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Sumitomo Mitsui Financial Group
Sumitomo Mitsui Financial Group (8316) investor relations material
Sumitomo Mitsui Financial Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Jan, 2026
Executive summary
Gross profit and ordinary income rose year-over-year, driven by higher income on domestic loans and deposits, increased fee income, and strong performance in wealth management, payments, and consumer finance.
Net business profit increased 342.0 billion JPY year-over-year, reaching 1,801.8 billion JPY, with 88% progress toward the full-year forecast.
Net income grew by 258.8 billion JPY year-over-year to 1,394.8 billion JPY, achieving 93% of the annual target.
Comprehensive income surged 75.8% year-over-year to 1,923.7 billion JPY.
Financial highlights
Gross profit: 3,593.0 billion JPY (+430.7 billion JPY YoY).
G&A expenses: 1,899.2 billion JPY (+126.3 billion JPY YoY), with overhead ratio improving to 52.9% (-3.2pp YoY).
Ordinary profit: 1,899.1 billion JPY (+280.0 billion JPY YoY).
Total assets increased by 10.4 trillion JPY to 316.7 trillion JPY; total net assets rose by 0.9 trillion JPY to 15.8 trillion JPY.
Earnings per share (diluted) for the period was 362.12 JPY, reflecting a three-for-one stock split on October 1, 2024.
Outlook and guidance
Full-year net income forecast is 1,500 billion JPY, with forecasted EPS at 390.16 JPY.
Additional upside expected from rising JPY interest rates, with a 130 billion JPY YoY benefit in FY3/26 and further gains for each 25bp rate hike.
Overseas credit costs expected to rise in 2H due to one-off items, but full-year costs are targeted to remain controlled.
Dividend forecast for the year remains unchanged at 157.00 JPY per share.
Analyze comprehensive income growth drivers
What factors drove the NPL ratio increase?
Explain the domestic deposit decline
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Next Sumitomo Mitsui Financial Group earnings date
Q4 202614 May, 2026
Sumitomo Mitsui Financial Group
Next Sumitomo Mitsui Financial Group earnings date
Q4 202614 May, 2026
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Frequently asked questions
Sumitomo Mitsui Financial Group Inc (SMFG) is a diversified financial services group based in Tokyo, Japan. SMFG offers a wide range of financial products and services, including banking, leasing, securities, credit card services, and consumer finance. It operates through several business units, namely the Wholesale Business Unit, Retail Business Unit, Global Business Unit, and Global Markets Business Unit. SMFG's operations span across Japan, the Americas, Europe, the Middle East, Asia, and Oceania. The company's banking and financial solutions cater to individual, corporate, SME, and high-net-worth clients through a network of branches, representative offices, ATMs, and online platforms. The company is headquartered in Tokyo, Japan, and its shares are listed on the Tokyo Stock Exchange as well as the NYSE.
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