 706.63B▲ 37.8% | 805.84B▲ 14.0% | 962.95B▲ 19.5% | 1.18T▲ 22.3% | 1.39T▲ 0% |
| Net Margin % | 18.99% | 15.34% | 16.61% | 16.47% | 14.37% | 18.58% | 13.94% | 10.98% | 12.2% | 14.32% |
| Net Income Growth % | -1.68% | 15.5% | -1.05% | -3.14% | -27.15% | 37.8% | 14.04% | 19.5% | 22.33% | 19.34% |
| Net Income (Continuing) | 808.35B | 838.33B | 792.15B | 720.96B | 515.89B | 715.05B | 816.32B | 968.69B | 1.19T | 1.4T |
| EPS (Diluted) | 170.14▲ 0% | 171.69▲ 0.9% | 171.47▼ 0.1% | 168.82▼ 1.5% | 123.45▼ 26.9% | 170.05▲ 37.7% | 194.79▲ 14.5% | 239.03▲ 22.7% | 301.48▲ 26.1% | 360.31▲ 0% |
| EPS Growth % | 9.08% | 0.91% | -0.13% | -1.55% | -26.87% | 37.75% | 14.55% | 22.71% | 26.13% | 21.56% |
| EPS (Basic) | 170.28 | 171.82 | 171.58 | 168.92 | 123.51 | 170.12 | 194.85 | 239.10 | 301.55 | - |
| Diluted Shares Outstanding | 4.11B | 4.23B | 4.2B | 4.13B | 4.11B | 4.11B | 4.1B | 3.99B | 3.91B | 3.85B |
SMFG Balance Sheet
Sumitomo Mitsui Financial Group, Inc. (SMFG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 64.77T | 73.86T | 54.88T | 94.82T | 103.55T | 74.79T | 75.91T | 117.94T | 103.77T | 323.19T |
| Cash & Due from Banks | 47.33T | 53.73T | 57.41T | 61.77T | 72.57T | 74.79T | 75.91T | 78.14T | 75.59T | 72.6T |
| Short Term Investments | 17.9T | 20.12T | 17.51T | 33.05T | 30.98T | 0 | 0 | 39.8T | 28.18T | 0 |
| Total Investments | 50.73T | 56.15T | 49.19T | 132.04T | 133.28T | 47.63T | 47.52T | 49.73T | 190.9T | 163.15T |
| Investments Growth % | -0.23% | 10.68% | -12.39% | 168.41% | 0.94% | -64.26% | -0.23% | 4.65% | 283.85% | 273.11% |
| Long-Term Investments | 25.13T | 36.03T | 34.26T | 98.99T | 102.3T | 47.63T | 47.52T | 9.94T | 162.71T | 653.67T |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 946.51B | 865.58B | 769.23B | 753.58B | 738.76B | 898.82B | 897.85B | 976.71B | 1.02T | 1.05T |
| Goodwill | 318.58B | 272.2B | 193.13B | 194.29B | 147.51B | 320.64B | 277.31B | 268.83B | 230.07B | 0 |
| Intangible Assets | 627.93B | 593.38B | 576.1B | 559.29B | 591.25B | 578.18B | 620.54B | 707.87B | 787.25B | 1.05T |
| PP&E (Net) | 2.69T | 3.48T | 1.5T | 1.45T | 1.46T | 1.46T | 1.49T | 1.35T | 1.01T | 1.02T |
| Other Assets | 7.91T | -2.45T | -2.33T | 23.54T | -57.05T | -2.76T | -2.74T | 191.83T | 37.47T | 67.78T |
| Total Current Assets | 160.91T | 161.1T | 54.88T | 95.1T | 69.66T | 72.19T | 73.21T | 249.49T | 104T | 72.82T |
| Total Non-Current Assets | 36.88T | 37.95T | 2.33T | 124.76T | 2.57T | 2.76T | 2.74T | 205.84T | 202.28T | 233.09T |
| Total Assets | 191.15T▲ 0% | 199.05T▲ 4.1% | 203.66T▲ 2.3% | 219.86T▲ 8.0% | 242.58T▲ 10.3% | 257.7T▲ 6.2% | 270.43T▲ 4.9% | 295.24T▲ 9.2% | 306.28T▲ 3.7% | 305.91T▲ 0% |
| Asset Growth % | 2.45% | 4.13% | 2.32% | 7.96% | 10.33% | 6.23% | 4.94% | 9.17% | 3.74% | 16.98% |
| Return on Assets (ROA) | 0.34% | 0.38% | 0.36% | 0.33% | 0.22% | 0.28% | 0.31% | 0.34% | 0.39% | 0.45% |
| Accounts Payable | 0 | 2.38T | 1.35T | 2.35T | 2.32T | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 25.5T | 24.72T | 23.57T | 43.6T | 30.36T | 32.12T | 46.16T | 34.26T | 58.3T | 58.32T |
| Net Debt | -21.83T | -29.01T | -33.84T | -18.17T | -42.21T | -42.67T | -46.53T | -43.89T | -17.29T | -14.28T |
| Long-Term Debt | 10T | 18.74T | 10.37T | 24.83T | 27.31T | 29.13T | 24.46T | 28.69T | 25.44T | 24.72T |
