ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Sumitomo Mitsui Financial Group, Inc. ?
1
Positive results in Dec 25
- ROCE(HY) Highest at 0.46%
- NII(Q) Highest at JPY 663,237 MM
- NET PROFIT(9M) Higher at JPY 1,398,384.94 MM
2
With ROA of 0.31%, it has a very attractive valuation with a 1.29 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 71.39%, its profits have risen by 22%
3
Majority shareholders : Non Institution
4
Market Beating Performance
- The stock has generated a return of 71.39% in the last 1 year, much higher than market (Japan Nikkei 225) returns of 61.09%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Sumitomo Mitsui Financial Group, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Sumitomo Mitsui Financial Group, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Sumitomo Mitsui Financial Group, Inc.
71.39%
514.55
31.75%
Japan Nikkei 225
61.47%
2.39
25.54%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.70%
EBIT Growth (5y)
17.84%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
40.46%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.29
EV to EBIT
2.01
EV to EBITDA
1.72
EV to Capital Employed
-3.24
EV to Sales
0.49
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
7.53%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
ROCE(HY)
Highest at 0.46%
NII(Q)
Highest at JPY 663,237 MM
NET PROFIT(9M)
Higher at JPY 1,398,384.94 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 64.09%
NET SALES(Q)
Highest at JPY 1,811,930 MM
OPERATING PROFIT(Q)
Highest at JPY 623,756 MM
OPERATING PROFIT MARGIN(Q)
Highest at 34.42 %
-2What is not working for the Company
ROCE(HY)
Lowest at 0.46%
Here's what is working for Sumitomo Mitsui Financial Group, Inc.
NII
Highest at JPY 663,237 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 1,811,930 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 623,756 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 34.42 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 64.09%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
Higher at JPY 1,398,384.94 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (JPY MM)
Depreciation
Highest at JPY 75,708 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
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