SJF Bank A/S

SJF Bank A/S

465.00
DKK
-8.50
(-1.80%)
36.95EPS
10.00P/E
5.98BMarket Cap
Oct 29Next Earn

Total Valuation

DKK

As of June 30, 2026, SJF Bank A/S carries a market capitalization of 5.98B, placing it among publicly traded companies globally. Its enterprise value stands at 3.07B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap5.98B
Enterprise Value3.07B

Important Dates

SJF Bank A/S's next confirmed earnings release is scheduled for October 29, 2026.

Earnings Date10/29/2026

Share Statistics

As of June 30, 2026, SJF Bank A/S has 16.17M shares outstanding.

Shares Outstanding16.17M

Valuation Ratios

As of June 30, 2026, SJF Bank A/S trades at a trailing price-to-earnings ratio of 10.00. The price-to-sales ratio is 3.35, and the price-to-book ratio stands at 1.14.

PE Ratio10.00
PS Ratio3.35
PB Ratio1.14
P/TBV Ratio1.16
P/FCF Ratio-5.37
P/OCF Ratio-8.96

Enterprise Valuation

These figures are as of June 30, 2026. The EV/Sales ratio of 1.72 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. These enterprise value multiples are built on an enterprise value of 3.07B versus a market cap of 5.98B, with the gap driven by net debt and cash on the balance sheet.

EV / Sales1.72

Financial Position

These figures are as of June 30, 2026.

Debt / Equity30.71

Financial Efficiency

DKK

Over the twelve months ended June 30, 2026, SJF Bank A/S posted a return on equity (ROE) of 12.01, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 1.75, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 9.29, useful for judging operating efficiency across full business cycles. The company generates approximately 3.13M in revenue per employee across its workforce of 572.50, a quick read on workforce productivity versus industry peers.

Return on Equity (ROE)12.01
Return on Assets (ROA)1.75
Return on Capital Employed (ROCE)9.29
Revenue Per Employee3.13M
Employee Count572.50

Taxes

DKK

Over the twelve months ended June 30, 2026, SJF Bank A/S recorded 174.29M in income tax expense. That works out to an effective tax rate of 22.51, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 774.43M, leaving 600.14M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax174.29M
Effective Tax Rate22.51

Stock Price Statistics

DKK

As of the close on October 22, 2026, SJF Bank A/S's stock has gained approximately 39.22% over the past 52 weeks. The 50-day moving average sits at 469.75, while the 200-day moving average is 387.10.

52-Week Price Change39.22%
50-Day Moving Average469.75
200-Day Moving Average387.10

Income Statement

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Over the twelve months ended June 30, 2026, SJF Bank A/S generated 1.79B in revenue and converted that into 600.14M in net income, yielding earnings per share of 36.95.

Revenue1.79B
Pretax Income774.43M
Net Income600.14M
Earnings Per Share (EPS)36.95

Balance Sheet

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As of June 30, 2026, SJF Bank A/S holds 4.51B in cash and equivalents against 1.61B in total debt, resulting in a net debt position of -4.51B.

Cash & Cash Equivalents4.51B
Total Debt1.61B
Net Debt-4.51B
Equity (Book Value)5.24B
Book Value Per Share324.02

Cash Flow

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SJF Bank A/S produced -669.72M in operating cash flow over the twelve months ended June 30, 2026. After subtracting -449.04M in capital expenditures, free cash flow totaled -1.12B - equivalent to -68.87 per share.

Operating Cash Flow-669.72M
Capital Expenditures-449.04M
Free Cash Flow-1.12B
FCF Per Share-68.87

Margins

These figures cover the twelve months ended June 30, 2026.

Pretax Margin43.27
Profit Margin33.53

Dividends & Yields

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Over the twelve months ended June 30, 2026, SJF Bank A/S paid dividends of 12.03 per share. The dividend payout ratio of 32.56 indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield is negative at -18.64: the business is consuming cash rather than generating it, so any dividend is not covered by free cash flow. Total shareholder yield reaches 0.34, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to SJF Bank A/S shareholders.

Dividend Per Share12.03
Payout Ratio32.56
Shareholder Yield0.34
FCF Yield-18.64

Stock Splits

SJF Bank A/S's most recent stock split took place on April 3, 2018 with a 143:144 split ratio.

Last Split Date4/3/2018
Split Ratio143:144