| Short-Term Debt | 4.4T | 0 | 0 | 18.39T | 3.05T | 3T | 21.69T | 5.57T | 32.86T | 33.59T |
| Other Liabilities | -10.11T | -19.24T | -10.81T | 23.15T | 0 | -21.18T | -20.61T | 60.92T | 34.29T | 35.42T |
| Total Current Liabilities | 7.58T | 5.95T | 1.19T | 160.31T | 6.3T | 1.89T | 4.92T | 190.1T | 231.26T | 229.85T |
| Total Non-Current Liabilities | 20.58T | 21.76T | 20.82T | 48.77T | 27.98T | 20.83T | 24.76T | 90.33T | 60.18T | 60.75T |
| Total Liabilities | 179.26T | 187.44T | 192.21T | 209.08T | 230.69T | 245.51T | 257.64T | 280.44T | 291.44T | 290.6T |
| Total Equity | 11.89T▲ 0% | 11.61T▼ 2.3% | 11.45T▼ 1.4% | 10.78T▼ 5.8% | 11.9T▲ 10.3% | 12.2T▲ 2.5% | 12.79T▲ 4.9% | 14.8T▲ 15.7% | 14.84T▲ 0.3% | 15.3T▲ 0% |
| Equity Growth % | 13.78% | -2.31% | -1.39% | -5.82% | 10.33% | 2.51% | 4.87% | 15.69% | 0.29% | 9.75% |
| Equity / Assets (Capital Ratio) | 6.22% | 5.83% | 5.62% | 4.91% | 4.91% | 4.73% | 4.73% | 5.01% | 4.85% | 5% |
| Return on Equity (ROE) | 5.69% | 6.25% | 6.3% | 6.33% | 4.52% | 5.87% | 6.45% | 6.98% | 7.95% | 9.06% |
| Book Value per Share | 2891.60 | 2742.46 | 2729.46 | 2612.78 | 2893.30 | 2964.91 | 3123.06 | 3710.44 | 3798.31 | 3977.66 |
| Tangible BV per Share | 2661.36 | 2538.04 | 2546.11 | 2430.21 | 2713.67 | 2746.43 | 2903.84 | 3465.54 | 3537.96 | 3705.77 |
| Common Stock | 2.34T | 2.34T | 2.34T | 2.34T | 2.34T | 2.34T | 2.34T | 2.34T | 2.35T | 2.35T |
| Additional Paid-in Capital | 864.05B | 758.22B | 739.05B | 692B | 693.21B | 693.66B | 694.05B | 663.26B | 611.42B | 612.35B |
| Retained Earnings | 4.61T | 5.55T | 5.99T | 6.34T | 6.49T | 6.92T | 7.42T | 7.84T | 8.29T | 8.66T |
| Accumulated OCI | 2.13T | 1.75T | 1.71T | 1.37T | 2.31T | 2.16T | 2.37T | 4.03T | 3.49T | 3.58T |
| Treasury Stock | -12.91B | -12.49B | -16.3B | -13.98B | -13.7B | -13.4B | -151.8B | -167.67B | -38.51B | -38.64B |
| Preferred Stock | 552.93B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SMFG Cash Flow Statement
Sumitomo Mitsui Financial Group, Inc. (SMFG) cash flow — operating, investing & free cash flow history
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 4.51T | 9.34T | 4.6T | 7.09T | 18.8T | 1.55T | -5.9T | 642.86B | 4.97T | 4.97T |
| Operating CF Growth % | 500.46% | 106.96% | -50.8% | 54.2% | 165.2% | -91.78% | -481.46% | 110.9% | 673.02% | 0% |
| Net Income | 979.3B | 1.11T | 1.12T | 888.65B | 672.24B | 929.59B | 1.1T | 1.34T | 1.18T | 1.39T |
| Depreciation & Amortization | 304.26B | 306.76B | 294.93B | 226.73B | 227.18B | 241.92B | 267.93B | 293.07B | 280.78B | 0 |
| Deferred Taxes | 0 | 0 | 695.24B | 969.88B | 331.34B | 474.29B | 420.75B | 0 | 0 | 0 |
| Other Non-Cash Items | -965.49B | -725.8B | -842.86B | -912.54B | -1.53T | -1.83T | -1.62T | -267.45B | 8.89T | -1.39T |
| Working Capital Changes | 4.2T | 8.65T | 3.33T | 5.91T | 19.09T | 1.73T | -6.07T | -725.11B | -5.38T | 0 |
| Cash from Investing | 581.35B | -3.4T | 1.01T | -3.01T | -7.68T | -2.41T | 5.93T | -918.9B | -4.51T | 0 |
| Purchase of Investments | -21.22T | -23.73T | -26.62T | -35.54T | -41.81T | -36.94T | -32.36T | -36.6T | -48.63T | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | -21.22T | -23.73T | -26.62T | -35.54T | -41.81T | -36.94T | -32.36T | -36.6T | -48.63T | 0 |
