Sumitomo Mitsui Trust Holdings, Inc. (8309) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

The Chiba Bank, Ltd.

Mitsubishi UFJ Financial Group, Inc.

Sumitomo Mitsui Financial Group, Inc.

Mizuho Financial Group, Inc.

Fukuoka Financial Group, Inc.

Seven Bank Ltd.

Kyushu Financial Group, Inc.

The 77 Bank, Ltd.

Sumitomo Mitsui Trust Holdings, Inc.

Mebuki Financial Group, Inc.

The Shiga Bank, Ltd.

Why is Sumitomo Mitsui Trust Holdings, Inc. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.95% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.95% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.20% signifying low profitability per unit of total assets

Healthy long term growth as Net profit has grown by an annual rate of 9.60%

The company has declared Positive results for the last 4 consecutive quarters

ROCE(HY) Highest at 0.36%
NET PROFIT(9M) Higher at JPY 194,013.78 MM
CASH AND EQV(HY) Highest at JPY 50,641,374 MM

With ROA of 0.30%, it has a very attractive valuation with a 0.89 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 20.47%, its profits have risen by 225% ; the PEG ratio of the company is 0.1

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Sumitomo Mitsui Trust Holdings, 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 Trust Holdings, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Sumitomo Mitsui Trust Holdings, Inc.

20.47%

460.57

27.16%

Japan Nikkei 225

28.54%

1.11

25.75%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

18.80%

EBIT Growth (5y)

3.51%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

43.11%

Pledged Shares

Institutional Holding

0.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.89

EV to EBIT

-6.30

EV to EBITDA

-5.27

EV to Capital Employed

1.26

EV to Sales

-1.38

PEG Ratio

0.05

Dividend Yield

ROCE (Latest)

-19.96%

ROE (Latest)

8.32%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

ROCE(HY)

Highest at 0.36%

NET PROFIT(9M)

Higher at JPY 194,013.78 MM

CASH AND EQV(HY)

Highest at JPY 50,641,374 MM

-6What is not working for the Company

ROCE(HY)

Lowest at 0.36%

CREDIT DEPOSIT RATIO(HY)

Lowest at 63.72%

OPERATING PROFIT(Q)

Lowest at JPY 61,036 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 20.72 %

Here's what is working for Sumitomo Mitsui Trust Holdings, Inc.

Net Profit

At JPY 194,013.78 MM has Grown at 82.25%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

Cash and Eqv

Highest at JPY 50,641,374 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Net Profit

Higher at JPY 194,013.78 MM

than preceding 12 month period ended Jun 2025

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (JPY MM)

Here's what is not working for Sumitomo Mitsui Trust Holdings, Inc.

Credit Deposit Ratio

Lowest at 63.72% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Operating Profit

Lowest at JPY 61,036 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (JPY MM)

Operating Profit Margin

Lowest at 20.72 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales