Sumitomo Mitsui Financial Group (STU:XMF) Tariff Resilience Score: 8/10 (As of Jul. 03, 2026)


STU:XMF Sumitomo Mitsui Financial Group Inc STU:XMF
61 GF Score
Price €35.86
GF Value €23.47
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Sumitomo Mitsui Financial Group Tariff Resilience Score?

Sumitomo Mitsui Financial Group STU:XMF +1.59% 61 Tariff Resilience Score is 8 as of Jul. 03, 2026. GuruFocus rates STU:XMF with a GF Score™ of 61/100 and a GF Value™ of €23.47 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,607 Banks companies, Sumitomo Mitsui Financial Group ranks better than 78.72% on this metric.

Sumitomo Mitsui Financial Group has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Sumitomo Mitsui Financial Group has As a financial services company, SMFG is less directly impacted by tariffs. Its exposure is mainly through clients in trade-sensitive sectors. The company has limited direct import/export activities, and historical tariff changes have had minimal impact on its operations.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Sumitomo Mitsui Financial Group might have Highly Resilient.

Sumitomo Mitsui Financial Group  (STU:XMF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Sumitomo Mitsui Financial Group Tariff Resilience Score Related Terms

STU:XMF vs JPM, BAC, WFC: Tariff Resilience Score Comparison

For the Banks - Diversified subindustry, Sumitomo Mitsui Financial Group's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience 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 Tariff Resilience Score vs Banks Industry

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

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


STU:XMF
61GF Score
Sumitomo Mitsui Financial Group Inc STU:XMF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Sumitomo Mitsui Financial Group (STU:XMF) has a Tariff Resilience Score of 8 as of Jul. 03, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Sumitomo Mitsui Financial Group ranks #342 out of 1607 companies in the Banks industry, placing it in the top 21.3%.
Is Sumitomo Mitsui Financial Group's Tariff Resilience Score too high?
Sumitomo Mitsui Financial Group's current Tariff Resilience Score is 8. Based on the distribution chart, Sumitomo Mitsui Financial Group ranks #342 out of 1607 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 Tariff Resilience Score compare to JPM and BAC?
According to the Banks industry distribution chart, Sumitomo Mitsui Financial Group ranks #342 out of 1607 companies for Tariff Resilience Score. This places Sumitomo Mitsui Financial Group in the top 21% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Sumitomo Mitsui Financial Group's current Tariff Resilience Score is 8. 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 €23.47, compared to a current price of €35.86 — trading 52.8% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Sumitomo Mitsui Financial Group (STU:XMF), the current Tariff Resilience Score is 8 as of Jul. 03, 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 €35.86 is trading 52.8% above its estimated GF Value™ of €23.47. GuruFocus considers Sumitomo Mitsui Financial Group to be Significantly Overvalued.

Key valuation signals for STU:XMF:

  • Tariff Resilience Score: 8
  • GF Value™: €23.47 vs. price of €35.86 (52.8% 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

Get the complete analysis for STU:XMF

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

€35.86
Price
€23.47
GF Value