Sumitomo Mitsui Trust Group Full Year 2025 Earnings: Beats Expectations

Sumitomo Mitsui Trust Group (TSE:8309) Full Year 2025 Results

Key Financial Results

• Revenue: JP¥1.64t (up 60% from FY 2024).
• Net income: JP¥257.6b (up 225% from FY 2024).
• Profit margin: 16% (up from 7.7% in FY 2024). The increase in margin was driven by higher revenue.
• EPS: JP¥360 (up from JP¥109 in FY 2024).

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8309 Banking Performance Indicators

• Cost-to-income ratio: 51.9% (down from 61.3% in FY 2024).
• Non-performing loans: 0.32% (down from 0.34% in FY 2024).

All figures shown in the chart above are for the trailing 12 month (TTM) period

Sumitomo Mitsui Trust Group Revenues and Earnings Beat Expectations

Revenue exceeded analyst estimates by 1.4%. Earnings per share (EPS) also surpassed analyst estimates by 2.5%.

The primary driver behind last 12 months revenue was the Wholesale Business segment contributing a total revenue of JP¥292.8b (18% of total revenue). Explore how 8309's revenue and expenses shape its earnings.

Looking ahead, revenue is expected to decline by 12% p.a. on average during the next 3 years, while revenues in the Banks industry in Japan are expected to grow by 2.5%.

Performance of the Japanese Banks industry.

The company's shares are up 6.7% from a week ago.

Balance Sheet Analysis

Just as investors must consider earnings, it is also important to take into account the strength of a company's balance sheet. We've done some analysis and you can see our take on Sumitomo Mitsui Trust Group's balance sheet.

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