SMFG
Sumitomo Mitsui Financial Group, Inc.Financial Services·Banks - Diversified
$21.97
$83.9B market cap
Revenue
$15213.9B
Free Cash Flow
$-96.7B
Rev Growth
+0.0%
FCF Margin
-0.6%
P/FCF
--
EV/FCF
--
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Sumitomo Mitsui Financial Group, Inc., together with its subsidiaries, provides commercial 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 financing, investment management, risk hedging, and settlement services, as well as financial
2-Year Price History
$22.70+85.6%
Quarterly Financials & Projections
Quarterly Waterfall (JPY M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q3 | 7,934,366 | 1,899,058 | 1,899,058 | 1,392,352 | 0.0 | -50,450 | -0.0 | 84,570,968 | 57,712,005 | 3,848 | 8.8% | 0.6x | -- |
| Act | 2026-Q2 | 2,659,574 | 793,900 | 793,900 | 556,607 | 0.0 | -16,911 | -0.0 | 84,945,678 | 58,316,502 | 3,848 | 3.5% | 0.7x | -- |
| Act | 2026-Q1 | 2,313,976 | 481,574 | 481,574 | 376,898 | 0.0 | -14,713 | -0.0 | 83,077,274 | 55,628,881 | 3,875 | 2.5% | 0.4x | -- |
| Act | 2025-Q4 | 2,305,988 | 87,495 | 87,495 | 42,025 | 0.0 | -14,663 | -0.0 | 103,772,717 | 58,297,696 | 3,875 | 0.4% | 0.1x | -- |
Historical Valuation
Multiples vs the company's own history — cheap or rich relative to itself? Historical fiscal years, then TTM, then forward projections (E). Forward rows hold today's price against projected earnings, so the multiple compresses if the company grows into it.
| Year | Price | Rev Gr | EBITDA % | EBITDA | EV/EBITDA | EV/FCF | P/E | P/S |
|---|---|---|---|---|---|---|---|---|
| TTM | 21.97 | 0.0% | 21.4% | 3,262,027 | — | — | 0.0× | 0.0× |
EBITDA in reporting-currency $M. Historical multiples use year-end market cap (split-adjusted price history); TTM & forward years use today's.
Valuation & Metrics
Market Stats
Price$21.97
Market Cap$83.9B
Enterprise Value$-13.5T
P/S Ratio0.9x
P/FCF--
EV/FCF--
FCF Margin (TTM)-0.6%
FCF Yield-0.7%
Dividend Yield (TTM)2.7%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$15213.9B
Net Income$2367.9B
Free Cash Flow$-96.7B
Revenue Growth (YoY)+0.0%
EBITDA Margin21.4%
Net Margin15.6%
FCF Margin-0.6%
CapEx % of Revenue0.0%
SBC % of Revenue0.0%
ROIC3.8%
WC Change % Rev-36.3%
Interest Coverage0.5x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares6.6M
Days to Cover3.1
Change (vs Prior)+19.0%
Need at least 2 settlement dates for chart
Employees
Headcount120,000
Revenue / Employee$126,782,533
Gross Profit / Employee$67,024,108
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
2.4%(+0.6% YoY)
427 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
0.4%(+0.1% YoY)
5 filers
Vanguard, iShares, SPDR
Market makers
0.0%(+0.0% YoY)
4 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| MORGAN STANLEY | $453M | $12.09 | +$28.0M | −$240M | -0.3% | $1.65T |
| FMR LLC | $248M | $13.39 | +$6.4M | +$57.8M | -0.0% | $1.89T |
| GOLDMAN SACHS GROUP INC | $211M | $7.39 | −$5.8M | −$11.1M | -0.2% | $760.93B |
| BlackRock, Inc.Passive | $152M | $12.72 | +$10.3M | +$14.2M | -0.2% | $5.69T |
| NORTHERN TRUST CORPPassive | $122M | $14.51 | +$1.8M | +$19.8M | -0.2% | $755.34B |
| Clark Capital Management Group, Inc. | $74.7M | $11.78 | −$6.4M | −$53.6M | +0.4% | $16.21B |
