Sumitomo Mitsui Financial Group (STU:XMF) Moat Score : 6/10 (As of Jul. 03, 2025)

View and export this data going back to . Start your Free Trial

What is Sumitomo Mitsui Financial Group Moat Score?

Sumitomo Mitsui Financial Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Sumitomo Mitsui Financial Group has Narrow Moat: Sumitomo Mitsui Financial Group Inc has a strong narrow moat due to its significant market share in Japan's financial sector, strong brand, and customer loyalty. It benefits from regulatory barriers and economies of scale, but lacks the global dominance and pricing power needed for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Sumitomo Mitsui Financial Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Competitive Comparison of Sumitomo Mitsui Financial Group's Moat Score

For the Banks - Diversified subindustry, Sumitomo Mitsui Financial Group's Moat Score, along with its competitors' market caps and Moat Score 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's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Sumitomo Mitsui Financial Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Sumitomo Mitsui Financial Group's Moat Score falls into.

Save Embed

;

Save Embed

;

Sumitomo Mitsui Financial Group (STU:XMF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Sumitomo Mitsui Financial Group Moat Score Related Terms

Thank you for viewing the detailed overview of Sumitomo Mitsui Financial Group's Moat Score provided by GuruFocus.com. Please click on the following links to see related term pages.

Sumitomo Mitsui Financial Group Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Sumitomo Mitsui Financial Group Inc (STU:XMF) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

SMFNF:USA SMFG:USA SMFG19:Thailand SMFG N:Mexico 8316:Japan 0LAF:UK XMFA:Germany S1MF34:Brazil

Address

1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo, JPN, 100-0005

Website

https://www.smfg.co.jp

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 2024, its market share of domestic loans was 7.2%, compared with 8.0% 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.

Sumitomo Mitsui Financial Group Headlines

No Headlines