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.
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.
SJF Bank ASLTS:0RD0 -1.01%67 Net Margin % is 40.16% as of Mar. 2026, which is 51% above its 10-year median of 26.54. GuruFocus rates LTS:0RD0 with a GF Score™ of 67/100 and a GF Value™ of kr259.97 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,527 Banks companies, SJF Bank AS ranks better than 72.89% on this metric.
Net margin is calculated as Net Income divided by its Revenue. SJF Bank AS's Net Income for the
three
months ended in Mar. 2026 was kr185 Mil. SJF Bank AS's Revenue for the
three
months ended in Mar. 2026 was kr459 Mil. Therefore, SJF Bank AS's net margin for the quarter that ended in Mar. 2026 was 40.16%.
The historical rank and industry rank for SJF Bank AS's Net Margin % or its related term are showing as below:
LTS:0RD0'
s Net Margin % Range Over the Past 10 Years
Min: 16.87 Med: 26.54 Max: 35.55
Current: 33.93
LTS:0RD0's Net Margin % is ranked better than 72.89% of 1527
companies
in the Banks industry
Industry Median: 27.06
vs LTS:0RD0: 33.93
SJF Bank AS (LTS:0RD0) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
SJF Bank AS Net Margin % Related Terms
SJF Bank AS Net Margin % Historical Data
* Premium members only.
The historical data trend for SJF Bank AS's Net Margin % 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 AS's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SJF Bank AS's Net Margin % distribution charts can be found below:
* The bar in red indicates where SJF Bank AS's Net Margin % falls into.
* 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 (LTS:0RD0) has a Net Margin % of 40.16% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on SJF Bank AS and its competitors. This is 51% above median its historical median of 26.54. Over the past decade, SJF Bank AS's Net Margin % has ranged from 16.87 to 35.55. According to the industry distribution chart, SJF Bank AS ranks #414 out of 1527 companies in the Banks industry, placing it in the top 27.1%.
Is SJF Bank AS's Net Margin % too high?
SJF Bank AS's current Net Margin % of 40.16% is 51% above median its 10-year median of 26.54. Over the past 10 years, this metric has ranged from a low of 16.87 to a high of 35.55. The Banks industry median Net Margin % is 27.06. SJF Bank AS's value of 40.16% is 48.4% above this industry median. Based on the distribution chart, SJF Bank AS ranks #414 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, SJF Bank AS has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SJF Bank AS's Net Margin % compare to competitors?
According to the Banks industry distribution chart, SJF Bank AS ranks #414 out of 1527 companies for Net Margin %. This puts SJF Bank AS in the upper half of its industry. The industry median Net Margin % is 27.06. SJF Bank AS's value of 40.16% is 48.4% above this benchmark. Historically, SJF Bank AS's own Net Margin % has ranged from 16.87 to 35.55 over the past decade. While the company's 10-year median is 26.54 vs. the industry median of 27.06, SJF Bank AS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SJF Bank AS's current Net Margin % of 40.16% is 48.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on SJF Bank AS and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SJF Bank AS's current Net Margin % is 40.16%, which is 51% above median its own 10-year median of 26.54. 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 (LTS:0RD0) is currently considered Significantly Overvalued. The stock's GF Value™ is kr259.97, compared to a current price of kr416.50 — trading 60.2% above its estimated fair value. The current Net Margin % is 40.16%, which is 51% above median its 10-year median of 26.54 and 48.4% above the Banks industry median of 27.06. SJF Bank AS's overall GF Score™ is 67/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For SJF Bank AS (LTS:0RD0), the current Net Margin % is 40.16% 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 (LTS:0RD0) Overvalued in 2026?
Based on GuruFocus' analysis, SJF Bank AS stock appears to be overvalued.
The current stock price of kr416.50 is trading 60.2% above its estimated GF Value™ of kr259.97.
GuruFocus considers SJF Bank AS to be Significantly Overvalued.
Key valuation signals for LTS:0RD0:
Net Margin %: 40.16% (51% above median its 10-year median of 26.54)
GF Value™: kr259.97 vs. price of kr416.50 (60.2% above fair value)
Industry Position: 48.4% above the Banks median (#414 of 1527)
No single metric tells the full story. See the LTS:0RD0 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.
67GF Score
Get the complete analysis for LTS:0RD0
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LTS:0RD0 has been successfully added to your 
