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SJF Bank ASLTS:0RD0 -0.36%67 ROA % is 2.12% as of Mar. 2026, which is 67% above its 10-year median of 1.27. GuruFocus rates LTS:0RD0 with a GF Score™ of 67/100 and a GF Value™ of kr259.99 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,528 Banks companies, SJF Bank AS ranks better than 85.21% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. SJF Bank AS's annualizedNet Income for the quarter that ended in Mar. 2026 was kr738 Mil.
SJF Bank AS's average Total Assets over the quarter that ended in Mar. 2026 was kr34,832 Mil. Therefore, SJF Bank AS's annualized ROA % for the quarter that ended in Mar. 2026 was 2.12%.
The historical rank and industry rank for SJF Bank AS's ROA % or its related term are showing as below:
LTS:0RD0'
s ROA % Range Over the Past 10 Years
Min: 0.87 Med: 1.27 Max: 1.95
Current: 1.79
During the past 13 years, SJF Bank AS's highest ROA % was 1.95%. The lowest was 0.87%. And the median was 1.27%.
LTS:0RD0's ROA % is ranked better than 85.21% of 1528
companies
in the Banks industry
Industry Median: 1
vs LTS:0RD0: 1.79
SJF Bank AS (LTS:0RD0) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
SJF Bank AS ROA % Related Terms
SJF Bank AS ROA % Historical Data
* Premium members only.
The historical data trend for SJF Bank AS's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, SJF Bank AS's ROA % distribution charts can be found below:
* The bar in red indicates where SJF Bank AS's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
SJF Bank AS (LTS:0RD0) has a ROA % of 2.12% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on SJF Bank AS and its competitors. This is 67% above median its historical median of 1.27. Over the past decade, SJF Bank AS's ROA % has ranged from 0.87 to 1.95. According to the industry distribution chart, SJF Bank AS ranks #226 out of 1528 companies in the Banks industry, placing it in the top 14.8%.
Is SJF Bank AS's ROA % too high?
SJF Bank AS's current ROA % of 2.12% is 67% above median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.87 to a high of 1.95. The Banks industry median ROA % is 1.00. SJF Bank AS's value of 2.12% is 112% above this industry median. Based on the distribution chart, SJF Bank AS ranks #226 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 ROA % compare to competitors?
According to the Banks industry distribution chart, SJF Bank AS ranks #226 out of 1528 companies for ROA %. This places SJF Bank AS in the top 15% of its industry — outperforming the majority of peers. The industry median ROA % is 1.00. SJF Bank AS's value of 2.12% is 112% above this benchmark. Historically, SJF Bank AS's own ROA % has ranged from 0.87 to 1.95 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 1.00, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SJF Bank AS's current ROA % of 2.12% is 112% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on SJF Bank AS and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SJF Bank AS's current ROA % is 2.12%, which is 67% above median its own 10-year median of 1.27. 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 kr259.99, compared to a current price of kr415.00 — trading 59.6% above its estimated fair value. The current ROA % is 2.12%, which is 67% above median its 10-year median of 1.27 and 112% above the Banks industry median of 1.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For SJF Bank AS (LTS:0RD0), the current ROA % is 2.12% 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 kr415.00 is trading 59.6% above its estimated GF Value™ of kr259.99.
GuruFocus considers SJF Bank AS to be Significantly Overvalued.
Key valuation signals for LTS:0RD0:
ROA %: 2.12% (67% above median its 10-year median of 1.27)
GF Value™: kr259.99 vs. price of kr415.00 (59.6% above fair value)
Industry Position: 112% above the Banks median (#226 of 1528)
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
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