SJF Bank AS (FRA:4AC) Net Loan: €2,041.4 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:4AC SJF Bank AS FRA:4AC
25 GF Score
Price €56.60
GF Value €34.91
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is SJF Bank AS Net Loan?

SJF Bank AS FRA:4AC +0.89% 25 Net Loan is €2,041.4 Mil as of Mar. 2026. GuruFocus rates FRA:4AC with a GF Score™ of 25/100 and a GF Value™ of €34.91 (Significantly Overvalued). The stock has 8 warning signs investors should review.

SJF Bank AS's quarterly net loan increased from Sep. 2025 (€1,989.8 Mil) to Dec. 2025 (€2,101.3 Mil) but then declined from Dec. 2025 (€2,101.3 Mil) to Mar. 2026 (€2,041.4 Mil).

SJF Bank AS's annual net loan declined from Dec. 2023 (€1,942.5 Mil) to Dec. 2024 (€2,101.3 Mil) but then increased from Dec. 2024 (€2,101.3 Mil) to Dec. 2025 (€2,041.4 Mil).

SJF Bank AS Net Loan Historical Data

* Premium members only.

The historical data trend for SJF Bank AS's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SJF Bank AS Net Loan Chart

SJF Bank AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,647.85 1,726.72 1,942.46 1,848.53 2,101.28

SJF Bank AS Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,839.06 1,975.84 1,989.82 2,101.28 2,041.45
FRA:4AC
25GF Score
SJF Bank AS FRA:4AC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SJF Bank AS Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €2,041.4 Mil mean?
SJF Bank AS (FRA:4AC) has a Net Loan of €2,041.4 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on SJF Bank AS and its competitors.
Is SJF Bank AS's Net Loan too high?
SJF Bank AS's current Net Loan is €2,041.4 Mil. Overall, SJF Bank AS has a GF Score™ of 25/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SJF Bank AS's Net Loan compare to competitors?
SJF Bank AS's Net Loan of €2,041.4 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on SJF Bank AS and its competitors. SJF Bank AS's current Net Loan is €2,041.4 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SJF Bank AS stock overvalued right now?
Based on GuruFocus' analysis, SJF Bank AS (FRA:4AC) is currently considered Significantly Overvalued. The stock's GF Value™ is €34.91, compared to a current price of €56.60 — trading 62.1% above its estimated fair value. The current Net Loan is €2,041.4 Mil. SJF Bank AS's overall GF Score™ is 25/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For SJF Bank AS (FRA:4AC), the current Net Loan is €2,041.4 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SJF Bank AS (FRA:4AC) Overvalued in 2026?

Based on GuruFocus' analysis, SJF Bank AS stock appears to be overvalued. The current stock price of €56.60 is trading 62.1% above its estimated GF Value™ of €34.91. GuruFocus considers SJF Bank AS to be Significantly Overvalued.

Key valuation signals for FRA:4AC:

  • Net Loan: €2,041.4 Mil
  • GF Value™: €34.91 vs. price of €56.60 (62.1% above fair value)
  • GF Score™: 25/100 with 8 warning signs

No single metric tells the full story. See the FRA:4AC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SJF Bank AS Business Description

Other Exchanges 0RD0:UKSJF:Denmark
Address Isefjords Alle 5, Holbaek, DNK, 4300
SJF Bank A/S provides banking products and services in Denmark. Its products and services include net banking, commercial insurance, mobile banking, rental of commercial lease, financing, insurance and pension.
25GF Score

Get the complete analysis for FRA:4AC

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€56.60
Price
€34.91
GF Value