SJF Bank AS (FRA:4AC) Change In Receivables: €0.0 Mil (TTM As of Mar. 2026)

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FRA:4AC SJF Bank AS FRA:4AC
61 GF Score
Price €55.30
GF Value €34.91
! 8 Warning Signs
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What is SJF Bank AS Change In Receivables?

SJF Bank AS FRA:4AC +0.73% 61 Change In Receivables is €0.0 Mil as of Mar. 2026. GuruFocus rates FRA:4AC with a GF Score™ of 61/100 and a GF Value™ of €34.91. The stock has 8 warning signs investors should review.

SJF Bank AS's change in receivables for the quarter that ended in Mar. 2026 was €0.0 Mil. It means SJF Bank AS's Accounts Receivable stayed the same from Dec. 2025 to Mar. 2026 .

SJF Bank AS's change in receivables for the fiscal year that ended in Dec. 2025 was €0.0 Mil. It means SJF Bank AS's Accounts Receivable stayed the same from Dec. 2024 to Dec. 2025 .

SJF Bank AS's Accounts Receivable for the quarter that ended in Mar. 2026 was €0.0 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. SJF Bank AS's Days Sales Outstanding for the three months ended in Mar. 2026 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. SJF Bank AS's liquidation value for the three months ended in Mar. 2026 was €-3,463.1 Mil.

SJF Bank AS  (FRA:4AC) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

SJF Bank AS's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/61.474*91
=0.00

2. In Ben Graham's calculation of liquidation value, SJF Bank AS's accounts receivable are only considered to be worth 75% of book value:

SJF Bank AS's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=458.472-3921.553+0.75 * 0+0.5 * 0
=-3,463.1

* 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 Change In Receivables Related Terms

SJF Bank AS Change In Receivables Historical Data

* Premium members only.

The historical data trend for SJF Bank AS's Change In Receivables 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 Change In Receivables Chart

SJF Bank AS Annual Data
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Change In Receivables
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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
Change In Receivables 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 0.00 0.00 0.00 0.00 0.00
FRA:4AC
61GF Score
SJF Bank AS FRA:4AC
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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SJF Bank AS Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.0 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of €0.0 Mil mean?
SJF Bank AS (FRA:4AC) has a Change In Receivables of €0.0 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for SJF Bank AS and its competitors.
Is SJF Bank AS's Change In Receivables too high?
SJF Bank AS's current Change In Receivables is €0.0 Mil. Overall, SJF Bank AS has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does SJF Bank AS's Change In Receivables compare to competitors?
SJF Bank AS's Change In Receivables of €0.0 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 Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables 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 Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for SJF Bank AS and its competitors. SJF Bank AS's current Change In Receivables is €0.0 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?
SJF Bank AS (FRA:4AC) has a current Change In Receivables of €0.0 Mil. The stock's GF Value™ is €34.91, compared to a current price of €55.30 — trading 58.4% above its estimated fair value. The current Change In Receivables is €0.0 Mil. SJF Bank AS's overall GF Score™ is 61/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For SJF Bank AS (FRA:4AC), the current Change In Receivables is €0.0 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 €55.30 is trading 58.4% above its estimated GF Value™ of €34.91.

Key valuation signals for FRA:4AC:

  • Change In Receivables: €0.0 Mil
  • GF Value™: €34.91 vs. price of €55.30 (58.4% above fair value)
  • GF Score™: 61/100 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.
61GF Score

Get the complete analysis for FRA:4AC

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

€55.30
Price
€34.91
GF Value