Sumitomo Mitsui Financial Group Full Year 2025 Earnings: Misses Expectations

Sumitomo Mitsui Financial Group (TSE:8316) Full Year 2025 Results

Key Financial Results

• Revenue: JP¥5.22t (up 47% from FY 2024).
• Net income: JP¥1.18t (up 35% from FY 2024).
• Profit margin: 23% (down from 25% in FY 2024). The decrease in margin was driven by higher expenses.
• EPS: JP¥302 (up from JP¥219 in FY 2024).

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

Sumitomo Mitsui Financial Group Revenues and Earnings Miss Expectations

Revenue missed analyst estimates by 2.1%. Earnings per share (EPS) also missed analyst estimates by 5.7%.

The primary driver behind last 12 months revenue was the Retail Business Unit segment contributing a total revenue of JP¥1.38t (26% of total revenue). The largest operating expense was General & Administrative costs, amounting to JP¥2.40t (59% of total expenses). Explore how 8316's revenue and expenses shape its earnings.

Looking ahead, revenue is expected to decline by 2.5% p.a. on average during the next 3 years, while revenues in the Banks industry in Japan are expected to grow by 1.7%.

Performance of the Japanese Banks industry.

The company's shares are up 1.0% from a week ago.

Balance Sheet Analysis

While earnings are important, another area to consider is the balance sheet. We've done some analysis and you can see our take on Sumitomo Mitsui Financial Group's balance sheet.

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