Sjf Bank A/S

Sjf Bank A/S maintains a conservative capital structure with a debt-to-equity ratio of 0.26, indicating a relatively low reliance on debt financing. The company's liquidity position is assessed as medium, with free cash flow of 115,269,000 DKK and operating cash flow of 467,191,000 DKK, but net cash is negative after subtracting total debt. Return on equity (ROE) stands at 2.97%, below the industry median for banks, while return on assets (ROA) is 0.44%, also below the sector average.

Profitability metrics suggest Sjf Bank A/S is underperforming relative to its peers. The ROE of 2.97% is significantly lower than the industry median of 8.5%, and ROA of 0.44% is below the sector average of 1.2%. This underperformance may be attributed to lower net interest margins and higher operating expenses relative to revenue. The company's net income of 135,246,000 DKK on revenue of 240,700,000 DKK reflects a net margin of 56.2%, which is high but not uncommon for banks with strong cost controls.

Geographic and segment exposure is not explicitly detailed in the available data, but the company's revenue concentration appears to be within Denmark, as no international revenue breakdown is provided. This suggests a potential concentration risk if the domestic market experiences economic downturns. The absence of disclosed segments also limits visibility into the company's diversification strategy.

Growth trajectory is mixed. Analysts estimate a 25.4% year-over-year revenue increase to 1,803,000,000 DKK, but actual revenue in the latest period was 1,651,606,000 DKK. EBIT estimates suggest a 23.8% increase to 847,000,000 DKK, while EPS estimates are slightly higher than actuals at 34.40 DKK versus 34.00 DKK. These figures indicate moderate growth expectations but also highlight the need for improved operational performance to meet analyst projections.

Risk factors include medium liquidity risk due to negative net cash after debt and a low dilution risk, with no significant dilution sources identified in the latest filings. The company's capital expenditure of -47,861,000 DKK suggests asset sales or reductions in capital spending, which may impact long-term growth. No recent events or filings have been disclosed that would materially affect the company's operations or financial position.

Recent ESG scores indicate environmental and social performance lags, with scores of 2.51 and 1.15, respectively, on a 0-100 scale. These scores suggest the company has room for improvement in sustainability practices and stakeholder engagement. No recent regulatory changes or geopolitical events are cited as material risks in the available data.

Revenue grew at a 12.2% CAGR over four years, demonstrating strong top-line expansion despite recent volatility.

Total assets expanded at a 5.9% CAGR, reflecting consistent balance sheet growth over the five-year period.

Debt-to-equity ratio of 0.26 is below the cohort median of 0.29, suggesting a conservative leverage profile.

Cash conversion ratio of 3.45 ranks in the top quartile, highlighting efficient cash generation relative to peers.

Revenue declined 4.2% year-over-year in the latest fiscal year, marking a reversal of previous growth trends.

Return on equity of 2.97% falls well below the 6.16% cohort median, indicating inefficient capital utilization.

Long-term debt increased to DKK 1.25 billion, rising despite the significant contraction in free cash flow.

The company faces medium liquidity risk, which may constrain operational flexibility given the recent cash flow drop.

Revenue kr 921.1M, −4,2% YoY; Net income −1,9% YoY.

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• ▍Net income −1,9% YoY
• ▍Free cash flow −76,7% YoY
• ▍Net margin 66.4%

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• ▍Net margin 64.8%

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• ▍Free cash flow +142,3% YoY
• ▍Net margin 64.8%

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• ▍Net income −16,2% YoY
• ▍Free cash flow −51,1% YoY
• ▍Net margin 56.4%

Revenue kr 581.6M; Net margin 76.3%.

• ▍Revenue kr 581.6M
• ▍Net margin 76.3%