Sumitomo Mitsui Trust Holdings PK (SUTNY) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Sumitomo Mitsui Trust Holdings PK $6.45, price $5.51, upside +17.1%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 23, 2026.
How to read this chart
60‑month range $1.31 – $5.87 · fair‑value band $5.79 – $10.35 · the $5.51 price screens below the $6.45 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 23, 2026.
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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.
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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 PK (SUTNY) currently trades at $5.51, while our model-based Fair Value estimate is $6.45, implying the stock looks roughly 14.6% undervalued today.
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Valuation
How firm this estimate is: it rests on 26 models at a data quality of 96/100, which puts the evidence level at medium.
Scenario range: $5.79 (bear) to $10.35 (bull), the price of $5.51 sits below 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 62/100 (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 PK reported revenue of ¥3.1T in FY2026 versus ¥1.3T in FY2022, a compound +25.4%/yr. Reported net income was ¥337B in FY2026, compounding +18.8%/yr from FY2022.
Key figures
Market cap $26.6B · P/E ratio 9.8 · P/S ratio 1.06 · EPS (TTM) $0.5600 · Dividend yield 2.8% · 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 48 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 69% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 17%, SUTNY screens cheaper than that median.
Fair Value models
Bear $5.79Fair Value $6.45Bull $10.35
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.6%
Start year 2021 (pandemic). Over 10 years: +10.9% a year
Revenue growth 26 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
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What shareholders gained per year (last 5 years), in JPY (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+20.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.9%
Dividend (yield on the price)2.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.17% vs 8%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 15%
2026 sits 85% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2021 (pandemic)
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
Compare Sumitomo Mitsui Trust Holdings PK with another stock
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score75 · Top 25%
Fair Value upside+17% · Top 25%
Profitability
Return on equity (TTM)10% · Below median
Return on assets0% · Bottom 25%
Net margin (TTM)19% · Bottom 25%
Operating margin (TTM)14% · Bottom 25%
Growth and dividend
Revenue growth26% · Top 25%
Dividend yield (TTM)2.8% · Above median
Balance sheet
Debt / equity3.05× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Sumitomo Mitsui Trust Holdings PK (SUTNY) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $6.45 versus a price of $5.51, about +17% upside (undervalued).
What is the fair value of SUTNY?
Our model-based fair value for Sumitomo Mitsui Trust Holdings PK is $6.45 (as of Sep 23, 2026), built from audited fundamentals. The current price: $5.51.
What is the quality score of SUTNY?
Sumitomo Mitsui Trust Holdings PK has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sumitomo Mitsui Trust Holdings PK (SUTNY)?
Our model-based price target is the fair value of $6.45 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $5.79, optimistic scenario $10.35. It is a calculation from audited fundamentals, not an analyst target.
What is the Sumitomo Mitsui Trust Holdings PK stock forecast for 2026?
Our models put fair value at $6.45, about +17% upside versus a price of $5.51 (undervalued). Cautious scenario $5.79, optimistic scenario $10.35. The calculation is refreshed regularly with new filings.
What is the revenue of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
Sumitomo Mitsui Trust Holdings PK reported trailing-twelve-month revenue of about ¥1.7T (latest available figure, as of Sep 23, 2026).
Does Sumitomo Mitsui Trust Holdings PK pay a dividend?
Sumitomo Mitsui Trust Holdings PK currently shows a dividend yield of about 2.79% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Sumitomo Mitsui Trust Holdings PK (SUTNY)?
For today's price to be fair in a discounted-cash-flow model, Sumitomo Mitsui Trust Holdings PK would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +20.6 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of SUTNY use?
Our models discount Sumitomo Mitsui Trust Holdings PK at 8.1 %: a base by market capitalisation (large), damped by beta 0.34, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Sumitomo Mitsui Trust Holdings PK that is less than minus 40 % per year a year over ten years, using the same discount rate (8.1 %) and the same formula as our fair value.
How much growth has Sumitomo Mitsui Trust Holdings PK (SUTNY) delivered so far?
