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SJF Bank A/SFRA:4AC 49 EV-to-FCF is -2.41 as of Jul. 13, 2026. GuruFocus rates FRA:4AC with a GF Score™ of 49/100 and a GF Value™ of €34.83 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,198 Banks companies, SJF Bank A/S ranks worse than 83472.37% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, SJF Bank A/S's Enterprise Value is €587.6 Mil.
SJF Bank A/S's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €-244.1 Mil. Therefore, SJF Bank A/S's EV-to-FCF for today is -2.41.
The historical rank and industry rank for SJF Bank A/S's EV-to-FCF or its related term are showing as below:
FRA:4AC'
s EV-to-FCF Range Over the Past 10 Years
Min: -16.17 Med: 0.18 Max: 124.83
Current: -2.41
During the past 13 years, the highest EV-to-FCF of SJF Bank A/S was 124.83. The lowest was -16.17. And the median was 0.18.
FRA:4AC's EV-to-FCF is ranked worse than 100% of 1198
companies
in the Banks industry
Industry Median: 6.565
vs FRA:4AC: -2.41
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
SJF Bank A/S's PE Ratio (TTM) for today is calculated as:
SJF Bank A/S's share price for today is €53.50.
SJF Bank A/S's Earnings per Share (Diluted) 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 €4.620.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
SJF Bank A/S EV-to-FCF Related Terms
SJF Bank A/S EV-to-FCF Historical Data
* Premium members only.
The historical data trend for SJF Bank A/S's EV-to-FCF 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.
For the Banks - Regional subindustry, SJF Bank A/S's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 A/S EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, SJF Bank A/S's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where SJF Bank A/S's EV-to-FCF falls into.
SJF Bank A/S's current Enterprise Value is €587.6 Mil.
SJF Bank A/S's Free Cash Flow 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 €-244.1 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.
SJF Bank A/S (FRA:4AC) has a EV-to-FCF of -2.41 as of Jul. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SJF Bank A/S and its competitors. According to the industry distribution chart, SJF Bank A/S ranks #999999 out of 1198 companies in the Banks industry.
Is SJF Bank A/S's EV-to-FCF too high?
SJF Bank A/S's current EV-to-FCF is -2.41. Based on the distribution chart, SJF Bank A/S ranks #999999 out of 1198 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SJF Bank A/S 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 A/S's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, SJF Bank A/S ranks #999999 out of 1198 companies for EV-to-FCF. This places SJF Bank A/S in the lower half of its industry. The industry median EV-to-FCF is 6.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,198 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SJF Bank A/S and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SJF Bank A/S's current EV-to-FCF is -2.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SJF Bank A/S stock overvalued right now?
Based on GuruFocus' analysis, SJF Bank A/S (FRA:4AC) is currently considered Significantly Overvalued. The stock's GF Value™ is €34.83, compared to a current price of €53.50 — trading 53.6% above its estimated fair value. The current EV-to-FCF is -2.41. SJF Bank A/S's overall GF Score™ is 49/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For SJF Bank A/S (FRA:4AC), the current EV-to-FCF is -2.41 as of Jul. 13, 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 A/S (FRA:4AC) Overvalued in 2026?
Based on GuruFocus' analysis, SJF Bank A/S stock appears to be overvalued.
The current stock price of €53.50 is trading 53.6% above its estimated GF Value™ of €34.83.
GuruFocus considers SJF Bank A/S to be Significantly Overvalued.
Key valuation signals for FRA:4AC:
EV-to-FCF: -2.41
GF Value™: €34.83 vs. price of €53.50 (53.6% above fair value)
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 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
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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