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SMTH

TYO:8309 · JP3892100003
BanksMedium

360

40
Profit price28
Cash yield63
Price/Sales48
Price/Book49
Returns on capital52
Profit margins—
Cash Conversion15
Accruals56
Owner Earnings Margin11
Sales growth85
Profit Growth62
Long-Term EPS Growth80
Reinvestment65
Price momentum47
Debt load80
Debt serviceability66
Liquidity10
Analyst ratings35
Opinion Changes59
Price Target Upside17
Market mood73
Value Creation10/20creating some value
  • 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

SMTH clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeMedium
TypePublic Company
ExchangeTSE
Founded2002
Employees4
Websitesmtg.jp
ISINJP3892100003
Last UpdateApr 2, 2026
Indices
Nikkei 225 (Japan)TOPIX 100 (Japan)
Themes
FinanceFinancial ServicesFinTech

Description

Sumitomo Mitsui Trust Group, Inc., a Japanese financial holding company, operates through its subsidiaries, including Sumitomo Mitsui Trust Bank. The company offers savings accounts, time deposits, demand deposits, other deposit products, and other s…

Analysis

Weak and unloved

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

The price is attractive. You pay 10.9× 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 -2% yearly growth; analysts expect 15%. The price, in other words, assumes less than the experts do.

The trajectory is solid and accelerating and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
86
2023202420252026

All-time high

86

Jun 2026

All-time low

24

Jan 2024

Average rank

57

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
48
60
68
89
Price/Earnings
73
71
56
66
Price/Book
49
46
52
57
Dividend Yield
63
52
64
63
Value (overall)
75
59
67
79

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 →