Over the past 5 years revenue at Sumitomo Mitsui Trust Holdings PK grew +20.6 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Sumitomo Mitsui Trust Holdings PK (SUTNY) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Sumitomo Mitsui Trust Holdings PK (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
The free-cash-flow yield on the price is 24.56 %: that much free cash flow Sumitomo Mitsui Trust Holdings PK produces per unit of market value. When it exceeds the discount rate of our models (8.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sumitomo Mitsui Trust Holdings PK it is $6.45 per share (as of Sep 23, 2026), against a price of $5.51. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Sumitomo Mitsui Trust Holdings PK stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SUTNY trades below its calculated fair value: price $5.51, fair value $6.45, a gap of about +17% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SUTNY?
No. The price is what the market pays today ($5.51); the fair value is what the company's own numbers justify ($6.45). For Sumitomo Mitsui Trust Holdings PK the two are $0.9400 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sumitomo Mitsui Trust Holdings PK worth?
The market values Sumitomo Mitsui Trust Holdings PK at about $26.6B (market capitalisation, as of Sep 23, 2026). Per share that is $5.51; our models calculate a fair value of $6.45 per share.
What do the bullish and bearish scenarios say about SUTNY?
Our models span a range for Sumitomo Mitsui Trust Holdings PK: cautious scenario $5.79, base $6.45, optimistic $10.35 per share (as of Sep 23, 2026, price $5.51). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SUTNY?
Sumitomo Mitsui Trust Holdings PK trades at a price-to-earnings ratio of 9.8 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $6.45 is built from several models across several years. Other multiples: PEG 2.8, P/B 1.2, P/S 2.5.
What is the PEG ratio of SUTNY?
The PEG ratio of Sumitomo Mitsui Trust Holdings PK is 2.80 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
Balance-sheet figures for Sumitomo Mitsui Trust Holdings PK (as of Sep 23, 2026): return on equity 9.5%, debt of 3.05 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is SUTNY from its 52-week high?
Sumitomo Mitsui Trust Holdings PK trades at $5.51, about 6% below its 52-week high of $5.87 and 69% above the low of $3.26 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $6.45 is for.
Which stocks are comparable to Sumitomo Mitsui Trust Holdings PK?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sumitomo Mitsui Trust Holdings PK stock attractive at the current price?
The data as of Sep 23, 2026: price $5.51, calculated fair value $6.45 (+17%), Quality Score 62/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SUTNY calculated?
We run Sumitomo Mitsui Trust Holdings PK through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $6.45, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Sumitomo Mitsui Trust Holdings PK currently trades 17 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
The closing price on Sep 23, 2026 was $5.51. Our model-based fair value is $6.45, about +17% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sumitomo Mitsui Trust Holdings PK right now?
The price is below even our cautious bear case ($5.79). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Sumitomo Mitsui Trust Holdings PK (SUTNY) come from?
Earnings per share at Sumitomo Mitsui Trust Holdings PK grew +4.8 % a year from 2015 to 2026. Broken into its drivers: revenue per share +10.5 %, EBIT margin −6.7 %, tax rate +1.1 %, residual (interest, one-offs) +0.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Sumitomo Mitsui Trust Holdings PK
How large is the market capitalisation of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
The market capitalisation of Sumitomo Mitsui Trust Holdings PK is $26.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
The price-to-sales ratio of Sumitomo Mitsui Trust Holdings PK is 1.06 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
Earnings per share at Sumitomo Mitsui Trust Holdings PK are $0.5600 (price ÷ EPS = P/E 9.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
The dividend yield of Sumitomo Mitsui Trust Holdings PK is 2.8% (payout 27.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
The net margin of Sumitomo Mitsui Trust Holdings PK is 10.8% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
The return on equity (ROE) of Sumitomo Mitsui Trust Holdings PK is 9.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
On an EBIT basis the return on assets of Sumitomo Mitsui Trust Holdings PK is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Sumitomo Mitsui Trust Holdings PK (SUTNY)?
The operating margin of Sumitomo Mitsui Trust Holdings PK is 13.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sumitomo Mitsui Trust Holdings PK (SUTNY)?
Revenue at Sumitomo Mitsui Trust Holdings PK is growing +25.8% versus a year earlier (3y avg +22.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sumitomo Mitsui Trust Holdings PK (SUTNY)?
Earnings per share at Sumitomo Mitsui Trust Holdings PK are growing +64.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Sumitomo Mitsui Trust Holdings PK (SUTNY) hold?
Sumitomo Mitsui Trust Holdings PK holds more cash than debt, ¥3.3T net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Some data
Sep 23, 2026