Obermatt

Sumitomo Mitsui Financial Group

TYO:8316 · JP3890350006
BanksMedium

360

21
Profit price30
Cash yield49
Price/Sales42
Price/Book33
Returns on capital70
Profit margins
Cash Conversion4
Accruals28
Owner Earnings Margin39
Sales growth50
Profit Growth74
Long-Term EPS Growth92
Reinvestment85
Price momentum77
Debt load96
Debt serviceability94
Liquidity67
Analyst ratings71
Opinion Changes50
Price Target Upside23
Market mood100
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Sumitomo Mitsui Financial Group generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeMedium
TypePublic Company
ExchangeTSE
Founded2002
Employees26
Websitesmfg.co.jp
ISINJP3890350006
Last UpdateApr 2, 2026
Themes
Utility Scale SolarOnshore and Offshore WindEnergy StorageBiomass EnergyBankingFinanceFinancial Services

Description

Sumitomo Mitsui Financial Group, Inc. (SMFG) provides a diverse range of financial services, including commercial banking, leasing, securities, consumer finance and other services. The SMBC Group consists of SMBC, SMBC Trust Bank Ltd. (SMBC Trust Ba…

Analysis

Weak and unloved

Sumitomo Mitsui Financial Group, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is attractive. You pay 13.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly 1% yearly growth; analysts expect 20%. The price, in other words, assumes less than the experts do.

The trajectory is moderate and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
100
2023202420252026

All-time high

100

Jun 2026

All-time low

62

Jan 2025

Average rank

80

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
42
50
66
79
Price/Earnings
56
52
58
73
Price/Book
33
46
48
71
Dividend Yield
49
44
51
56
Value (overall)
55
63
59
83

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →