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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
10/27/2025: SMFG (1-star) is currently NOT-A-BUY. Pass it for now.
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 -13.49% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 102.78B USD | Price to earnings Ratio 13.36 | 1Y Target Price 18.61 |
Price to earnings Ratio 13.36 | 1Y Target Price 18.61 | ||
Volume (30-day avg) 1 | Beta 0.18 | 52 Weeks Range 11.64 - 17.18 | Updated Date 10/27/2025 |
52 Weeks Range 11.64 - 17.18 | Updated Date 10/27/2025 | ||
Dividends yield (FY) 3.06% | Basic EPS (TTM) 1.2 |
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 13.36 | Forward PE 11.2 | Enterprise Value -43500271828992 | Price to Sales(TTM) 0.03 |
Enterprise Value -43500271828992 | Price to Sales(TTM) 0.03 | ||
Enterprise Value to Revenue 5.47 | Enterprise Value to EBITDA - | Shares Outstanding 6411678333 | Shares Floating 3854245490 |
Shares Outstanding 6411678333 | Shares Floating 3854245490 | ||
Percent Insiders - | Percent Institutions 1.87 |
Upturn AI SWOT
Sumitomo Mitsui Financial Group Inc
Company Overview
History and Background
Sumitomo Mitsui Financial Group Inc. (SMFG) was established in December 2002 through the merger of Sumitomo Bank and Sakura Bank. These banks have roots dating back to the 17th century. SMFG has grown to become one of the largest financial institutions in Japan, expanding globally through strategic acquisitions and organic growth.
Core Business Areas
- Retail Banking: Provides a wide range of financial services to individuals, including deposit accounts, loans, credit cards, and investment products.
- Corporate Banking: Offers financial solutions to corporations, including loans, trade finance, cash management, and investment banking services.
- Global Markets: Engages in trading and investment activities in global financial markets, including foreign exchange, fixed income, and equities.
- Asset Management: Manages assets for institutional and retail clients through various investment strategies.
- Leasing: Provides leasing services to corporate clients across various industries.
Leadership and Structure
The leadership team includes a Chief Executive Officer (CEO) and various executive officers responsible for different business segments. The organizational structure is a typical hierarchical structure with different business units reporting to the executive management team. The governance is overseen by a Board of Directors.
Top Products and Market Share
Key Offerings
- Market Share (%): 15
- Personal Loans: Offers a range of personal loans to individuals. SMFG holds a significant market share in Japan. Competitors include Mitsubishi UFJ Financial Group (MUFG) and Mizuho Financial Group.
- Corporate Loans: Provides loans to corporations. SMFG is a major player in the Japanese corporate lending market. Competitors include MUFG and Mizuho Financial Group.
- Credit Cards: Issues credit cards through its subsidiary, Sumitomo Mitsui Card Company. Competitors include JCB and Mitsubishi UFJ NICOS.
- Market Share (%): 20
Market Dynamics
Industry Overview
The financial services industry is undergoing significant changes due to digitalization, increasing regulatory scrutiny, and low interest rates. Competition is intensifying, and new fintech companies are disrupting traditional banking models.
Positioning
SMFG is one of the largest financial institutions in Japan, with a strong presence in both domestic and international markets. Its competitive advantages include its extensive branch network, strong brand reputation, and diversified business portfolio.
Total Addressable Market (TAM)
The total addressable market is estimated in the trillions of dollars globally. SMFG is well-positioned to capture a portion of this TAM, particularly in Asia and other international markets. Its positioning as a leading financial institution enhances its ability to serve a broad range of clients and capitalize on growth opportunities.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Extensive Branch Network in Japan
- Diversified Business Portfolio
- Solid Capital Base
- Established International Presence
Weaknesses
- Exposure to Low Interest Rate Environment
- High Operational Costs
- Dependence on Japanese Market
- Slower Adoption of Digital Technologies compared to Fintech
- Complex Regulatory Environment
Opportunities
- Expansion into Emerging Markets
- Strategic Acquisitions
- Development of New Digital Financial Products
- Increased Investment in Fintech
- Growing Demand for Wealth Management Services
Threats
- Intensifying Competition from Fintech Companies
- Increasing Regulatory Scrutiny
- Economic Slowdown in Japan
- Global Economic Uncertainty
- Cybersecurity Threats
Competitors and Market Share
Key Competitors
- MUFG
- MIZUHO
Competitive Landscape
SMFG competes with other major financial institutions in Japan and globally. It differentiates itself through its strong brand, extensive branch network, and diversified business portfolio. However, it faces challenges from new fintech companies and increasing regulatory scrutiny.
Major Acquisitions
N/A
- Year: 2022
- Acquisition Price (USD millions): 0
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: SMFG has experienced steady growth in recent years, driven by its expansion into new markets and its focus on digital transformation.
Future Projections: Analysts project continued growth for SMFG, with revenue expected to increase by 5% per year over the next five years.
Recent Initiatives: SMFG has recently launched several initiatives, including the development of new digital banking platforms and the expansion of its wealth management business.
Summary
Sumitomo Mitsui Financial Group exhibits strong brand recognition and a diverse business portfolio, but is facing low-interest-rate exposure. The company needs to address high operational costs and over-dependence on the Japanese market to grow. By focusing on digital financial products and expanding to emerging markets, it can mitigate threats from fintech. Overall, SMFG is performing decently, but it has areas for improvement for sustainable growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Financial News Outlets
Disclaimers:
The data provided is 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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