Sumitomo Mitsui Financial Group, Inc.(SMFG)Earnings, Financials & Key Ratios
SMFG•NYSE•Banking & Credit
$25.31
15.6× P/E·Price updated Jul 7, 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$2883.65B+23.3%
- Total Revenue$10822.89B+12.1%
- Net Income$1678.44B+42.5%
- Return on Equity10.88%+36.9%
- Net Interest Margin0.87%+14.5%
- Efficiency Ratio32.2%+2.9%
- ROA0.53%+34.7%
- Equity / Assets4.85%
- Book Value per Share2498.26-34.2%
SMFG Price & Volume
Sumitomo Mitsui Financial Group, Inc. (SMFG) stock price & volume — 10-year historical chart
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Volatile Interest Margins Challenge SMFG Asset Growth
Investment Thesis • Updated 2026Q4
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Domestic rate policy sensitivity
Key Thesis Takeaways
- Sumitomo Mitsui Financial Group faces a complex outlook as it navigates shifting Japanese monetary policy, evidenced by net interest income volatility that saw a contraction from $1.9T in 2026Q3 to $787.7B in 2026Q4.
- While the bank maintains a stable equity-to-assets ratio of 0.05, its reliance on high-velocity securities turnover and inconsistent fee income—which peaked at 32.8% of revenue in 2026Q3—suggests significant operational sensitivity.
- Investors should monitor the bank's ability to sustain its progressive dividend policy, which saw $838.3 billion returned to shareholders in 2026Q4, against the backdrop of fluctuating credit provisioning and interest rate normalization.
Verdict Logic
while the bank maintains a consistent equity-to-assets ratio of 0.05, the extreme volatility in net interest income and the 14.70 P/E TTM valuation suggest that investors should wait for clearer evidence of margin stabilization.
SMFG Growth Metrics
Sumitomo Mitsui Financial Group, Inc. (SMFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.99%
5 Years24.84%
3 Years23.25%
TTM-
Profit CAGR
10 Years10.01%
5 Years26.76%
3 Years27.71%
TTM113.71%
EPS CAGR
10 Years5.32%
5 Years16.25%
3 Years10.39%
TTM112.01%
Return on Capital
10 Years0.8%
5 Years0.94%
3 Years1.3%
Last Year1.28%
SMFG Recent Earnings
Sumitomo Mitsui Financial Group, Inc. (SMFG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (82%)●Beat Revenue 10/12 qtrs (100%)
Q2 2026Latest
May 13, 2026Metric
Actual
Est
EPS
$0.24+118.2%
$0.11
Rev
$18.1B+137.1%
$7.6B
Q1 2026
Jan 30, 2026Metric
Actual
Est
EPS
$0.16-60.0%
$0.40
Rev
$35.9B+381.4%
$7.5B
Q4 2025
Dec 29, 2025Metric
Actual
Est
EPS
$0.96+134.3%
$0.41
Rev
$17.7B+143.6%
$7.3B
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$0.40+9.1%
$0.37
Rev
$16.0B+115.7%
$7.4B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 13, 2026 | $0.24vs $0.11+118.2% | $18.1Bvs $7.6B+137.1% |
| Q1 2026 | 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% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Sumitomo Mitsui Financial Group, Inc. (SMFG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.31 | $98.06B | 15.63 | 12.08% | 15.51% | 10.88% | 2.18% | |
| $10.19 | $124.14B | 15.41 | 10.35% | 14.46% | 11.28% | — | |
| $21.29 | $240.31B | 15.30 | 14.62% | 18.46% | 10.82% | — | |
| $115.48 | $40.96B | 11.49 | 34.2% | 13.95% | 10.2% | — | |
| $71.34 | $33.71B | 11.06 | -1.95% | 14.67% | 8.59% | — | |
| $62.00 | $15.05B | 7.35 | -84.02% | 22.48% | 8.91% | — |
Compare SMFG vs Peers
Sumitomo Mitsui Financial Group, Inc. (SMFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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SMFG Frequently Asked Questions
Sumitomo Mitsui Financial Group, Inc. (SMFG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Sumitomo Mitsui Financial Group, Inc. growing?
Sumitomo Mitsui Financial Group, Inc. (SMFG) grew revenue by 12.1% over the past year. This is steady growth.
Is SMFG profitable?
Yes, Sumitomo Mitsui Financial Group, Inc. (SMFG) is profitable, generating $2.52T in net income for fiscal year 2026 (15.5% net margin).
Dividend & Returns
Does SMFG pay dividends?
Yes, Sumitomo Mitsui Financial Group, Inc. (SMFG) pays a dividend with a yield of 2.18%. This makes it attractive for income-focused investors.
What is SMFG's return on equity?
Sumitomo Mitsui Financial Group, Inc. (SMFG) has a return on equity (ROE) of 10.9%. This is reasonable for most industries.
Industry Metrics
What is Sumitomo Mitsui Financial Group, Inc.'s net interest margin?
Sumitomo Mitsui Financial Group, Inc. (SMFG) has a net interest margin (NIM) of 0.9%. NIM has been under pressure due to interest rate environment.
What is Sumitomo Mitsui Financial Group, Inc.'s efficiency ratio?
Sumitomo Mitsui Financial Group, Inc. (SMFG) has an efficiency ratio of 32.2%. This is excellent, indicating strong cost control.