Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Sparekassen Sjælland-Fyn A/S is a Danish savings bank that provides banking and financial services to private individuals, businesses, and corporate customers. Its product range includes residential and car loans, savings and deposit solutions, pension products, investment services, and insurance offerings. The bank also delivers online and mobile banking, along with digital tools designed to support everyday financial management. Based in Holbæk, Denmark, Sparekassen Sjælland-Fyn A/S serves customers through a regional banking model with a focus on personal advice and local service. As a financial institution, it plays a broad role in household lending, business financing, and retail banking across its core markets in Denmark.
DKK 371.50
+DKK 1.50 (+0.41%)
EOD Jul 1, 2026
34.19% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 2.1%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
9.9x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
DKK 1.79B
▲ +2.1% YoY
Net Income (TTM)
DKK 625M
▼ -1.9% YoY
Net Margin
34.99%
P/E
9.9x
Balance Sheet
Total Assets
DKK 35.25B
Equity
DKK 5.14B
Total Debt
DKK 2.78B
Cash & Equiv.
DKK 5.15B
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At a P/E of 9.9, Sparekassen Sjælland-Fyn A/S (SJF.XCSE)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Sparekassen Sjælland-Fyn A/S scores 70/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.2%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Sparekassen Sjælland-Fyn A/S scores 70 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Sparekassen Sjælland-Fyn A/S pays a regular dividend of about DKK 12.05 per share per year (typically in quarterly installments), a yield of roughly 3.2% at the current price. That is a payout ratio of about 31.3% of earnings, so the dividend is amply covered by earnings. Sparekassen Sjælland-Fyn A/S has grown the dividend at roughly 25.3% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For SJF.XCSE's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh SJF.XCSE's valuation and scores 70/100 on quality (solid). It also yields about 3.2%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.