| Fisher Asset Management, LLC | $63.1M | $17.09 | +$30.6M | +$51.8M | +0.1% | $294.89B |
| DIMENSIONAL FUND ADVISORS LPPassive | $61.0M | $8.58 | +$4.3M | +$4.0M | -0.4% | $480.92B |
| AMERICAN CENTURY COMPANIES INC | $59.4M | $14.04 | +$13.2M | +$27.7M | +0.7% | $193.48B |
| ENVESTNET ASSET MANAGEMENT INC | $43.5M | $10.99 | +$2.8M | +$5.5M | -0.2% | $367.84B |
| WELLS FARGO & COMPANY/MN | $42.7M | $15.87 | +$172K | +$3.4M | -0.2% | $497.71B |
| BANK OF AMERICA CORP /DE/ | $36.5M | $13.40 | +$6.3M | +$113K | -0.1% | $1.36T |
| RENAISSANCE TECHNOLOGIES LLC | $34.5M | $14.78 | −$3.5M | +$2.1M | +1.2% | $63.91B |
| FERGUSON WELLMAN CAPITAL MANAGEMENT, INC | $33.8M | $19.75 | +$33.0M | +$33.8M | — | $7.24B |
| Quantinno Capital Management LP | $31.9M | $14.56 | +$4.8M | +$17.6M | -0.4% | $59.83B |
| Capital Wealth Planning, LLC | $25.8M | $15.63 | +$4.4M | +$20.4M | +0.1% | $18.13B |
| CAUSEWAY CAPITAL MANAGEMENT LLC | $25.0M | $16.72 | +$1.8M | +$25.0M | +0.9% | $8.15B |
| JANE STREET GROUP, LLCMM | $24.6M | $8.48 | −$1.5M | +$23.0M | -0.1% | $92.10B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $21.5M | $14.58 | +$4.0M | +$10.1M | +0.7% | $645.81B |
| JPMORGAN CHASE & CO | $17.5M | $11.58 | +$4.1M | −$5.2M | -0.2% | $1.47T |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.04%
avg per quarter
Holders (ex-self)
-0.04%
excl. this stock
Buyers (this Q)
+0.06%
252 buyers · $0.28B in
Sellers (this Q)
+0.09%
115 sellers · $0.05B out
alpha coverage: 100% of $ has a lifetime-alpha record
Holder behavior (holder profile)source: holder
On big dips (−10%+)
-2.7%
how holders react when this stock falls
On quiet Qs
-2.8%
−10% to +10% baseline
On rallies (+10%+)
-18.7%
how they react when this stock rises
Holders' portfolio flow this Q
+4.4%
inflows — adds are organic
Sellers' portfolio flow this Q
+2.4%
Sellers grew AUM elsewhere — opinionated cut of this stock.
Biggest decreases this quarter
D. E. Shaw & Co., Inc.exited−$11.6MClark Capital Management Group, Inc.−$6.4Mα+0.4GOLDMAN SACHS GROUP INC−$5.8Mα-0.2Forum Financial Management, LPexited−$4.1MRENAISSANCE TECHNOLOGIES LLC−$3.5Mα+1.2TUDOR INVESTMENT CORP ET ALexited−$3.3MPARK AVENUE SECURITIES LLCexited−$3.0MABC ARBITRAGE SAexited−$2.5MWalleye Capital LLCexited−$2.2MOLD MISSION CAPITAL LLCexited−$1.5M
Top-5 holders · 48.7%
MORGAN STANLEY--
FMR LLC--
GOLDMAN SACHS GROUP INC--
BlackRock, Inc.--
NORTHERN TRUST CORP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
MORGAN STANLEY23.0MFMR LLC12.6MGOLDMAN SACHS GROUP INC10.7MClark Capital Management Group, Inc.3.8MLAZARD ASSET MANAGEMENT LLC32KPARAMETRIC PORTFOLIO ASSOCIATES LLC—Cowen Investment Management LLC—Fisher Asset Management, LLC3.2MAMERICAN CENTURY COMPANIES INC3.0MWELLS FARGO & COMPANY/MN2.2M
Analyst Coverage
Analyst Coverage
Analyst Ratings
1
3
Buy: 1Hold: 3Consensus: Hold
Corporate
Order Flow (FINRA, ~3w lag)
20.0%retail+3.6pp
15.3%dark-3.7pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
SUMITOMO MITSUI FINANCIAL GROUP: Volatile Fair Value Adjustments and Surging Impairment Charges Masked by Regulatory Accounting Bridges
Overall Risk
4/10
Fraud
2/10
Dilution
2/10
Insolvency
2/10
Earnings Overstated
6/10
Hidden Liabilities
5/10
Legal
4/10
Audit Warnings
2/10
Hidden Upside
6/10
Contextually Acceptable
8/10