SJF Bank A/S (CPH:SJF)

Denmark · Delayed Price · Currency is DKK

450.50

-4.00 (-0.88%)

At close: Aug 19, 2026

SJF Bank Financials Overview

Financials in millions DKK. Fiscal year is January - December.

Millions DKK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,826	1,769	1,716	1,577	1,312	1,293
Revenue Growth	5.88%	3.11%	8.81%	20.19%	1.44%	24.91%
Net Income	561.45	557.09	562.56	504.99	345.65	419.03
Earnings Per Share	34.66	33.95	33.39	29.40	20.00	24.30
EPS Growth	0.23%	1.68%	13.57%	47.00%	-17.70%	105.93%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	3,786	6,483	7,169	4,657	3,332	4,224
Total Debt	1,791	2,802	2,357	3,228	2,388	1,693
Net Cash (Debt)	1,994	3,681	4,812	1,428	944.56	2,531
Net Cash Growth	-38.57%	-23.51%	236.93%	51.21%	-62.69%	-35.42%
Net Cash Per Share	123.12	224.33	285.63	83.20	54.74	146.94

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	-2,245	2,301	794.71	-1,561	-1,007
Capital Expenditures	-	-373.43	-132.52	-105.4	-147.28	-145.88
Free Cash Flow	-	-2,618	2,168	689.31	-1,708	-1,153
Free Cash Flow Growth	-	-	214.54%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	30.74%	31.48%	32.78%	32.02%	26.34%	32.40%
FCF Margin	-	-147.98%	126.34%	43.71%	-130.16%	-89.13%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 19, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	11.000	11.000	10.000	8.000	6.000	6.000
Dividend Per Share Growth	10.00%	10.00%	25.00%	33.33%	0%	-
Dividend Yield	2.42%	3.04%	4.28%	4.44%	3.54%	4.28%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 19, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	13.00	10.92	7.48	6.81	9.71	6.78
Forward PE	-	7.40	7.40	6.42	7.34	8.74
P/FCF Ratio	-	-	1.94	4.99	-	-
PS Ratio	3.92	3.44	2.45	2.18	2.56	2.19