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Sumitomo Mitsui Financial Group

SMFG
60
Banks - Diversified · Financial Services
Price
$24.75
-0.01 (-0.04%)
Market Cap
$95.89B
Exchange
New York Stock Exchange
Winston Score
60
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 18, 2026 · filings through Jun 30, 2026

§How the score breaks down

Bank Quality
Not counted
n/a
Growth
Exceptional
17/20
Capital Strength
Not counted
n/a
Asset Quality
Not counted
n/a
Valuation
Strong
8/10
Ownership
Weak
1/15
Dividends
Strong
4/5

30 of 50 counted points = Winston Score 60. Pillars marked n/a do not apply to this company and are left out of the total.

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Share count rising — dilution

+55.7% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 4.11B (2022) → 6.41B (2026)

§Winston Score History

The full picture

Sumitomo Mitsui Financial Group (SMFG) is one of Japan's three largest banking conglomerates. It provides everyday banking, loans, credit cards, leasing, and investment services to individuals, businesses, and governments. Its main brands include Sumitomo Mitsui Banking Corporation (SMBC) and SMBC Nikko Securities, a brokerage arm.

SMFG makes money primarily through interest income on loans, fees from financial services, and trading and investment activities. It operates mainly in Japan but has a growing international presence across Asia, the Americas, and Europe. Its size, deep corporate relationships, and long history in Japan give it a stable customer base that is hard for newcomers to break into. The key growth driver is expanding its overseas lending and investment banking business, particularly in Asia, though rising credit costs and Japan's historically low interest rate environment remain ongoing risks to profitability.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+18.7% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-17.0% YoY

YoY Growth Rate

Earnings declining

R&D Spend

¥0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

¥286.9T cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Sumitomo Mitsui Financial Group is a rare growth stock that's already generating positive cash flow while growing at 19%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+65.9%
Fast-growing sales (+65.9% YoY)
Profit growth
EPS YoY
+104.4%
Earnings growing fast (+104.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
14.7x
Attractive valuation — P/E 14.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+3.6
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (14.7 → 11.1)

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Dividends

Dividend
Dividend Yield
3.41%
Moderate income — 3.41% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+66.3%
Dividend growing fast (66.3% YoY)

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