NYSE : SMFG
Sumitomo Mitsui Financial Group, Inc. — Financial statements
Financials · Banks - Diversified · Japan
Last price 24.2 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 155.41B
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Financial statements
Income statement
Fiscal year April - March; amounts in JPY.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 7.00T | 6.93T | 6.72T | 5.94T | 3.70T | 1.75T |
| Interest Paid on Deposits | 4.16T | 4.10T | 4.20T | 4.05T | 1.94T | 303.72B |
| Net Interest Income | 3.00T | 2.83T | 2.51T | 1.89T | 1.76T | 1.44T |
| Income From Trading Activities | -56.76B | -84.07B | -186.69B | 349.52B | 626.04B | 280.34B |
| Gain (Loss) on Sale of Assets | -46.64B | -46.64B | -12.88B | -93.57B | -11.27B | -2.42B |
| Gain (Loss) on Sale of Investments | 306.61B | 306.61B | -166.06B | 147.57B | 47.85B | 130.30B |
| Other Non-Interest Income | 1.91T | 1.76T | 1.54T | 1.46T | 1.30T | 1.24T |
| Total Non-Interest Income | 2.11T | 1.94T | 1.17T | 1.86T | 1.96T | 1.65T |
| Revenues Before Loan Losses | 5.11T | 4.77T | 3.69T | 3.75T | 3.72T | 3.09T |
| Provision for Loan Losses | 392.16B | 392.16B | 411.28B | 205.10B | 148.46B | 279.98B |
| Revenue | 4.72T | 4.38T | 3.27T | 3.55T | 3.57T | 2.81T |
| Salaries and Employee Benefits | 3.39B | 3.39B | 2.60B | 1.44B | 457.00M | |
| Selling, General & Administrative | 2.65T | 2.54T | 2.30T | 2.16T | 1.91T | 1.74T |
| Other Non-Interest Expense | 412.39B | 398.07B | 433.95B | 328.52B | 188.00B | 281.79B |
| Total Non-Interest Expense | 2.94T | 2.81T | 2.60T | 2.33T | 2.01T | 2.03T |
| EBT Excluding Unusual Items | 1.78T | 1.57T | 677.32B | 1.22T | 1.56T | 778.08B |
| Asset Writedown | -6.20B | -6.20B | -15.04B | -13.82B | -167.14B | -99.52B |
| Other Unusual Items | -7.51B | -7.65B | -160.00M | |||
| Pretax Income | 1.76T | 1.56T | 654.25B | 1.21T | 1.26T | 676.46B |
| Income Tax Expense | 443.30B | 360.07B | 137.80B | 312.04B | 326.03B | 161.39B |
| Earnings From Continuing Operations | 1.32T | 1.19T | 516.44B | 895.75B | 935.85B | 515.08B |
| Minority Interest in Earnings | -9.78B | -7.54B | -6.68B | -8.64B | -12.71B | -4.77B |
| Net Income | 1.31T | 1.19T | 509.77B | 887.11B | 923.14B | 510.30B |
| Preferred Dividends & Other Adjustments | 49.87B | 49.87B | 31.64B | 13.76B | 11.31B | 10.73B |
| Net Income to Common | 1.26T | 1.14T | 478.13B | 873.35B | 911.83B | 499.57B |
| Basic Shares Outstanding | 7.66B | 7.68B | 7.81B | 7.97B | 8.19B | 8.22B |
| Diluted Shares Outstanding | 7.66B | 7.69B | 7.81B | 7.98B | 8.19B | 8.23B |
| EPS (Basic) | 164.84 | 148.03 | 61.20 | 109.52 | 111.35 | 60.74 |
| EPS (Diluted) | 164.81 | 147.99 | 61.18 | 109.49 | 111.31 | 60.72 |
| Dividend Per Share | 78.50 | 78.50 | 61.00 | 45.00 | 40.00 | 35.00 |
