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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Sumitomo Mitsui Financial Group's Debt-to-Equity or its related term are showing as below:
STU:XMF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.06 Med: 2.36 Max: 2.8
Current: 2.06
During the past 13 years, the highest Debt-to-Equity Ratio of Sumitomo Mitsui Financial Group was 2.80. The lowest was 2.06. And the median was 2.36.
STU:XMF's Debt-to-Equity is ranked worse than 85.64% of 1421
companies
in the Banks industry
Industry Median: 0.57
vs STU:XMF: 2.06
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Sumitomo Mitsui Financial Group Debt-to-Equity Related Terms
Sumitomo Mitsui Financial Group Debt-to-Equity 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.
Sumitomo Mitsui Financial Group Debt-to-Equity Chart
STU:XMF vs JPM, BAC, WFC: Debt-to-Equity Comparison
For the Banks - Diversified subindustry, Sumitomo Mitsui Financial Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Financial Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Sumitomo Mitsui Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Sumitomo Mitsui Financial Group's Debt-to-Equity 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 Financial Group (STU:XMF) has a Debt-to-Equity of 2.06 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Sumitomo Mitsui Financial Group and its competitors. This is 13% below median its historical median of 2.36. Over the past decade, Sumitomo Mitsui Financial Group's Debt-to-Equity has ranged from 2.06 to 2.80. According to the industry distribution chart, Sumitomo Mitsui Financial Group ranks #1217 out of 1421 companies in the Banks industry, placing it in the top 85.6%.
Is Sumitomo Mitsui Financial Group's Debt-to-Equity too high?
Sumitomo Mitsui Financial Group's current Debt-to-Equity of 2.06 is 13% below median its 10-year median of 2.36. Over the past 10 years, this metric has ranged from a low of 2.06 to a high of 2.80. The Banks industry median Debt-to-Equity is 0.57. Sumitomo Mitsui Financial Group's value of 2.06 is 261.4% above this industry median. Based on the distribution chart, Sumitomo Mitsui Financial Group ranks #1217 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sumitomo Mitsui Financial Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sumitomo Mitsui Financial Group's Debt-to-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, Sumitomo Mitsui Financial Group ranks #1217 out of 1421 companies for Debt-to-Equity. This places Sumitomo Mitsui Financial Group in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Sumitomo Mitsui Financial Group's value of 2.06 is 261.4% above this benchmark. Historically, Sumitomo Mitsui Financial Group's own Debt-to-Equity has ranged from 2.06 to 2.80 over the past decade. While the company's 10-year median is 2.36 vs. the industry median of 0.57, Sumitomo Mitsui Financial 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sumitomo Mitsui Financial Group's current Debt-to-Equity of 2.06 is 261.4% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Sumitomo Mitsui Financial Group and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sumitomo Mitsui Financial Group's current Debt-to-Equity is 2.06, which is 13% below median its own 10-year median of 2.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sumitomo Mitsui Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Sumitomo Mitsui Financial Group (STU:XMF) is currently considered Significantly Overvalued. The stock's GF Value™ is €25.78, compared to a current price of €37.70 — trading 46.2% above its estimated fair value. The current Debt-to-Equity is 2.06, which is 13% below median its 10-year median of 2.36 and 261.4% above the Banks industry median of 0.57. Sumitomo Mitsui Financial Group's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Sumitomo Mitsui Financial Group (STU:XMF), the current Debt-to-Equity is 2.06 as of Mar. 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 Financial Group (STU:XMF) Overvalued in 2026?
Based on GuruFocus' analysis, Sumitomo Mitsui Financial Group stock appears to be overvalued.
The current stock price of €37.70 is trading 46.2% above its estimated GF Value™ of €25.78.
GuruFocus considers Sumitomo Mitsui Financial Group to be Significantly Overvalued.
Key valuation signals for STU:XMF:
Debt-to-Equity: 2.06 (13% below median its 10-year median of 2.36)
GF Value™: €25.78 vs. price of €37.70 (46.2% above fair value)
Industry Position: 261.4% above the Banks median (#1217 of 1421)
No single metric tells the full story. See the STU:XMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sumitomo Mitsui Financial Group is roughly tied with Mizuho Financial Group for the status of Japan's second-largest bank after Mitsubishi UFJ Financial Group. As of March 2025, its market share of domestic loans was 7.3%, compared with 8.4% for MUFG. It has a larger consumer finance business than the other two megabanks, owning 100% of the Promise business and SMBC Card. It also controls one of Japan's largest leasing companies and SMBC Aviation Capital, one of the top five aircraft lessors globally. In securities, its SMBC Nikko unit is Japan's third-largest retail broker, although SMFG has lagged somewhat in institutional securities business and asset management.
69GF Score
Get the complete analysis for STU:XMF
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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