SJF Bank AS (FRA:4AC) Debt-to-Asset : 0.04 (As of Jun. 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
49 GF Score
Price €63.20
GF Value €37.34
Valuation Significantly Overvalued
! 9 Warning Signs
View Full Analysis

What is SJF Bank AS Debt-to-Asset?

SJF Bank AS FRA:4AC -0.16% 49 Debt-to-Asset is 0.04 as of Jun. 2026. GuruFocus rates FRA:4AC with a GF Score™ of 49/100 and a GF Value™ of €37.34 (Significantly Overvalued). The stock has 9 warning signs investors should review.

SJF Bank AS's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0.0 Mil. SJF Bank AS's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €215.2 Mil. SJF Bank AS's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was €4,910.2 Mil. SJF Bank AS's debt to asset for the quarter that ended in Jun. 2026 was 0.04.

SJF Bank AS  (FRA:4AC) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

SJF Bank AS Debt-to-Asset Related Terms

SJF Bank AS Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for SJF Bank AS's Debt-to-Asset 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 Debt-to-Asset Chart

SJF Bank AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.06 0.08 0.10 0.07 0.08

SJF Bank AS Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset 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 0.04 0.04 0.08 0.04 0.04

SJF Bank AS Debt-to-Asset Competitor Comparison

For the Banks - Regional subindustry, SJF Bank AS's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SJF Bank AS Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, SJF Bank AS's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where SJF Bank AS's Debt-to-Asset falls into.


FRA:4AC
49GF Score
SJF Bank AS FRA:4AC
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SJF Bank AS Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

SJF Bank AS's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 372.675) / 4719.83
=0.08

SJF Bank AS's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 215.201) / 4910.241
=0.04

* 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 Debt-to-Asset →
What does a Debt-to-Asset of 0.04 mean?
SJF Bank AS (FRA:4AC) has a Debt-to-Asset of 0.04 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on SJF Bank AS and its competitors.
Is SJF Bank AS's Debt-to-Asset too high?
SJF Bank AS's current Debt-to-Asset is 0.04. Overall, SJF Bank AS has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SJF Bank AS's Debt-to-Asset compare to competitors?
SJF Bank AS's Debt-to-Asset of 0.04 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on SJF Bank AS and its competitors. SJF Bank AS's current Debt-to-Asset is 0.04. 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 €37.34, compared to a current price of €63.20 — trading 69.3% above its estimated fair value. The current Debt-to-Asset is 0.04. SJF Bank AS's overall GF Score™ is 49/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For SJF Bank AS (FRA:4AC), the current Debt-to-Asset is 0.04 as of Jun. 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 €63.20 is trading 69.3% above its estimated GF Value™ of €37.34. GuruFocus considers SJF Bank AS to be Significantly Overvalued.

Key valuation signals for FRA:4AC:

  • Debt-to-Asset: 0.04
  • GF Value™: €37.34 vs. price of €63.20 (69.3% above fair value)
  • GF Score™: 49/100 with 9 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.
49GF Score

Get the complete analysis for FRA:4AC

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

€63.20
Price
€37.34
GF Value