| Effective Tax Rate | 25.12% | 23.16% | 21.06% | 25.84% | 25.84% | 23.86% |
Balance sheet
Fiscal year April - March; amounts in JPY.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 71.46T | 70.36T | 73.00T | 75.43T | 73.21T | 72.19T |
| Investment Securities | 71.00T | 61.93T | 57.27T | 45.98T | 39.99T | 47.10T |
| Trading Asset Securities | 18.02T | 12.89T | 11.40T | 13.53T | 10.60T | 7.85T |
| Mortgage-Backed Securities | 3.41T | 4.25T | 3.55T | 2.38T | 1.01T | |
| Total Investments | 89.02T | 78.23T | 72.92T | 63.06T | 52.97T | 55.95T |
| Gross Loans | 127.41T | 140.24T | 132.03T | 128.52T | 118.83T | 107.92T |
| Allowance for Loan Losses | -949.78B | -1.24T | -1.10T | -979.00B | -864.11B | -993.05B |
| Other Adjustments to Gross Loans | -603.14B | -530.93B | -490.65B | -388.58B | -324.83B | |
| Net Loans | 126.46T | 138.40T | 130.39T | 127.05T | 117.58T | 106.60T |
| Property, Plant & Equipment | 1.09T | 1.37T | 1.32T | 1.35T | 1.83T | 1.76T |
| Goodwill | 325.09B | 287.51B | 304.56B | 272.01B | 396.28B | |
| Other Intangible Assets | 1.18T | 917.37B | 803.68B | 720.98B | 633.02B | 596.57B |
| Accrued Interest Receivable | 922.19B | 877.09B | 802.74B | 577.71B | 353.67B | |
| Other Receivables | 6.87T | 3.33T | 2.55T | 1.01T | 1.55T | |
| Restricted Cash | 39.40B | 4.62T | 4.11T | 4.94T | 5.16T | 4.77T |
| Other Current Assets | 20.03T | 5.09T | 3.33T | 3.12T | 2.83T | 2.51T |
| Long-Term Deferred Tax Assets | 111.83B | 94.53B | 63.18B | 58.08B | 65.81B | 58.98B |
| Other Long-Term Assets | 18.08T | 2.00T | 1.73T | 1.89T | 1.55T | 1.42T |
| Total Assets | 327.47T | 309.20T | 292.17T | 281.27T | 257.69T | 248.16T |
| Accrued Expenses | 62.33B | 8.92T | 3.95T | 3.99T | 1.95T | 1.89T |
| Interest Bearing Deposits | 200.35T | 170.52T | 157.09T | 144.56T | 139.38T | 131.63T |
| Non-Interest Bearing Deposits | 31.41T | 32.94T | 37.54T | 33.55T | 30.97T | |
| Total Deposits | 200.35T | 201.93T | 190.02T | 182.10T | 172.93T | 162.59T |
| Short-Term Borrowings | 4.60T | 17.05T | 14.31T | 17.06T | 15.29T | 12.10T |
| Current Portion of Long-Term Debt | 28.91T | 32.53T | 36.70T | 29.26T | 23.20T | 29.87T |
| Current Portion of Leases | 80.22B | 81.55B | 84.56B | 76.93B | 76.07B | |
| Current Income Taxes Payable | 338.02B | 239.19B | 170.28B | 41.65B | 51.51B | |
| Other Current Liabilities | 31.88T | 6.11T | 6.28T | 6.25T | 4.36T | 4.07T |
| Long-Term Debt | 25.65T | 18.30T | 19.03T | 20.69T | 21.79T | 20.62T |
| Long-Term Leases | 291.71B | 312.24B | 338.09B | 340.07B | 307.64B | |
| Long-Term Unearned Revenue | 80.85B | 72.57B | 72.97B | 64.82B | 86.52B | |
| Pension & Post-Retirement Benefits | 35.42B | 35.83B | 35.00B | 39.43B | 37.02B | 44.62B |
| Long-Term Deferred Tax Liabilities | 705.23B | 297.92B | 265.77B | 680.34B | 315.93B | 259.28B |
