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Upturn AI SWOT - About
SMFG 
Sumitomo Mitsui Financial Group Inc (SMFG)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/16/2025: SMFG (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration 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 -11.25% | Avg. Invested days 46 | 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 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 107.52B USD | Price to earnings Ratio 13.52 | 1Y Target Price 18.61 |
Price to earnings Ratio 13.52 | 1Y Target Price 18.61 | ||
Volume (30-day avg) 1 | Beta 0.2 | 52 Weeks Range 11.72 - 17.46 | Updated Date 09/16/2025 |
52 Weeks Range 11.72 - 17.46 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 2.93% | Basic EPS (TTM) 1.24 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.4% | Operating Margin (TTM) 35.59% |
Management Effectiveness
Return on Assets (TTM) 0.17% | Return on Equity (TTM) 3.52% |
Valuation
Trailing PE 13.52 | Forward PE 11.45 | Enterprise Value -43497419702272 | Price to Sales(TTM) 0.03 |
Enterprise Value -43497419702272 | Price to Sales(TTM) 0.03 | ||
Enterprise Value to Revenue 5.54 | Enterprise Value to EBITDA - | Shares Outstanding 6411679744 | Shares Floating 3854245490 |
Shares Outstanding 6411679744 | Shares Floating 3854245490 | ||
Percent Insiders - | Percent Institutions 1.88 |
Upturn AI SWOT
Sumitomo Mitsui Financial Group Inc
Company Overview
History and Background
Sumitomo Mitsui Financial Group (SMFG) was formed in 2002 through the merger of Sumitomo Bank and Mitsui Bank. It has evolved into one of the world's largest financial institutions, with a global presence and a diverse range of financial services.
Core Business Areas
- Retail Banking: Provides deposit accounts, loans, and other financial services to individual customers.
- Corporate Banking: Offers loans, transaction services, and advisory services to corporate clients.
- Investment Banking: Provides underwriting, M&A advisory, and other investment banking services.
- Asset Management: Manages assets for institutional and retail clients.
- Leasing: Provides leasing solutions for various industries.
Leadership and Structure
The leadership team consists of senior executives overseeing various business units. The organizational structure is hierarchical, with regional and functional divisions.
Top Products and Market Share
Key Offerings
- Personal Loans: Offers a variety of personal loan products. Competitors: Bank of America (BAC), Citigroup (C), Wells Fargo (WFC). Difficult to calculate precise US market share for SMFG (SMFG is primarily a Japanese bank).
- Credit Cards: Provides credit card services. Competitors: American Express (AXP), Visa (V), Mastercard (MA). Difficult to calculate precise US market share for SMFG (SMFG is primarily a Japanese bank).
- Corporate Lending: Offers corporate loans and financing solutions. Competitors: JPMorgan Chase (JPM), Goldman Sachs (GS), Morgan Stanley (MS). Difficult to calculate precise US market share for SMFG (SMFG is primarily a Japanese bank).
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, technological advancements, and macroeconomic conditions.
Positioning
SMFG is a global financial institution with a strong presence in Japan and a growing international footprint. Its competitive advantages include its strong brand reputation, diverse product offerings, and extensive network.
Total Addressable Market (TAM)
The TAM for global banking is in the trillions of dollars. SMFG is positioned to capture a significant share through its global reach and comprehensive services. However, its direct presence and market share in the US are smaller than major US banks.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Diverse product offerings
- Global network
- Solid financial performance
- Strong capital base
Weaknesses
- Limited US market share compared to domestic giants
- Exposure to Japanese economic conditions
- Complexity of global operations
- Regulatory burden
Opportunities
- Expanding international operations
- Leveraging technology for innovation
- Growing demand for financial services in emerging markets
- Strategic acquisitions and partnerships
- Increase its market share in US banking
Threats
- Increased competition
- Economic downturns
- Regulatory changes
- Cybersecurity risks
- Geopolitical instability
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
- WFC
- MS
- GS
Competitive Landscape
SMFG faces stiff competition from established US financial institutions. Its advantages include its global reach and specialized services. However, its US market share is smaller compared to domestic giants.
Major Acquisitions
Dillon Read Capital Management
- Year: 2007
- Acquisition Price (USD millions): 0
- Strategic Rationale: Entered into a strategic relationship with Dillon Read Capital Management, the hedge fund arm of UBS.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires specific financial data sourced from SMFG's reports.
Future Projections: Future projections are best obtained from analyst reports that cover SMFG.
Recent Initiatives: Requires up-to-date information from SMFG's press releases and investor relations materials.
Summary
Sumitomo Mitsui Financial Group is a significant global player, leveraging its strong brand and diversified services. While competitive in the global market, its US presence is smaller. It faces ongoing challenges from competition and regulatory changes, but also has opportunities for growth through international expansion and technological innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Sumitomo Mitsui Financial Group Inc Investor Relations
- SEC Filings
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change. Financial data is based on the most recent reports available.
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 Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit segments. 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, 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 services, 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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