SMFG Financial Services

Sumitomo Mitsui Financial Group, Inc.

$23.88-0.54%

Price as of close on Nov 3, 2026 · Financials updated Oct 1, 2026

Basics

Sector: Financial Services
Industry: Banks - Diversified
Country: Japan
Market cap: 150.9B USD
Full-time employees: 123,000

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
About average: growth

Ranks #711 of 791 banks & insurance companies (bottom 11%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Nothing unusual stands out. Its strongest area is growth (57/100).
None of our checks flag anything unusual in Sumitomo Mitsui Financial's latest figures; its strongest area is growth, at 57 out of 100.

StockQuotient Score

27/ 100

Oct 5 27 → Nov 4 27

Valuation

Is the price right?

6/100

Weak

2/2 inputs reported · High confidence

Since last year: No major changeValuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ Earnings yield
▼ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield38.3%

SEC filings (IFRS mapped) · latest balance sheet · JPY→USD at the current rateReported value40% base weight · Z-score -1.45Sector median: 0.7950 · MAD: 0.2843

Earnings yield2.4%

SEC filings (IFRS mapped) · 12 months to Mar 2026 · JPY→USD at the current rateReported value60% base weight · Z-score -2.18Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield-13.9%

SEC filings (IFRS mapped) · 12 months to Mar 2026 · JPY→USD at the current rate · operating cash flow − capital spendingNegative (a loss or cash outflow), so it counts as zero whatever the share priceInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

57/100

Moderate

1/1 inputs reported · High confidence

Since last year: No major change

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth20.7%

SEC filings (IFRS mapped) · 12 months to Mar 2026Reported value100% base weight · Z-score 0.27Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth15.9%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Mar 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth14.3%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Mar 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

17/100

Weak

2/2 inputs reported · High confidence

Since last year: ▼ Weaker

Free cash flow turned negative over the last 12 months

Why

Weaker than most peers on:

▼ ROA
▼ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.4%

SEC filings (IFRS mapped) · 12 months to Mar 2026Reported value50% base weight · Z-score -1.29Sector median: 0.0117 · MAD: 0.0062

Return on equity6.2%

SEC filings (IFRS mapped) · 12 months to Mar 2026Reported value50% base weight · Z-score -1.17Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Sumitomo Mitsui Financial

Is Sumitomo Mitsui Financial getting weaker?: Its latest SEC filing (Jun 26, 2026) got weaker in some ways: free cash flow turned negative over the last 12 months. Its overall score is unchanged at 27/100 since Oct 28, 2026.
How is Sumitomo Mitsui Financial valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 6/100 against 950 banks & insurance peers. Earnings yield 2.4% vs a peer median of 7.9% (weaker than 91% of peers).Earnings yield 2.4% vs peers 7.9% (weaker than 91% of peers).
Is Sumitomo Mitsui Financial growing?: At about the same pace as its peers. Growth scores 57/100 against 950 banks & insurance peers.
How profitable is Sumitomo Mitsui Financial?: Less profitable than most of its peers. Profitability scores 17/100 against 950 banks & insurance peers. Return on assets 0.4% vs a peer median of 1.2% (weaker than 85% of peers).Return on assets 0.4% vs peers 1.2% (weaker than 85% of peers).
How risky is Sumitomo Mitsui Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Year ended Mar 31, 2026 · filed Jun 26, 2026 · compared with the year ended Mar 31, 2025

Got weaker

Free cash flow turned negative over the last 12 months

Worth watching: Sumitomo Mitsui Financial is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.

	Previous year	Latest year	Change
Net income (12 months)	478.1B JPY	1.14T JPY	+137.9%
Free cash flow (12 months)	2.97T JPY	−6.63T JPY	turned negative
Debt	12.70T JPY	10.55T JPY	−16.9%
Cash	75.25T JPY	72.64T JPY	−3.5%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year · amounts in JPY, as reported

Key ratios	FY Mar 2022	FY Mar 2023	FY Mar 2024	FY Mar 2025	FY Mar 2026	Change
Return on assets (ROA)	0.2%	0.4%	0.3%	0.2%	0.4%	▲ 0.2 pts
Return on equity (ROE)	3.9%	6.7%	5.4%	2.9%	6.2%	▲ 3.3 pts
Debt to equity	1.61×	1.14×	0.99×	0.77×	0.58×	▼ 25%

SMFG price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

About average: growth

Ranks #711 of 791 banks & insurance companies (bottom 11%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Sumitomo Mitsui Financial

Is Sumitomo Mitsui Financial getting weaker?

Its latest SEC filing (Jun 26, 2026) got weaker in some ways: free cash flow turned negative over the last 12 months. Its overall score is unchanged at 27/100 since Oct 28, 2026.

How is Sumitomo Mitsui Financial valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 6/100 against 950 banks & insurance peers. Earnings yield 2.4% vs a peer median of 7.9% (weaker than 91% of peers).Earnings yield 2.4% vs peers 7.9% (weaker than 91% of peers).

Is Sumitomo Mitsui Financial growing?

At about the same pace as its peers. Growth scores 57/100 against 950 banks & insurance peers.

How profitable is Sumitomo Mitsui Financial?

Less profitable than most of its peers. Profitability scores 17/100 against 950 banks & insurance peers. Return on assets 0.4% vs a peer median of 1.2% (weaker than 85% of peers).Return on assets 0.4% vs peers 1.2% (weaker than 85% of peers).

How risky is Sumitomo Mitsui Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous year

Latest year

Change

Net income (12 months)

478.1B JPY

1.14T JPY

+137.9%

Free cash flow (12 months)

2.97T JPY

−6.63T JPY

turned negative

Debt

12.70T JPY

10.55T JPY

−16.9%

Cash

75.25T JPY

72.64T JPY

−3.5%

Key ratios

FY Mar 2022

FY Mar 2023

FY Mar 2024

FY Mar 2025

FY Mar 2026

Change

Return on assets (ROA)

0.2%

0.4%

0.3%

0.2%

0.4%

▲ 0.2 pts

Return on equity (ROE)

3.9%

6.7%

5.4%

2.9%

6.2%

▲ 3.3 pts

Debt to equity

1.61×

1.14×

0.99×

0.77×

0.58×

▼ 25%