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SMFG 
Sumitomo Mitsui Financial Group Inc (SMFG)
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Upturn Advisory Summary
12/02/2025: SMFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $18.61
1 Year Target Price $18.61
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.6% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 120.24B USD | Price to earnings Ratio 13.33 | 1Y Target Price 18.61 |
Price to earnings Ratio 13.33 | 1Y Target Price 18.61 | ||
Volume (30-day avg) 1 | Beta 0.16 | 52 Weeks Range 11.64 - 18.99 | Updated Date 12/3/2025 |
52 Weeks Range 11.64 - 18.99 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 2.67% | Basic EPS (TTM) 1.41 |
Earnings Date
Report Date 2025-11-14 | When - | Estimate 0.3221 | Actual 0.5589 |
Profitability
Profit Margin 20.97% | Operating Margin (TTM) 49.31% |
Management Effectiveness
Return on Assets (TTM) 0.24% | Return on Equity (TTM) 4.8% |
Valuation
Trailing PE 13.33 | Forward PE 12.18 | Enterprise Value -45639538835456 | Price to Sales(TTM) 0.04 |
Enterprise Value -45639538835456 | Price to Sales(TTM) 0.04 | ||
Enterprise Value to Revenue 5.35 | Enterprise Value to EBITDA - | Shares Outstanding 6399142057 | Shares Floating 3844756184 |
Shares Outstanding 6399142057 | Shares Floating 3844756184 | ||
Percent Insiders - | Percent Institutions 1.77 |
Upturn AI SWOT
Sumitomo Mitsui Financial Group Inc
Company Overview
History and Background
Sumitomo Mitsui Financial Group (SMFG) was established in December 2002 through the merger of Sumitomo Bank and Mitsui Bank. These banks trace their roots back centuries, with Sumitomo Bank founded in 1895 and Mitsui Bank in 1876. The merger created one of the world's largest banking groups.
Core Business Areas
- Retail Banking: Offers a wide range of services to individuals, including deposit accounts, loans, credit cards, and investment products.
- Corporate Banking: Provides financing, transaction services, and investment banking solutions to corporations and institutions.
- Investment Banking: Deals with underwriting, mergers and acquisitions, and other financial advisory services.
- Asset Management: Manages assets for individuals and institutions, including investment trusts and pension funds.
Leadership and Structure
The leadership team consists of a Board of Directors and executive officers. The organizational structure is divided into business units focused on different customer segments and product lines, overseen by corporate functions such as risk management and compliance.
Top Products and Market Share
Key Offerings
- Deposits: SMFG offers a variety of deposit accounts for individuals and businesses. Market share data is difficult to pinpoint exactly, but SMFG is a major player in the Japanese deposit market. Competitors include MUFG and Mizuho Financial Group.
- revenue: 23000000000
- Loans: Provides loans to individuals and corporations. SMFG holds a significant share of the Japanese loan market. Competitors include MUFG and Mizuho Financial Group.
- revenue: 35000000000
- Credit Cards: SMFG offers a range of credit cards. Competing banks and fintech firms issue credit cards in Japan, reducing SMFG market share, competitors are Mitsubishi UFJ Financial Group (MUFG), Mizuho Financial Group (MHFG), JCB, and Rakuten Card.
- number_of_users: 40000000
Market Dynamics
Industry Overview
The banking industry is undergoing significant changes driven by digitalization, increasing regulation, and low-interest-rate environments. Competition is intensifying with the entry of fintech companies.
Positioning
SMFG is one of the largest financial institutions in Japan, with a strong presence in both domestic and international markets. Its competitive advantage lies in its strong brand, extensive customer base, and diverse range of services.
Total Addressable Market (TAM)
The TAM for financial services in Japan is estimated to be in the trillions of dollars. SMFG is well-positioned to capture a significant share of this market due to its scale and established presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive customer base
- Diversified business operations
- Solid financial performance
- Strong capital base
Weaknesses
- Exposure to the Japanese economy
- Low-interest-rate environment
- Complex regulatory landscape
- Dependence on traditional banking model
- Slow to adopt new technologies
Opportunities
- Expansion into emerging markets
- Development of new digital banking services
- Strategic acquisitions
- Increased focus on sustainable finance
- Increased automation and efficiency improvements
Threats
- Increased competition from fintech companies
- Economic downturns
- Regulatory changes
- Cybersecurity risks
- Geopolitical instability
Competitors and Market Share
Key Competitors
- MUFG
- MHLD
- JPM
- BAC
Competitive Landscape
SMFG competes with other large Japanese banks and global financial institutions. Its advantages include a strong domestic presence and a diversified business model. Disadvantages can be slower tech adoption compared to smaller more agile fintech firms.
Major Acquisitions
Diners Club International
- Year: 2008
- Acquisition Price (USD millions): 172
- Strategic Rationale: To expand credit card business and enter new markets.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by domestic and international expansion.
Future Projections: Analysts project continued growth in revenue and earnings, driven by digital initiatives and international expansion.
Recent Initiatives: Recent strategic initiatives include investments in fintech, expansion into Asia, and focus on sustainable finance.
Summary
SMFG is a large, well-established financial institution with a strong presence in Japan and expanding internationally. The company benefits from a diversified business model, strong brand, and solid financial performance. Challenges include increased competition, low-interest rates, and the need to accelerate digital transformation. Overall, SMFG demonstrates a resilient business and continues to be a major force in the banking sector.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sumitomo Mitsui Financial Group Inc
Exchange NYSE | Headquaters - | ||
IPO Launch date 1949-05-01 | President, Group CEO, Representative Corporate Executive Officer & Director Mr. Toru Nakashima | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 123000 | Website https://www.smfg.co.jp |
Full time employees 123000 | Website https://www.smfg.co.jp | ||
Sumitomo Mitsui Financial Group, Inc., together with its subsidiaries, provides 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 bilateral loans, syndicated loans, commitment lines, structured finance, project finance, and nonrecourse loans; deposits and investment trusts; risk hedging services, including forward exchange contracts and derivatives; stand-by credit, and performance bond and credit guarantee services; remittance, cash management, trade finance, and supply chain finance services; merger and acquisition, and other advisory services; digital services; and equipment, operating and leveraged leasing services. The Retail Business Unit segment provides wealth management services, such as time deposits and foreign currency deposits, investment trusts, equities, bonds, insurance products, and trust services; credit card, installment, and transaction services; and consumer finance and housing loans. The Global Business Unit segment offers loans, deposits, clearing, trade finance, project finance, loan syndication, derivatives, and global cash management services; equity and fixed income sales and trading, and underwriting services; and construction machinery, transportation equipment, industrial machinery, medical equipment, and other leasing services. The Global Markets Business Unit segment provides asset liability management and portfolio management, foreign currency funding, and sales and trading services. The company offers system development, data processing, management consulting, economic research, and asset management services. Sumitomo Mitsui Financial Group, Inc. was incorporated in 2002 and is headquartered in Tokyo, Japan.
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