Sumitomo Mitsui Financial Group (STU:XMF) Moat Score: 7/10 (As of Jul. 01, 2026)


STU:XMF Sumitomo Mitsui Financial Group Inc STU:XMF
61 GF Score
Price €34.40
GF Value €23.32
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Sumitomo Mitsui Financial Group Moat Score?

Sumitomo Mitsui Financial Group STU:XMF -0.43% 61 Moat Score is 7 as of Jul. 01, 2026. GuruFocus rates STU:XMF with a GF Score™ of 61/100 and a GF Value™ of €23.32 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,611 Banks companies, Sumitomo Mitsui Financial Group ranks better than 99.44% on this metric.

Sumitomo Mitsui Financial Group has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Sumitomo Mitsui Financial Group has Wide Moat: Sumitomo Mitsui Financial Group Inc has a wide moat due to its market leadership in financial services, strong brand, and significant regulatory barriers. Its extensive network and customer loyalty provide durable competitive advantages.

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 Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

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

Sumitomo Mitsui Financial Group Moat Score Related Terms

STU:XMF vs JPM, BAC, WFC: Moat Score Comparison

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 Moat Score vs 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.


STU:XMF
61GF Score
Sumitomo Mitsui Financial Group Inc STU:XMF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
Sumitomo Mitsui Financial Group (STU:XMF) has a Moat Score of 7 as of Jul. 01, 2026. 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. According to the industry distribution chart, Sumitomo Mitsui Financial Group ranks #9 out of 1611 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is Sumitomo Mitsui Financial Group's Moat Score too high?
Sumitomo Mitsui Financial Group's current Moat Score is 7. Based on the distribution chart, Sumitomo Mitsui Financial Group ranks #9 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sumitomo Mitsui Financial 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 Financial Group's Moat Score compare to JPM and BAC?
According to the Banks industry distribution chart, Sumitomo Mitsui Financial Group ranks #9 out of 1611 companies for Moat Score. This places Sumitomo Mitsui Financial Group in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. 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. Sumitomo Mitsui Financial Group's current Moat Score is 7. 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 €23.32, compared to a current price of €34.40 — trading 47.5% above its estimated fair value. The current Moat Score is 7. Sumitomo Mitsui Financial 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Sumitomo Mitsui Financial Group (STU:XMF), the current Moat Score is 7 as of Jul. 01, 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 €34.40 is trading 47.5% above its estimated GF Value™ of €23.32. GuruFocus considers Sumitomo Mitsui Financial Group to be Significantly Overvalued.

Key valuation signals for STU:XMF:

  • Moat Score: 7
  • GF Value™: €23.32 vs. price of €34.40 (47.5% above fair value)
  • GF Score™: 61/100 with 6 warning signs

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 Business Description

Address 1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo, JPN, 100-0005
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.
61GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€34.40
Price
€23.32
GF Value