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Sumitomo Mitsui Trust Holdings

SUTNY
53
Banks - Regional · Financial Services
Price
$5.80
+0.05 (+0.87%)
Market Cap
$32.24B
Exchange
Other OTC
Winston Score
53
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Sep 7, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Good
Growth
Good
Cash Flow
Weak
Stability
Weak
Valuation
Exceptional
Dividends
Strong
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Share count falling — buybacks

−6.2% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 3.75B (2022) → 3.52B (2026)

§Winston Score History

The full picture

Sumitomo Mitsui Trust Holdings is one of Japan's largest trust banking groups. It offers banking services like loans and deposits, but its specialty is trust and asset management — handling money, real estate, and other assets on behalf of clients. Its customers include individual savers, corporations, pension funds, and institutional investors across Japan.

The company earns revenue from interest on loans, fees for managing assets, and trust-related services like estate planning and stock transfer agency work. It operates primarily in Japan with a market cap around $32 billion, making it one of Asia's biggest trust banks. Its deep expertise in trust services gives it a strong competitive position that general banks find hard to replicate. Key growth drivers include Japan's aging population increasing demand for wealth management and inheritance services, though persistently low interest rates and slow domestic economic growth remain ongoing risks.

Growth Profile

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

Revenue Growth

+32.2% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-59.5% 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

80.8%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

¥77.0T cash & investments

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

Revenue accelerating

Sumitomo Mitsui Trust Holdings grew revenue 32% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

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.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
57.2%
Premium pricing power — 57.2% gross margin
Profit after running costs
Operating Margin
23.7%
Excellent — 23.7% operating margin
Return on the money invested
ROCE
1.7%
Weak — 1.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth
Sales YoY
+38.8%
Fast-growing sales (+38.8% YoY)
Profit growth
EPS YoY
-32.6%
Earnings shrinking (-32.6% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

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

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Cash Flow

Profit that turns into cash
Cash Conversion
0%
Weak — only 0% of profit becomes cash
Spare cash per sale
FCF Margin
0.0%
Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns
Debt / Equity
5.47
Heavy debt load (5.47)
Covers its interest
Interest Cover
0.29x
Dangerous — barely covers interest (0.3x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit
P/E Ratio (TTM)
13.5x
Attractive valuation — P/E 13.5

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
+8.5
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (13.5 → 5.0)

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Dividends

Dividend
Dividend Yield
2.58%
Moderate income — 2.58% yield

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

Dividend record
Dividend Growth
+31.8%
Dividend growing fast (31.8% YoY)

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