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Sumitomo Mitsui Financial SMFG

$25.51
−$0.34 (-1.32%)
Market open · Sep 24, 1:10 pm ET
After hours $25.86 +0.04%
Open$25.41
Prev close$25.85
Day range$25.30 – $25.58
Volume744.6K
Market cap$161.49B
P/E (TTM)15.1
Dividend yield2.20%

Fundamentals

Latest reported quarter: Q1, ended Jun 2026 · reported in JPY

Revenue¥1.58T+28.5% YoY
Net profit¥506.05B+33.4% YoY
Diluted EPS¥78.95+35.0% YoY

Revenue, last 8 quarters

¥1.4TSep '24¥1.2TDec '24¥1.3TMar '25¥1.2TJun '25¥1.5TSep '25¥1.5TDec '25¥1.6TMar '26¥1.6TJun '26

Net profit, last 8 quarters

¥356.4BSep '24¥412.6BDec '24¥44.5BMar '25¥379.3BJun '25¥558.7BSep '25¥454.3BDec '25¥192.5BMar '26¥506.0BJun '26

Diluted EPS by quarter

54.23Sep '2463.12Dec '246.94Mar '2558.46Jun '2586.72Sep '2572.08Dec '2529.86Mar '2678.95Jun '26

Annual revenue

¥3.1TFY21¥3.4TFY22¥3.7TFY23¥4.4TFY24¥5.1TFY25¥5.8TFY26

Profitability & balance sheet

Net margin27.8%
Return on equity11.2%
Return on assets0.5%
Liabilities / assets95.0%
Cash & investments¥71.46T
Total debt¥32.00T
Net cash (debt)¥39.46T

This company reports in its own local currency, not U.S. dollars. Every figure below is labeled with its real currency, not automatically converted.

Income statement

Line item 2027 Q1
(JPY)
2026 ANNUAL
(JPY)
2026 Q4
(JPY)
2026 Q3
(JPY)
2026 Q2
(JPY)
Total Operating Revenue ¥1.58T ¥5.79T ¥1.57T ¥1.49T ¥1.51T
Net Interest Income ¥791.89B ¥2.72T ¥773.46B ¥663.24B ¥656.65B
-Interest Income ¥1.94T ¥7.22T ¥1.89T ¥1.81T ¥1.81T
-Interest Expense ¥1.14T ¥4.51T ¥1.12T ¥1.15T ¥1.15T
Non-Interest Income ¥785.48B ¥3.07T ¥795.10B ¥821.98B ¥853.32B
-Fees and Commissions ¥477.20B ¥1.83T ¥522.63B ¥474.77B ¥433.38B
-Trading Gain Loss ¥84.93B ¥199.44B ¥15.97B ¥41.63B ¥84.22B
-Other Non-Interest Income ¥223.34B ¥520.43B -¥263.26B ¥305.59B ¥335.72B
-Gain Loss on Sale of Assets ¥0.00 ¥519.76B ¥519.76B ¥0.00 ¥0.00
Credit Losses Provision -¥74.77B -¥388.40B -¥171.62B -¥126.61B -¥14.52B
Non-Interest Expense ¥840.52B ¥3.24T ¥1.02T ¥767.64B ¥722.53B
Selling and Admin Expenses ¥712.20B ¥2.65T ¥752.28B ¥670.45B ¥629.11B
-General & Admin Expense ¥712.20B ¥2.65T ¥752.28B ¥670.45B ¥629.11B
Other Non-Interest Expenses ¥128.33B ¥587.38B ¥271.42B ¥97.19B ¥93.42B
Other Income (Expense) ¥29.45B ¥87.45B -¥15.74B ¥27.78B ¥20.98B
Income from Associates & Other Participating Interests ¥31.06B ¥137.70B ¥29.68B ¥29.96B ¥21.87B
Special Income (Charges) -¥1.62B -¥50.25B -¥45.42B -¥2.19B -¥887.00M
-Less:Other Special Charges ¥1.62B -¥1.72B -¥6.56B ¥2.19B ¥887.00M
Pretax Profit ¥691.52B ¥2.25T ¥357.51B ¥618.75B ¥793.90B
Tax ¥185.47B ¥666.91B ¥165.04B ¥164.46B ¥235.17B
Net Profit ¥506.05B ¥1.58T ¥192.46B ¥454.29B ¥558.73B
Profit from Continuing Operations ¥506.05B ¥1.58T ¥192.46B ¥454.29B ¥558.73B
Minority Interests ¥4.67B ¥1.84B ¥4.26B -¥6.97B ¥2.12B
Net Income to Parent Company ¥501.37B ¥1.58T ¥188.21B ¥461.26B ¥556.61B
Net Income to Common Stockholders ¥501.37B ¥1.58T ¥188.21B ¥461.26B ¥556.61B
Basic EPS ¥78.97 ¥247.18 ¥29.86 ¥72.10 ¥86.74
Diluted EPS ¥78.95 ¥247.13 ¥29.86 ¥72.08 ¥86.72
Dividend Per Share ¥0.00 ¥91.31 ¥46.74 ¥0.00 ¥44.57
-Less:Impairment of Capital Assets ¥4.50B
-Gain on Sale of Business -¥47.48B