| Other Long-Term Liabilities | 19.04T | 4.95T | 4.38T | 4.25T | 3.75T | 3.41T |
| Total Liabilities | 311.23T | 290.91T | 275.68T | 264.99T | 244.15T | 235.38T |
| Common Stock | 2.35T | 2.35T | 2.35T | 2.34T | 2.34T | 2.34T |
| Additional Paid-In Capital | 582.91B | 635.73B | 663.06B | 663.26B | 645.77B | 645.38B |
| Retained Earnings | 9.07T | 8.59T | 7.84T | 7.77T | 7.20T | 6.43T |
| Treasury Stock | -163.83B | -48.85B | -38.51B | -167.67B | -151.80B | -13.40B |
| Comprehensive Income & Other | 4.26T | 6.59T | 5.53T | 5.53T | 3.39T | 3.28T |
| Total Common Equity | 16.10T | 18.11T | 16.34T | 16.14T | 13.43T | 12.69T |
| Minority Interest | 141.35B | 179.25B | 150.02B | 137.07B | 106.17B | 93.33B |
| Shareholders' Equity | 16.24T | 18.29T | 16.49T | 16.28T | 13.54T | 12.78T |
| Total Liabilities & Equity | 327.47T | 309.20T | 292.17T | 281.27T | 257.69T | 248.16T |
| Total Debt | 59.16T | 68.24T | 70.43T | 67.44T | 60.70T | 62.98T |
| Net Cash (Debt) | 55.17T | 42.21T | 37.46T | 36.98T | 35.26T | 29.72T |
| Net Cash Per Share | 7,204.78 | 5,490.90 | 4,793.35 | 4,636.21 | 4,304.33 | 3,612.36 |
| Filing Date Shares Outstanding | 7.60B | 7.63B | 7.75B | 7.88B | 8.07B | 8.22B |
| Total Common Shares Outstanding | 7.60B | 7.63B | 7.75B | 7.88B | 8.07B | 8.22B |
| Book Value Per Share | 2,119.34 | 2,077.21 | 1,867.70 | 1,862.04 | 1,569.83 | 1,453.48 |
| Tangible Book Value | 14.92T | 16.87T | 15.25T | 15.12T | 12.53T | 11.70T |
| Tangible Book Value Per Share | 1,964.32 | 1,914.45 | 1,726.86 | 1,731.96 | 1,457.66 | 1,332.77 |
Cash flow statement
Fiscal year April - March; amounts in JPY.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 1.56T | 654.25B | 1.21T | 1.26T | 676.46B | |
| Depreciation & Amortization | 154.31B | 165.88B | 338.52B | 322.34B | 321.20B | |
| Other Amortization | 185.12B | 171.03B | ||||
| Gain (Loss) on Sale of Investments | -89.50B | 96.74B | -187.17B | 21.96B | -69.52B | |
| Provision for Credit Losses | 384.15B | 378.79B | 222.89B | 138.18B | 269.06B | |
| Change in Trading Asset Securities | -542.54B | -1.11T | 198.15B | 1.02T | 1.65T | |
| Change in Other Net Operating Assets | -16.24T | -6.26T | -6.89T | -15.49T | -2.01T | |
| Other Operating Activities | -2.61T | 1.06T | -1.61T | -2.00T | -1.85T | |
| Operating Cash Flow | -17.33T | -4.99T | -6.88T | -14.81T | -996.52B | |
| Capital Expenditures | -171.52B | -98.50B | -119.71B | -87.99B | -81.37B | |
| Sale of Property, Plant and Equipment | 11.55B | 7.02B | 1.96B | 8.74B | 280.00M | |
| Cash Acquisitions | 42.81B | -14.56B | -9.99B | -215.69B | ||
| Investment in Securities | 3.17T | -4.17T | -517.38B | 6.08T | -2.17T | |
| Income (Loss) Equity Investments | -132.30B | -142.68B | -160.37B | -87.43B | 10.84B | |
| Divestitures | 1.27B | 71.45B | ||||
