Sumitomo Mitsui Financial Group, Inc. (SMFG) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2025, filed Jun 27, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SMFG SEC filings page.
This page shows Sumitomo Mitsui Financial Group, Inc. (SMFG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Sumitomo Mitsui Financial Group, Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Sumitomo Mitsui Financial Group, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass.
Key Financial Metrics
Earnings & Revenue
Sumitomo Mitsui Financial Group, Inc. reported $3.2B in net income in fiscal year 2025. This represents a decrease of 44.8% from the prior year.
Sumitomo Mitsui Financial Group, Inc. earned $0.82 per diluted share (EPS) in fiscal year 2025.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Sumitomo Mitsui Financial Group, Inc. generated $19.8B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 226.5% from the prior year.
Sumitomo Mitsui Financial Group, Inc. held $502.0B in cash against $84.7B in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Sumitomo Mitsui Financial Group, Inc.'s ROE was 2.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.5 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Sumitomo Mitsui Financial Group, Inc. spent $1.7B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 20.1% from the prior year.
Sumitomo Mitsui Financial Group, Inc. invested $657.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 17.0% from the prior year.
Not reported for fiscal year 2025.
SMFG Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|---|
| R&D Expenses | N/A | $0n/m | $0-100.0% | $288K-46.9% | $542K-25.2% | $725K-51.9% | $1.5M+90.8% | $791K-1.0% | $799K-56.6% | $1.8M |
| Interest Expense | $28.0B+4.6% | $26.8B+83.3% | $14.6B+484.6% | $2.5B-30.4% | $3.6B-64.6% | $10.1B-1.3% | $10.3B+41.4% | $7.3B+61.2% | $4.5B+17.6% | $3.8B |
| Income Tax | $919.3M-55.4% | $2.1B-16.0% | $2.5B+84.8% | $1.3B-41.5% | $2.3B+372.1% | $481.4M-71.1% | $1.7B-22.9% | $2.2B+72.2% | $1.3B-62.2% | $3.3B |
| Net Income | $3.2B-44.8% | $5.8B-15.9% | $6.9B+67.0% | $4.1B-33.8% | $6.2B+234.1% | $1.9B-62.0% | $4.9B-31.6% | $7.2B+27.0% | $5.6B-24.9% | $7.5B |
| EPS (Basic) | $0.82 | $1.45-13.7% | $1.68 | $3.00-33.8% | $4.54+235.3% | $1.35-61.4% | $3.50-31.0% | $5.07+23.3% | $4.12-25.0% | $5.49 |
| EPS (Diluted) | $0.82 | $1.45-13.7% | $1.68 | $3.00-33.8% | $4.53+235.3% | $1.35-61.4% | $3.50-30.9% | $5.07+23.3% | $4.11-25.0% | $5.49 |
| Diluted Shares (Avg) | 3.91B | 3.99B-2.6% | 4.10B | 1.37B0.0% | 1.37B-0.4% | 1.38B-1.6% | 1.40B-0.9% | 1.41B+3.0% | 1.37B+0.2% | 1.37B |
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, SG&A Expenses, Operating Income, EBITDA.