| Acquisitions | -198.56B | -1.01T | 117.52B | 9.66B | -4.3B | -227.32B | -190.26B | 52.26B | 957M | 0 |
| Other Investing | 171.8B | 304.32B | 105.54B | 19.25B | 26.48B | 1.18B | 186.01B | -258.4B | -257.64B | 0 |
| Cash from Financing | -166.52B | -350.47B | -632.82B | -1.02T | -562.58B | -485.34B | -357.78B | 280.69B | -480.15B | 0 |
| Dividends Paid | -205.08B | -218.57B | -245.59B | -255.77B | -267.12B | -274.06B | -301.6B | -348.01B | -412.12B | 0 |
| Share Repurchases | -100M | -142M | -70.09B | -100.09B | -61M | -74M | -138.84B | -211.43B | -251.63B | 0 |
| Stock Issued | 179.76B | 521M | 294M | 483M | 281M | 320M | 332M | 216M | 181M | 0 |
| Net Stock Activity | 179.66B | 379M | -69.8B | -99.61B | 220M | 246M | -138.51B | -211.22B | -251.45B | 0 |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 0 |
| Other Financing | 4.43T | 5.81T | 5.05T | -251.08B | -1.14B | -509M | 6.64T | -111.74B | -5.96B | 0 |
| Net Change in Cash | 4.92T▲ 0% | 5.5T▲ 11.8% | 5.14T▼ 6.7% | 2.98T▼ 42.1% | 10.71T▲ 259.9% | -979.14B▼ 109.1% | 32.18B▲ 103.3% | 516.08B▲ 1503.9% | -192.66B▼ 137.3% | 0▲ 0% |
| Exchange Rate Effect | -1000K | -1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 0 |
| Cash at Beginning | 37.56T | 42.48T | 47.98T | 53.12T | 56.1T | 66.81T | 65.83T | 65.86T | 66.38T | 0 |
| Cash at End | 42.48T | 47.98T | 53.12T | 56.1T | 66.81T | 65.83T | 65.86T | 66.38T | 66.19T | 0 |
| 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 | 3.87T▲ 0% | 8.49T▲ 119.3% | 3.95T▼ 53.5% | 6.84T▲ 73.2% | 18.47T▲ 170.2% | 1.26T▼ 93.2% | -6.19T▼ 592.7% | 250.98B▲ 104.1% | 4.6T▲ 1733.8% | 0▲ 0% |
| FCF Growth % | 313.36% | 119.3% | -53.54% | 73.22% | 170.18% | -93.19% | -592.69% | 104.05% | 1733.79% | - |
SMFG Banking Ratios
Sumitomo Mitsui Financial Group, Inc. (SMFG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 5.69% | 6.25% | 6.3% | 6.33% | 4.52% | 5.87% | 6.45% | 6.98% | 7.95% | 9.06% |
| Return on Assets (ROA) | 0.34% | 0.38% | 0.36% | 0.33% | 0.22% | 0.28% | 0.31% | 0.34% | 0.39% | 0.45% |
| Net Interest Margin | 0.71% | 0.7% | 0.65% | 0.59% | 0.55% | 0.59% | 0.64% | 0.64% | 0.76% | 0.82% |
| Efficiency Ratio | 57.93% | 45.48% | 46.98% | 47.61% | 56.55% | 58.35% | 41.7% | 32.13% | 31.29% | 29.76% |
| Equity / Assets | 6.22% | 5.83% | 5.62% | 4.91% | 4.91% | 4.73% | 4.73% | 5.01% | 4.85% | 5% |
| Book Value / Share | 2.89K | 2.74K | 2.73K | 2.61K | 2.89K | 2.96K | 3.12K | 3.71K | 3.8K | 3.98K |
| NII Growth | -4.52% | 2.33% | -4.23% | -1.84% | 2.16% | 14.44% | 12.42% | 9.48% | 24.33% | 17.72% |
| Dividend Payout | 32.26% | 29.76% | 33.8% | 36.34% | 52.09% | 38.78% | 37.43% | 36.14% | 34.98% | 0% |
SMFG Frequently Asked Questions
Sumitomo Mitsui Financial Group, Inc. (SMFG) stock FAQ — growth, dividends, profitability & financials explained
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 3.19%. 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.
Explore More SMFG
Sumitomo Mitsui Financial Group, Inc. (SMFG) financial analysis — history, returns, DCA and operating performance tools
Full SMFG Stock Analysis
Analyst verdict, bull/bear case, risk factors and peer comparison
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates