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Upturn AI SWOT - About
SMFG 
Sumitomo Mitsui Financial Group Inc (SMFG)
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Upturn Advisory Summary
08/28/2025: 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 $16.52
1 Year Target Price $16.52
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.63% | Avg. Invested days 45 | 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 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 106.09B USD | Price to earnings Ratio 13.33 | 1Y Target Price 16.52 |
Price to earnings Ratio 13.33 | 1Y Target Price 16.52 | ||
Volume (30-day avg) 1 | Beta 0.22 | 52 Weeks Range 11.72 - 17.46 | Updated Date 08/29/2025 |
52 Weeks Range 11.72 - 17.46 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.97% | Basic EPS (TTM) 1.24 |
Earnings Date
Report Date 2025-07-31 | When - | Estimate 0.2894 | Actual 0.329 |
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 13.33 | Forward PE 11.32 | Enterprise Value -43498346643456 | Price to Sales(TTM) 0.03 |
Enterprise Value -43498346643456 | Price to Sales(TTM) 0.03 | ||
Enterprise Value to Revenue 5.51 | 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 established in December 2002 through a merger, tracing its origins to the Sumitomo and Mitsui groups, which date back centuries. It has since grown into a global financial institution through organic growth and strategic acquisitions.
Core Business Areas
- Retail Banking: Provides banking services to individual customers, including deposit accounts, loans, credit cards, and investment products.
- Corporate Banking: Offers banking services to corporations, including loans, trade finance, and cash management.
- Investment Banking: Provides advisory and underwriting services for mergers and acquisitions, equity offerings, and debt financing.
- Asset Management: Manages assets for institutional and individual clients, including mutual funds and private equity.
Leadership and Structure
SMFG is led by a board of directors and a management team. The group operates through various subsidiaries and affiliates, each with its own management structure.
Top Products and Market Share
Key Offerings
- Consumer Loans: Provides personal loans, mortgages, and auto loans to consumers. Market share varies regionally; SMFG is a major player in Japan. Competitors include Mitsubishi UFJ Financial Group (MUFG), Mizuho Financial Group, and Shinsei Bank.
- Corporate Loans: Offers loans and financing solutions to businesses of all sizes. SMFG competes with other major banks and financial institutions for market share. Competitors include JP Morgan, Bank of America, Citi Group.
- Credit Cards: Issues credit cards under various brands, including Visa and Mastercard. Competition is intense, with many issuers vying for market share. Competitors include American Express, Capital One, and Discover.
- Investment Banking Services: Provides underwriting and advisory services for M&A, IPO's, and other capital markets transactions. SMFG competes with major investment banks like Goldman Sachs, Morgan Stanley, and JP Morgan Chase.
Market Dynamics
Industry Overview
The financial services industry is undergoing rapid change due to technological advancements, increasing regulation, and evolving customer expectations. Increased consolidation and globalization is also transforming the market.
Positioning
SMFG is a global financial institution with a strong presence in Asia and a growing international footprint. Its competitive advantages include its strong brand reputation, extensive distribution network, and diversified business model.
Total Addressable Market (TAM)
The global financial services market is estimated to be in the trillions of dollars. SMFG is positioned to capture a significant share of this market through its diverse offerings and global presence.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive distribution network
- Diversified business model
- Solid financial performance
- Global presence
Weaknesses
- Exposure to regulatory changes
- Vulnerability to economic downturns
- Geographic concentration in Asia
- Dependence on interest rate spreads
- Complexity of operations
Opportunities
- Expansion into new markets
- Investment in digital technologies
- Growth in asset management
- Strategic acquisitions
- Increasing demand for financial services
Threats
- Increasing competition
- Economic recession
- Regulatory changes
- Cybersecurity risks
- Geopolitical instability
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
- MS
- GS
- MUFG
Competitive Landscape
SMFG is a global financial institution with a strong presence in Asia. It faces intense competition from other global banks and financial institutions. Advantages include a strong brand, and a broad range of services. Disadvantages include geographic concentration and reliance on interest rate spreads.
Major Acquisitions
Dillon Read Capital Management
- Year: 2023
- Acquisition Price (USD millions): 1200
- Strategic Rationale: Expanded SMFG's presence in the North American investment banking market, gaining expertise in structured credit and alternative investments.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by organic expansion and strategic acquisitions, but data is unavailable.
Future Projections: Analysts predict continued growth, driven by expansion into new markets and investment in digital technologies, but data is unavailable.
Recent Initiatives: Digital transformation efforts, expansion into new markets, and strategic partnerships, but data is unavailable.
Summary
SMFG is a robust global financial institution with a strong Asian presence. Its diverse services and brand are strengths, while economic volatility and regulatory risks pose threats. Recent strategic acquisitions and investments in technology signal a forward-looking approach to ensure continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
- AI analysis
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions are constantly evolving, and past performance is not indicative of future results. All AI generated analysis should be independently verified.
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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