Balance sheet

Line item 2027 Q1
(JPY)
2026 ANNUAL
(JPY)
2026 Q4
(JPY)
2026 Q3
(JPY)
2026 Q2
(JPY)
Total Assets ¥327.47T ¥328.51T ¥328.51T ¥316.73T ¥305.91T
Cash, Cash Equivalents & Federal Funds Sold ¥92.05T ¥94.06T ¥94.06T ¥88.77T ¥88.28T
-Cash and Cash Equivalents ¥71.46T ¥73.70T ¥73.70T ¥69.26T ¥72.60T
-Money Market Investments ¥20.55T ¥20.10T ¥20.10T ¥19.47T ¥15.65T
-Restricted Cash and Investments ¥39.40B ¥262.26B ¥262.26B ¥36.59B ¥34.64B
Securities Investment ¥64.18T ¥52.89T ¥52.89T ¥62.08T ¥57.56T
-Trading Securities ¥18.02T ¥6.83T ¥6.83T ¥15.31T ¥12.35T
-Available for Sale Securities ¥46.16T ¥46.05T ¥46.05T ¥46.77T ¥45.21T
Securities Lent ¥4.29T ¥6.25T ¥6.25T ¥5.75T ¥6.68T
Net Loan ¥126.25T ¥124.50T ¥124.50T ¥122.90T ¥117.94T
-Gross Loan ¥127.20T ¥125.51T ¥125.51T ¥123.85T ¥118.83T
-Allowance for Loans and Lease Losses ¥949.78B ¥1.01T ¥1.01T ¥948.02B ¥890.82B
Receivables ¥214.85B ¥231.43B ¥231.43B ¥216.86B ¥220.84B
-Other Receivables ¥214.85B ¥231.43B ¥231.43B ¥216.86B ¥220.84B
Net PPE ¥1.09T ¥1.07T ¥1.07T ¥1.05T ¥1.02T
Goodwill and Other Intangible Assets ¥1.18T ¥1.15T ¥1.15T ¥1.07T ¥1.05T
Acceptance Bills ¥17.94T ¥17.03T ¥17.03T ¥16.09T ¥15.56T
Defined Pension Benefit ¥1.32T ¥1.30T ¥1.30T ¥1.03T ¥1.02T
Deferred Assets ¥111.84B ¥109.61B ¥109.61B ¥97.99B ¥90.05B
Other Assets ¥18.85T ¥20.05T ¥20.05T ¥17.67T ¥16.50T
Total Liabilities ¥311.23T ¥312.58T ¥312.58T ¥300.95T ¥290.60T
Total Deposits ¥200.35T ¥201.34T ¥201.34T ¥193.25T ¥186.09T
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase ¥24.57T ¥23.76T ¥23.76T ¥26.09T ¥26.58T
Short-Term Debt and Capital Lease Obligation ¥5.88T ¥7.04T ¥7.04T ¥6.84T ¥7.01T
-Current Debt ¥5.88T ¥7.04T ¥7.04T ¥6.84T ¥7.01T
Derivative liabilities ¥1.40T ¥1.14T ¥1.14T ¥1.66T ¥1.94T
Trading Liabilities ¥13.93T ¥4.13T ¥4.13T ¥12.15T ¥10.17T
Payables ¥1.19T ¥956.17B ¥956.17B ¥1.51T ¥1.16T
-Other Payable ¥1.19T ¥956.17B ¥956.17B ¥1.51T ¥1.16T
Long Term Debt and Capital Lease Obligation ¥26.12T ¥25.51T ¥25.51T ¥24.77T ¥24.72T
-Long Term Debt ¥26.12T ¥25.51T ¥25.51T ¥24.77T ¥24.72T
Non-Current Liabilities ¥337.18B ¥332.54B ¥332.54B ¥273.51B ¥277.61B
Employee Benefits ¥97.74B ¥187.50B ¥187.50B ¥124.97B ¥117.31B
Non-Current Deferred Liabilities ¥705.23B ¥645.47B ¥645.47B ¥688.30B ¥613.08B
Other Liabilities ¥36.65T ¥38.57T ¥38.57T ¥33.57T ¥31.92T
Total Equity ¥16.24T ¥15.93T ¥15.93T ¥15.79T ¥15.30T
Stockholders' Equity ¥16.10T ¥15.79T ¥15.79T ¥15.65T ¥15.17T
Capital Stock ¥2.35T ¥2.35T ¥2.35T ¥2.35T ¥2.35T
-Common Stock ¥2.35T ¥2.35T ¥2.35T ¥2.35T ¥2.35T
Additional Paid-In Capital ¥582.91B ¥582.91B ¥582.91B ¥586.97B ¥612.35B
Retained Earnings ¥9.07T ¥8.87T ¥8.87T ¥8.82T ¥8.66T
Less: Treasury Stock ¥163.83B ¥48.85B ¥48.85B ¥127.29B ¥38.64B
Gains/Losses Not Affecting Retained Earnings ¥4.26T ¥4.03T ¥4.03T ¥4.02T ¥3.58T
Other Equity Interests ¥593.00M ¥594.00M ¥594.00M ¥642.00M ¥645.00M
Minority Interests ¥141.35B ¥147.09B ¥147.09B ¥134.88B ¥137.85B
Derivative Assets ¥9.87T ¥9.87T
-Gross PPE ¥1.07T ¥1.07T
-Goodwill ¥242.39B ¥242.39B
-Other Intangible Assets ¥908.65B ¥908.65B
Derivative Product Liabilities ¥8.96T ¥8.96T

