Intrinsiqq

Sparekassen Sjælland-Fyn A/S (SJF.XCSE) Quality Score

SJF.XCSE
Quality69

Valuation remains strong (avg 90/100), but growth is pulling the composite down (avg 50/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
12.5x

Under 20x, reasonable relative to earnings

Price / Book
90/100
1.46x

1.5x book, reasonable for a financial

Revenue Growth
0/100
1.4%

Below 2%, essentially flat

Book Value Growth
100/100
11.8%

Above 8% book-value compounding, strong

Business Quality & Capital Allocation

Share Dilution
100/100
-4.3%

Shrinking >2%, active buybacks

Return on Equity
80/100
12.2%

10–15%, healthy ROE

Capital Adequacy
100/100
14.6%

14.6% equity/assets, well-capitalized

Margin Trend
20/100
-0.8pp

Modest contraction, within normal range

Sparekassen Sjælland-Fyn A/S (SJF.XCSE) quality: score, margins and returns

Sparekassen Sjælland-Fyn A/S (SJF.XCSE) scores 69/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.

Frequently asked

Is Sparekassen Sjælland-Fyn A/S (SJF.XCSE) a high-quality business?+

Sparekassen Sjælland-Fyn A/S scores 69 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Sparekassen Sjælland-Fyn A/S's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from SJF.XCSE's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Sparekassen Sjælland-Fyn A/S scores well and where it falls behind.

How profitable is Sparekassen Sjælland-Fyn A/S?+

Sparekassen Sjælland-Fyn A/S runs a net margin of about 34.7%. Revenue has grown at roughly 2.1% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.

How the market compares: US profitability statistics

Related stocks: Banks - Regional

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Data sourced from company 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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