SJF Bank A/SOCSE:SJF +0.14%69 Pretax Margin % is 51.19% as of Mar. 2026, which is 62% above its 10-year median of 31.59. GuruFocus rates OCSE:SJF with a GF Score™ of 69/100 and a GF Value™ of kr265.52 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, SJF Bank A/S ranks better than 71.04% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. SJF Bank A/S's Pre-Tax Income for the
three
months ended in Mar. 2026 was kr235 Mil. SJF Bank A/S's Revenue for the
three
months ended in Mar. 2026 was kr459 Mil. Therefore, SJF Bank A/S's pretax margin for the quarter that ended in Mar. 2026 was 51.19%.
The historical rank and industry rank for SJF Bank A/S's Pretax Margin % or its related term are showing as below:
OCSE:SJF'
s Pretax Margin % Range Over the Past 10 Years
Min: 20.39 Med: 31.59 Max: 46.49
Current: 43.49
OCSE:SJF's Pretax Margin % is ranked better than 71.04% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs OCSE:SJF: 43.49
SJF Bank A/S (OCSE:SJF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
SJF Bank A/S Pretax Margin % Related Terms
SJF Bank A/S Pretax Margin % Historical Data
* Premium members only.
The historical data trend for SJF Bank A/S's Pretax 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.
SJF Bank A/S Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, SJF Bank A/S's Pretax Margin %, along with its competitors' market caps and Pretax 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 A/S Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SJF Bank A/S's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where SJF Bank A/S's Pretax 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 A/S (OCSE:SJF) has a Pretax Margin % of 51.19% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SJF Bank A/S and its competitors. This is 62% above median its historical median of 31.59. Over the past decade, SJF Bank A/S's Pretax Margin % has ranged from 20.39 to 46.49. According to the industry distribution chart, SJF Bank A/S ranks #442 out of 1526 companies in the Banks industry, placing it in the top 29%.
Is SJF Bank A/S's Pretax Margin % too high?
SJF Bank A/S's current Pretax Margin % of 51.19% is 62% above median its 10-year median of 31.59. Over the past 10 years, this metric has ranged from a low of 20.39 to a high of 46.49. The Banks industry median Pretax Margin % is 34.89. SJF Bank A/S's value of 51.19% is 46.7% above this industry median. Based on the distribution chart, SJF Bank A/S ranks #442 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, SJF Bank A/S has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SJF Bank A/S's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, SJF Bank A/S ranks #442 out of 1526 companies for Pretax Margin %. This puts SJF Bank A/S in the upper half of its industry. The industry median Pretax Margin % is 34.89. SJF Bank A/S's value of 51.19% is 46.7% above this benchmark. Historically, SJF Bank A/S's own Pretax Margin % has ranged from 20.39 to 46.49 over the past decade. While the company's 10-year median is 31.59 vs. the industry median of 34.89, SJF Bank A/S 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SJF Bank A/S's current Pretax Margin % of 51.19% is 46.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SJF Bank A/S and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SJF Bank A/S's current Pretax Margin % is 51.19%, which is 62% above median its own 10-year median of 31.59. 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 (OCSE:SJF) is currently considered Significantly Overvalued. The stock's GF Value™ is kr265.52, compared to a current price of kr364.50 — trading 37.3% above its estimated fair value. The current Pretax Margin % is 51.19%, which is 62% above median its 10-year median of 31.59 and 46.7% above the Banks industry median of 34.89. SJF Bank A/S's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For SJF Bank A/S (OCSE:SJF), the current Pretax Margin % is 51.19% 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 A/S (OCSE:SJF) Overvalued in 2026?
Based on GuruFocus' analysis, SJF Bank A/S stock appears to be overvalued.
The current stock price of kr364.50 is trading 37.3% above its estimated GF Value™ of kr265.52.
GuruFocus considers SJF Bank A/S to be Significantly Overvalued.
Key valuation signals for OCSE:SJF:
Pretax Margin %: 51.19% (62% above median its 10-year median of 31.59)
GF Value™: kr265.52 vs. price of kr364.50 (37.3% above fair value)
Industry Position: 46.7% above the Banks median (#442 of 1526)
No single metric tells the full story. See the OCSE:SJF 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.
69GF Score
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