Cash flow

Line item 2026 ANNUAL
(JPY)
2025 ANNUAL
(JPY)
2024 ANNUAL
(JPY)
2023 ANNUAL
(JPY)
2022 ANNUAL
(JPY)
Operating Cash Flow -¥10.28T ¥4.85T ¥642.86B -¥5.90T ¥1.55T
Net cash flow from continuing operations -¥10.28T ¥4.85T ¥642.86B -¥5.90T ¥1.55T
Net Income from Continuing Operations ¥2.25T ¥1.70T ¥1.34T ¥1.10T ¥929.59B
Gain/Loss from Continuing Operations -¥1.29T -¥442.32B -¥1.14T -¥783.97B -¥838.73B
Depreciation & Depletion & Amortization ¥291.08B ¥280.78B ¥293.07B ¥267.93B ¥241.92B
Other Non-Cash Items -¥2.75T -¥1.86T -¥874.24B -¥1.62T -¥1.83T
Change in Working Capital -¥11.20T ¥3.28T -¥725.11B -¥6.15T ¥1.67T
-Change in Receivables ¥16.97B -¥16.99B ¥48.28B ¥20.82B ¥26.25B
-Change in Payables and Accrued Expense -¥85.49B -¥204.54B -¥525.79B -¥30.41B ¥122.65B
-Change in Loans -¥15.96T -¥7.03T -¥5.54T -¥16.90T -¥828.82B
-Change in Other Current Assets ¥701.15B -¥646.94B -¥107.62B ¥888.30B -¥626.26B
-Change in Other Current Liabilities -¥341.17B -¥1.10T ¥1.40T ¥244.71B ¥99.79B
-Change in Other Working Capital ¥4.46T ¥12.28T ¥4.00T ¥9.63T ¥2.88T
Net cash flow from investing ¥3.25T -¥4.51T -¥918.90B ¥5.93T -¥2.41T
Net Cash Flow from Continuing Investing Activities ¥3.25T -¥4.51T -¥918.90B ¥5.93T -¥2.41T
Net PPE Purchase and Sale -¥173.49B -¥103.93B -¥139.30B -¥91.16B -¥91.41B
Net Intangibles Purchase and Sale -¥292.41B -¥256.04B -¥250.19B -¥199.11B -¥195.60B
Net Business Purchase and Sale ¥69.55B ¥957.00M ¥52.26B ¥0.00 -¥227.32B
Net Investment Purchase and Sale ¥3.65T -¥4.15T -¥571.07B ¥6.23T -¥1.89T
Net Other Investing Changes -¥4.24B -¥8.61B -¥10.60B -¥13.10B -¥1.00M
Financing Cash Flow -¥46.36B -¥480.15B ¥280.69B -¥357.78B -¥485.34B
Net Cash Flow from Continuing Financing Activities -¥46.36B -¥480.15B ¥280.70B -¥357.78B -¥485.34B
Net Issuance Payments of Debt ¥747.78B ¥189.38B ¥951.66B ¥84.00B -¥211.02B
Net Common Stock Issuance -¥250.36B -¥251.45B -¥211.22B -¥138.51B ¥246.00M
Cash Dividends Paid -¥540.07B -¥412.12B -¥348.01B -¥301.60B -¥274.06B
Net Other Financing Activities -¥3.70B -¥5.96B -¥111.74B -¥1.67B -¥509.00M
Ending Cash Balance ¥59.43T ¥66.19T ¥66.38T ¥65.86T ¥65.83T
Net Change in Cash -¥7.08T -¥144.63B ¥4.65B -¥321.90B -¥1.35T
Beginning Cash Balance ¥66.19T ¥66.38T ¥65.86T ¥65.83T ¥66.81T
Effect of Exchange Rate Changes ¥319.36B -¥48.03B ¥511.43B ¥354.08B ¥367.58B
Free Cash Flow -¥10.76T ¥4.48T ¥250.98B -¥6.19T ¥1.26T
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