Sumitomo Mitsui Trust Holdings Inc (CMTDF) fair value: what the stock is really worth
As of Aug 7, 2026: fair value of Sumitomo Mitsui Trust Holdings Inc $31.80, price $40.00, upside -20.5%, quality 64 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Sumitomo Mitsui Trust Holdings Inc
CMTDF · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 28, 2026.
How to read this chart
60‑month range $8.51 – $40.00 · fair‑value band $28.82 – $43.58 · the $40.00 price screens above the $31.80 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 28, 2026.
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Company profile
Sumitomo Mitsui Trust Group, Inc. operates as a trust bank in Japan and internationally. It operates through Wealth Management Business, Corporate Business, Investor Services Business, Real Estate Business, Global Markets Business, and Asset Management Business segments.
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Sumitomo Mitsui Trust Group, Inc. operates as a trust bank in Japan and internationally. It operates through Wealth Management Business, Corporate Business, Investor Services Business, Real Estate Business, Global Markets Business, and Asset Management Business segments. The company offers services to individuals, corporate, investors, as well as to real estate business. It is also involved in marketing, market-making, investment, financial management, and asset management services operations. In addition, the company supervises management strategies, financial management, human resource management, corporate administrative management, operational process management, risk management, and compliance management; and manages internal auditing. Further, it provides financing, stock transfer agency operations, and consulting services; real estate brokerage; consulting services related to development, effective utilization, construction, and ESG considerations, as well as real estate custody functions; and foreign exchange, interest rates, and derivative products and services. The company was formerly known as Sumitomo Mitsui Trust Holdings, Inc. and changed its name to Sumitomo Mitsui Trust Group, Inc. in October 2024. Sumitomo Mitsui Trust Group, Inc. was founded in 1924 and is headquartered in Chiyoda, Japan.
Stock analysis
Sumitomo Mitsui Trust Holdings Inc (CMTDF) currently trades at $40.00, while our model-based Fair Value estimate is $31.80, 20.5% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $37.96 per share, and 1 of the 6 models we run sit above the $40.00 price.
Bear case: the Dividend Discount group reads lowest at $17.04, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $28.82 (bear) to $43.58 (bull), the price of $40.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Sumitomo Mitsui Trust Holdings Inc reported revenue of ¥3.0T in FY2026 versus ¥1.3T in FY2022, a compound +23.8%/yr. Reported net income was ¥320B in FY2026, compounding +17.3%/yr from FY2022.
Key figures
Market cap $26.4B · P/E ratio 14.2 · P/S ratio 1.53 · EPS (TTM) $2.82 · Dividend yield 0.9% · Net margin 10.8% · Return on equity 9.5% · Return on assets (EBIT) 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 53% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −21%, CMTDF screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 74 · Market factors (momentum, volatility) 80
Revenue & earnings trend
CMTDF screens overvalued: fair value 21% below the price. Compare with DBS Group →
Earlier news
- Sumitomo Mitsui Trust Group (TSE:8309) Stock May Be 39% Undervalued On Equity Returns
- Sumitomo Mitsui Trust Group (TSE:8309) Rallies As Investors Reassess Whether It Still Looks Undervalued
- Is Sumitomo Mitsui Trust (TSE:8309) Still Undervalued? A Fresh Look at Its Current Valuation
Compare Sumitomo Mitsui Trust Holdings Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1052 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
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Key figures of Sumitomo Mitsui Trust Holdings Inc
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