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SMFGSumitomo Mitsui Financial Group, Inc.8316東証プライム銀行業FY ending Mar 2026, consolidated, J-GAAP

SMFG FY ending Mar 2026 results

SMFG brought in ¥10.8T in ordinary revenue.

Out of every ¥100 of ordinary revenue, about ¥21 is left as ordinary profit.

Ordinary revenue changed +6.1% from the prior year, ordinary profit +34.0%.

Revenue and profit pattern

Revenue and profit upProfit grew faster

Revenue +6.1% · profit +34.0%, calculated from disclosed figures.

Operating leverage: 5.61× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2025 → FY ending Mar 2026

Revenue
+6.1%¥10.2T → ¥10.8T
Net income attributable to owners
+34.4%¥1.18T → ¥1.58T
Operating cash flow
-312.1%¥4.85T → -¥10.3T
Free cash flow
-340.1%¥4.48T → -¥10.8T

Results at a glance

  • Revenue reached ¥10.8T in the FY ending Mar 2026, up +6.1% from ¥10.2T.
  • Net income attributable to owners rose much faster, from ¥1.18T to ¥1.58T.
  • Operating cash flow went the other way, from ¥4.85T to -¥10.3T.

What drove the change

  • Higher yen interest rates widened the gap between what it earns on loans and pays on deposits
  • Asset management, payments, and corporate deal fees in Japan all brought in more
  • Last year's goodwill write-down on its stakes in Vietnam's VPBank group did not repeat

Things to watch

  • A deeper or longer Middle East conflict could push up bad loans and market losses
  • Fintech firms and companies from other industries are moving into banking
  • Dropping below Basel III capital requirements would let regulators limit its business

Annual Securities Report (FY ending Mar 2026) / 経営者による財政状態、経営成績及びキャッシュ・フローの状況の分析 · Annual Securities Report (FY ending Mar 2026) / 事業等のリスク

Where the money goes

FY ending Mar 2025 → FY ending Mar 2026

Where ¥100 of ordinary revenue goes

For every ¥100 of ordinary revenue (a bank's or insurer's top line) SMFG earns, how much goes where, and how much is kept.

FY ending Mar 2026
Ordinary expenses
¥79
Ordinary profit
¥21
Net profit kept
¥15

Annual margin trends

Ordinary margin21.3%
FY ending Mar 2021: 18.2%18.2%FY ending Mar 2022: 25.3%25.3%FY ending Mar 2023: 18.9%18.9%FY ending Mar 2024: 15.7%15.7%FY ending Mar 2025: 16.9%16.9%FY ending Mar 2026: 21.3%21.3%FY21FY22FY23FY24FY25FY26
Net margin14.7%
FY ending Mar 2021: 13.1%13.1%FY ending Mar 2022: 17.2%17.2%FY ending Mar 2023: 13.1%13.1%FY ending Mar 2024: 10.3%10.3%FY ending Mar 2025: 11.6%11.6%FY ending Mar 2026: 14.7%14.7%FY21FY22FY23FY24FY25FY26

Aligned fiscal years compare the shares of revenue remaining as gross, core, and net profit. Missing years are left unconnected.

Sources

Show source documents (6)

  • EDINET (FSA Japan)

    有価証券報告書－第24期(2025/04/01－2026/03/31)

    ID S100YERK2026-06-19Open

  • EDINET (FSA Japan)

    訂正有価証券報告書－第23期(2024/04/01－2025/03/31)

    ID S100X7DX2025-11-28Open

  • EDINET (FSA Japan)

    有価証券報告書－第22期(2023/04/01－2024/03/31)

    ID S100TPKY2024-06-21Open

  • EDINET (FSA Japan)

    有価証券報告書－第21期(2022/04/01－2023/03/31)

    ID S100R1RG2023-06-22Open

  • EDINET (FSA Japan)

    有価証券報告書－第20期(令和3年4月1日－令和4年3月31日)

    ID S100OCJ82022-06-22Open

  • EDINET (FSA Japan)

    有価証券報告書－第19期(令和2年4月1日－令和3年3月31日)

    ID S100LU5N2021-06-29Open

Extracted from XBRL: 45 / Derived from other figures: 1

Spotted an error? Report it (corrections keep the original record)

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