SMFG Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.9T+4.8% | $1.9T-4.2% | $1.9T-5.0% | $2.0T-3.8% | $2.1T+7.7% | $2.0T+11.7% | $1.8T-2.4% | $1.8T+5.5% | $1.7T | N/A |
| Cash & Equivalents | $502.0B-2.0% | $512.1B-9.8% | $567.6B-7.3% | $612.2B-5.4% | $646.9B+13.6% | $569.2B+11.1% | $512.4B+1.9% | $503.0B+21.2% | $415.1B+10.8% | $374.7B |
| Goodwill | $1.9B-4.8% | $2.0B-1.7% | $2.0B-37.2% | $3.3B+77.0% | $1.8B-18.7% | $2.3B+16.3% | $1.9B-24.4% | $2.6B-32.7% | $3.8B-6.6% | $4.1B |
| Total Liabilities | $1.8T+4.9% | $1.8T-4.7% | $1.8T-5.1% | $1.9T-3.8% | $2.0T+7.6% | $1.9T+12.7% | $1.7T-1.9% | $1.7T+5.1% | $1.6T | N/A |
| Long-Term Debt | $84.7B-20.5% | $106.5B-8.0% | $115.8B-31.7% | $169.5B-3.5% | $175.6B+10.3% | $159.2B+44.8% | $109.9B+9.6% | $100.3B-8.7% | $109.9B | N/A |
| Total Equity | $110.0B+2.2% | $107.7B+5.6% | $102.0B-3.1% | $105.3B-5.2% | $111.0B+17.1% | $94.8B-1.8% | $96.5B-3.9% | $100.4B+12.6% | $89.2B-9.2% | $98.2B |
| Retained Earnings | $52.3B+1.8% | $51.4B-5.3% | $54.2B+2.4% | $53.0B-3.6% | $55.0B+5.3% | $52.2B+1.0% | $51.6B+6.5% | $48.5B+17.2% | $41.4B | N/A |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.
SMFG Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $20.5B+198.4% | $6.9Bn/m | -$39.5B-194.0% | $42.0B-74.6% | $165.6B+100.5% | $82.6B+228.2% | $25.2B-76.1% | $105.2B+213.3% | $33.6Bn/m | -$17.0B |
| Depreciation & Amortization | $2.2B+0.4% | $2.2B-7.8% | $2.4B-8.2% | $2.6B-5.7% | $2.8B-4.9% | $2.9B+49.1% | $2.0B-32.3% | $2.9B+7.9% | $2.7B+18.9% | $2.3B |
| Capital Expenditures | $657.1M-17.0% | $791.6M+19.4% | $662.8M-1.1% | $670.0M | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | $19.8B+226.5% | $6.1Bn/m | -$40.1B-197.1% | $41.3B | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$30.2Bn/m | -$5.4B-112.4% | $43.7Bn/m | -$21.9Bn/m | -$70.3Bn/m | -$27.8B-356.4% | $10.9Bn/m | -$33.8B-542.7% | $7.6B-84.3% | $48.8B |
| Financing Cash Flow | -$4.1B-471.7% | $1.1Bn/m | -$3.5Bn/m | -$4.9Bn/m | -$6.2Bn/m | -$10.5Bn/m | -$6.6Bn/m | -$3.4Bn/m | -$1.6Bn/m | -$584.0M |
| Dividends Paid | $2.7B+19.5% | $2.3B+1.3% | $2.3B+0.7% | $2.3B-6.6% | $2.4B+1.5% | $2.4B+7.2% | $2.2B+7.8% | $2.1B+11.8% | $1.8B-2.4% | $1.9B |
| Share Buybacks | $1.7B+20.1% | $1.4B+33.7% | $1.0B+169248.2% | $618K+10.2% | $561K-99.9% | $930.8M+47.0% | $633.3M+47263.9% | $1.3M+49.0% | $898K-47.4% | $1.7M |
Not reported in any period shown, so not listed: Stock-Based Compensation.