| Purchase / Sale of Intangibles | -287.89B | -256.45B | -242.88B | -199.12B | -194.84B | |
| Other Investing Activities | -4.00M | -4.00M | -2.00M | -1.00M | ||
| Investing Cash Flow | 2.76T | -4.53T | -816.55B | 5.80T | -2.66T | |
| Long-Term Debt Issued | 513.97B | 252.51B | 274.55B | 99.98B | 95.53B | |
| Long-Term Debt Repaid | -259.76B | -569.68B | -124.57B | -138.60B | -493.42B | |
| Lease Payments | -88.76B | -96.74B | -94.57B | -90.60B | -95.82B | |
| Net Debt Issued (Repaid) | 254.21B | -317.17B | 149.98B | -38.62B | -397.88B | |
| Issuance of Common Stock | 469.44B | 409.97B | 698.55B | 117.16B | 85.32B | |
| Repurchase of Common Stock | -335.37B | -255.39B | -213.23B | -223.51B | ||
| Common Dividends Paid | -589.94B | -443.76B | -361.77B | -312.91B | -284.79B | |
| Net Increase (Decrease) in Deposit Accounts | 10.87T | 8.05T | 7.92T | 9.57T | 6.10T | |
| Other Financing Activities | 10.64B | -5.96B | -107.34B | -1.67B | -510.00M | |
| Financing Cash Flow | 10.68T | 7.44T | 8.09T | 9.12T | 5.50T | |
| Foreign Exchange Rate Adjustments | 1.28T | -110.72B | 1.71T | 900.47B | 955.32B | |
| Net Cash Flow | -2.61T | -2.19T | 2.09T | 1.00T | 2.80T | |
| Free Cash Flow | -17.51T | -5.08T | -7.00T | -14.90T | -1.08T | |
| Free Cash Flow Margin | -399.75% | -155.26% | -197.35% | -417.75% | -38.35% | |
| Free Cash Flow Per Share | -2,277.58 | -650.61 | -878.13 | -1,819.31 | -131.01 | |
| Free Cash Flow After Leases | -17.60T | -5.18T | -7.10T | -14.99T | -1.17T | |
| Cash Interest Paid | 3.99T | 4.21T | 3.90T | 1.79T | 300.68B | |
| Cash Income Tax Paid | 578.99B | 493.13B | 200.18B | 386.66B | 268.73B |
Ratios
Fiscal year April - March; amounts in JPY.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 151.50B | 120.17B | 98.44B | 77.41B | 53.84B | 44.10B |
| Last Close Price | 24.01 | 19.75 | 15.05 | 11.14 | 7.38 | 5.54 |
| PE Ratio | 19.17 | 16.80 | 30.83 | 13.41 | 7.85 | 10.72 |
| PS Ratio | 5.22 | 4.36 | 4.50 | 3.30 | 2.01 | 1.91 |
| PB Ratio | 1.52 | 1.04 | 0.89 | 0.72 | 0.53 | 0.42 |
| Debt / Equity Ratio | 3.64 | 3.73 | 4.27 | 4.14 | 4.48 | 4.93 |
| Net Debt / Equity Ratio | -3.40 | -2.31 | -2.27 | -2.27 | -2.60 | -2.33 |
| Net Debt / FCF Ratio | 2.41 | 7.37 | 5.28 | 2.37 | 27.57 | |
| Return on Equity (ROE) | 8.57% | 6.87% | 3.15% | 6.01% | 7.11% | 4.11% |
| Return on Assets (ROA) | 0.42% | 0.40% | 0.18% | 0.33% | 0.37% | 0.21% |
| Earnings Yield | 5.22% | 6.21% | 3.46% | 7.58% | 12.90% | 9.53% |
| FCF Yield | -73.17% | -91.62% | -34.49% | -59.82% | -208.21% | -20.13% |
| Dividend Yield | 1.97% | 3.14% | 3.21% | 3.03% | 4.51% | 5.38% |
| Payout Ratio | 37.66% | 49.68% | 87.05% | 40.78% | 33.90% | 55.81% |
| Buyback Yield / Dilution | 1.58% | 1.64% | 2.03% | 2.62% | 0.44% | -0.03% |
| Total Shareholder Return | 3.55% | 4.78% | 5.23% | 5.65% | 4.95% | 5.34% |