SJF Bank AS (LTS:0RD0) Quality Rank

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.

LTS:0RD0 SJF Bank AS LTS:0RD0
62 GF Score
Price kr477.00
GF Value kr285.27
Valuation Significantly Overvalued
! 9 Warning Signs
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What is SJF Bank AS Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

SJF Bank AS Quality Rank Related Terms

LTS:0RD0
62GF Score
SJF Bank AS LTS:0RD0
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 kr477.00 is trading 67.2% above its estimated GF Value™ of kr285.27. GuruFocus considers SJF Bank AS to be Significantly Overvalued.

Key valuation signals for LTS:0RD0:

  • Quality Rank:
  • GF Value™: kr285.27 vs. price of kr477.00 (67.2% above fair value)
  • GF Score™: 62/100 with 9 warning signs

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 AS Business Description

Other Exchanges SJF:Denmark4AC:Germany
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.
62GF Score

Get the complete analysis for LTS:0RD0

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

kr477.00
Price
kr285.27
GF Value