SMFG Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity | 2.9%-2.5pp | 5.4%-1.4pp | 6.7%+2.8pp | 3.9%-1.7pp | 5.6%+3.6pp | 2.0%-3.1pp | 5.1%-2.1pp | 7.1%+0.8pp | 6.3%-1.3pp | 7.6% |
| Return on Assets | 0.2%-0.1pp | 0.3%0.0pp | 0.4%+0.1pp | 0.2%-0.1pp | 0.3%+0.2pp | 0.1%-0.2pp | 0.3%-0.1pp | 0.4%+0.1pp | 0.3% | N/A |
| Debt-to-Equity | 0.77-0.2x | 0.99-0.1x | 1.14-0.5x | 1.610.0x | 1.58-0.1x | 1.68+0.5x | 1.14+0.1x | 1.00-0.2x | 1.23 | N/A |
| Liabilities-to-Equity | 16.72+0.4x | 16.28-1.8x | 18.04-0.4x | 18.42+0.3x | 18.14-1.6x | 19.75+2.5x | 17.20+0.4x | 16.85-1.2x | 18.05 | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Current Ratio, Asset Turnover, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Sumitomo Mitsui Financial Group, Inc. SMFG | FY2025 | N/A | $3.2B | N/A | $153.8B | — |
| Toronto Dominion Bank TD | FY2025 | $48.4B | $14.7B | 30.3% | $203.6B | 41/100 |
| UBS Group AG UBS | FY2025 | $49.6B | $7.8B | 15.7% | $146.7B | 31/100 |
| Bank of Montreal BMO | FY2025 | $25.9B | $6.2B | 24.0% | $118.5B | 34/100 |
| Banco Santander S.A. SAN | FY2025 | N/A | $16.5B | N/A | $192.1B | — |
| Mitsubishi UFJ Financial Group, Inc. MUFG | FY2026 | $43.6B | $10.9B | 24.9% | $245.0B | 32/100 |
Where Sumitomo Mitsui Financial Group, Inc. Ranks
Frequently Asked Questions
Is Sumitomo Mitsui Financial Group, Inc. profitable?
Yes, Sumitomo Mitsui Financial Group, Inc. (SMFG) reported a net income of $3.2B in fiscal year 2025.
How much debt does Sumitomo Mitsui Financial Group, Inc. have?
As of fiscal year 2025, Sumitomo Mitsui Financial Group, Inc. (SMFG) had $502.0B in cash and equivalents against $84.7B in long-term debt.
What is Sumitomo Mitsui Financial Group, Inc.'s return on equity (ROE)?
Sumitomo Mitsui Financial Group, Inc. (SMFG) has a return on equity of 2.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Sumitomo Mitsui Financial Group, Inc.'s free cash flow?
Sumitomo Mitsui Financial Group, Inc. (SMFG) generated $19.8B in free cash flow during fiscal year 2025. This represents a 226.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Sumitomo Mitsui Financial Group, Inc.'s operating cash flow?
Sumitomo Mitsui Financial Group, Inc. (SMFG) generated $20.5B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Sumitomo Mitsui Financial Group, Inc.'s total assets?
Sumitomo Mitsui Financial Group, Inc. (SMFG) had $1.9T in total assets as of fiscal year 2025, including both current and long-term assets.
What are Sumitomo Mitsui Financial Group, Inc.'s capital expenditures?
Sumitomo Mitsui Financial Group, Inc. (SMFG) invested $657.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Sumitomo Mitsui Financial Group, Inc.'s debt-to-equity ratio?
Sumitomo Mitsui Financial Group, Inc. (SMFG) had a debt-to-equity ratio of 0.77 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is Sumitomo Mitsui Financial Group, Inc.'s liabilities-to-equity ratio?
Sumitomo Mitsui Financial Group, Inc. (SMFG) had a liabilities-to-equity ratio of 16.72 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is Sumitomo Mitsui Financial Group, Inc.'s return on assets (ROA)?
Sumitomo Mitsui Financial Group, Inc. (SMFG) had a return on assets of 0.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Sumitomo Mitsui Financial Group, Inc.'s P/E ratio?
Sumitomo Mitsui Financial Group, Inc. (SMFG) trades at 48.2x earnings, its market capitalization divided by $3.2B net income, FY2025. The market capitalization is $153.8B as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Sumitomo Mitsui Financial Group, Inc.'s price-to-sales ratio?
Sumitomo Mitsui Financial Group, Inc. (SMFG) has no price-to-sales ratio at the moment: no revenue reported. The market capitalization is $153.8B as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Sumitomo Mitsui Financial Group, Inc.'s Piotroski F-Score?
Sumitomo Mitsui Financial Group, Inc. (SMFG) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.