SJF Bank A/SOCSE:SJF +0.14%69 ROE % is 14.41% as of Mar. 2026, which is 52% above its 10-year median of 9.46. 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 1,523 Banks companies, SJF Bank A/S ranks better than 64.08% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. SJF Bank A/S's annualized net income for the quarter that ended in Mar. 2026 was kr738 Mil. SJF Bank A/S's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was kr5,123 Mil. Therefore, SJF Bank A/S's annualized ROE % for the quarter that ended in Mar. 2026 was 14.41%.
The historical rank and industry rank for SJF Bank A/S's ROE % or its related term are showing as below:
OCSE:SJF'
s ROE % Range Over the Past 10 Years
Min: 6.91 Med: 9.46 Max: 13.49
Current: 12.13
During the past 13 years, SJF Bank A/S's highest ROE % was 13.49%. The lowest was 6.91%. And the median was 9.46%.
OCSE:SJF's ROE % is ranked better than 64.08% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs OCSE:SJF: 12.13
SJF Bank A/S (OCSE:SJF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
SJF Bank A/S ROE % Related Terms
SJF Bank A/S ROE % Historical Data
* Premium members only.
The historical data trend for SJF Bank A/S's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, SJF Bank A/S's ROE % distribution charts can be found below:
* The bar in red indicates where SJF Bank A/S's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
SJF Bank A/S (OCSE:SJF) has a ROE % of 14.41% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SJF Bank A/S and its competitors. This is 52% above median its historical median of 9.46. Over the past decade, SJF Bank A/S's ROE % has ranged from 6.91 to 13.49. According to the industry distribution chart, SJF Bank A/S ranks #547 out of 1523 companies in the Banks industry, placing it in the top 35.9%.
Is SJF Bank A/S's ROE % too high?
SJF Bank A/S's current ROE % of 14.41% is 52% above median its 10-year median of 9.46. Over the past 10 years, this metric has ranged from a low of 6.91 to a high of 13.49. The Banks industry median ROE % is 10.22. SJF Bank A/S's value of 14.41% is 41% above this industry median. Based on the distribution chart, SJF Bank A/S ranks #547 out of 1523 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 ROE % compare to competitors?
According to the Banks industry distribution chart, SJF Bank A/S ranks #547 out of 1523 companies for ROE %. This puts SJF Bank A/S in the upper half of its industry. The industry median ROE % is 10.22. SJF Bank A/S's value of 14.41% is 41% above this benchmark. Historically, SJF Bank A/S's own ROE % has ranged from 6.91 to 13.49 over the past decade. While the company's 10-year median is 9.46 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SJF Bank A/S's current ROE % of 14.41% is 41% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SJF Bank A/S and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SJF Bank A/S's current ROE % is 14.41%, which is 52% above median its own 10-year median of 9.46. 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 ROE % is 14.41%, which is 52% above median its 10-year median of 9.46 and 41% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For SJF Bank A/S (OCSE:SJF), the current ROE % is 14.41% 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:
ROE %: 14.41% (52% above median its 10-year median of 9.46)
GF Value™: kr265.52 vs. price of kr364.50 (37.3% above fair value)
Industry Position: 41% above the Banks median (#547 of 1523)
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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