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Sumitomo Mitsui Trust GroupCMTDF +1.51%61 Cash-to-Debt is 1.42 as of Jun. 2026, which is 9% above its 10-year median of 1.30. GuruFocus rates CMTDF with a GF Score™ of 61/100 and a GF Value™ of $6.45 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,492 Banks companies, Sumitomo Mitsui Trust Group ranks better than 50.74% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Sumitomo Mitsui Trust Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.42.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Sumitomo Mitsui Trust Groupcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Sumitomo Mitsui Trust Group's Cash-to-Debt or its related term are showing as below:
CMTDF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.97 Med: 1.3 Max: 1.68
Current: 1.42
During the past 13 years, Sumitomo Mitsui Trust Group's highest Cash to Debt Ratio was 1.68. The lowest was 0.97. And the median was 1.30.
CMTDF's Cash-to-Debt is ranked better than 50.74% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs CMTDF: 1.42
Sumitomo Mitsui Trust Group (OTCPK:CMTDF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Sumitomo Mitsui Trust Group Cash-to-Debt Related Terms
Sumitomo Mitsui Trust Group Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Sumitomo Mitsui Trust Group Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Sumitomo Mitsui Trust Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sumitomo Mitsui Trust Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Sumitomo Mitsui Trust Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Sumitomo Mitsui Trust Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Sumitomo Mitsui Trust Group (CMTDF) has a Cash-to-Debt of 1.42 as of Jun. 2026. This is near median its historical median of 1.30. Over the past decade, Sumitomo Mitsui Trust Group's Cash-to-Debt has ranged from 0.97 to 1.68. According to the industry distribution chart, Sumitomo Mitsui Trust Group ranks #735 out of 1492 companies in the Banks industry, placing it in the top 49.3%.
Is Sumitomo Mitsui Trust Group's Cash-to-Debt too high?
Sumitomo Mitsui Trust Group's current Cash-to-Debt of 1.42 is near median its 10-year median of 1.30. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 1.68. The Banks industry median Cash-to-Debt is 1.37. Sumitomo Mitsui Trust Group's value of 1.42 is 3.6% above this industry median. Based on the distribution chart, Sumitomo Mitsui Trust Group ranks #735 out of 1492 companies in the Banks industry, which is above the industry midpoint. Overall, Sumitomo Mitsui Trust Group has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sumitomo Mitsui Trust Group's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Sumitomo Mitsui Trust Group ranks #735 out of 1492 companies for Cash-to-Debt. This puts Sumitomo Mitsui Trust Group in the upper half of its industry. The industry median Cash-to-Debt is 1.37. Sumitomo Mitsui Trust Group's value of 1.42 is 3.6% above this benchmark. Historically, Sumitomo Mitsui Trust Group's own Cash-to-Debt has ranged from 0.97 to 1.68 over the past decade. While the company's 10-year median is 1.30 vs. the industry median of 1.37, Sumitomo Mitsui Trust Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sumitomo Mitsui Trust Group's current Cash-to-Debt of 1.42 is 3.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sumitomo Mitsui Trust Group's current Cash-to-Debt is 1.42, which is near median its own 10-year median of 1.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sumitomo Mitsui Trust Group stock overvalued right now?
Based on GuruFocus' analysis, Sumitomo Mitsui Trust Group (CMTDF) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.45, compared to a current price of $10.83 — trading 67.8% above its estimated fair value. The current Cash-to-Debt is 1.42, which is near median its 10-year median of 1.30 and 3.6% above the Banks industry median of 1.37. Sumitomo Mitsui Trust Group's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Sumitomo Mitsui Trust Group (CMTDF), the current Cash-to-Debt is 1.42 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sumitomo Mitsui Trust Group (CMTDF) Overvalued in 2026?
Based on GuruFocus' analysis, Sumitomo Mitsui Trust Group stock appears to be overvalued.
The current stock price of $10.83 is trading 67.8% above its estimated GF Value™ of $6.45.
GuruFocus considers Sumitomo Mitsui Trust Group to be Significantly Overvalued.
Key valuation signals for CMTDF:
Cash-to-Debt: 1.42 (near median its 10-year median of 1.30)
GF Value™: $6.45 vs. price of $10.83 (67.8% above fair value)
Industry Position: 3.6% above the Banks median (#735 of 1492)
No single metric tells the full story. See the CMTDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sumitomo Mitsui Trust Group is the fifth-largest Japanese bank by assets and revenue. It is the only remaining stand-alone trust bank after the late 1990s deregulation removed legal barriers between commercial banking and trust functions in Japan; its former rivals in trust banking merged and became units of Mitsubishi UFJ FG and Mizuho. It has no capital ties with Sumitomo Mitsui FG, despite the similar name and common ties to Sumitomo and Mitsui group companies. In fiduciary services, SMTG is the market leader in Japan in total assets under custody. It is the largest manager of corporate pension funds and trails only Nomura in investment trusts.
61GF Score
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