SJF Bank A/S (OCSE:SJF) Scaled Net Operating Assets: 0.08 (As of Mar. 2026)


OCSE:SJF SJF Bank A/S OCSE:SJF
69 GF Score
Price kr365.50
GF Value kr265.53
Valuation Significantly Overvalued
! 7 Warning Signs
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What is SJF Bank A/S Scaled Net Operating Assets?

SJF Bank A/S OCSE:SJF +0.27% 69 Scaled Net Operating Assets is 0.08 as of Mar. 2026. GuruFocus rates OCSE:SJF with a GF Score™ of 69/100 and a GF Value™ of kr265.53 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SJF Bank A/S's operating assets for the quarter that ended in Mar. 2026 was kr30,985 Mil. SJF Bank A/S's operating liabilities for the quarter that ended in Mar. 2026 was kr28,075 Mil. SJF Bank A/S's Total Assets for the quarter that ended in Dec. 2025 was kr35,252 Mil. Therefore, SJF Bank A/S's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.08.

OCSE:SJF
69GF Score
SJF Bank A/S OCSE:SJF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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SJF Bank A/S Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SJF Bank A/S's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(30106.247-27323.655)/32106.62
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=35251.714 - 5145.467
=30106.247

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=30107.11 - 2783.455 - 0
=27323.655

SJF Bank A/S's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(30984.776-28075.122)/35251.714
=0.08

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=34411.551 - 3426.775
=30984.776

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=29311.004 - 1235.882 - 0
=28075.122

* 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.

What does a Scaled Net Operating Assets of 0.08 mean?
SJF Bank A/S (OCSE:SJF) has a Scaled Net Operating Assets of 0.08 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on SJF Bank A/S and its competitors.
Is SJF Bank A/S's Scaled Net Operating Assets too high?
SJF Bank A/S's current Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets compare to competitors?
SJF Bank A/S's Scaled Net Operating Assets of 0.08 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on SJF Bank A/S and its competitors. SJF Bank A/S's current Scaled Net Operating Assets is 0.08. 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 kr265.53, compared to a current price of kr365.50 — trading 37.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.08. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For SJF Bank A/S (OCSE:SJF), the current Scaled Net Operating Assets is 0.08 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 kr365.50 is trading 37.6% above its estimated GF Value™ of kr265.53. GuruFocus considers SJF Bank A/S to be Significantly Overvalued.

Key valuation signals for OCSE:SJF:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: kr265.53 vs. price of kr365.50 (37.6% above fair value)
  • GF Score™: 69/100 with 7 warning signs

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 Business Description

Other Exchanges 0RD0:UK4AC: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.
69GF Score

Get the complete analysis for OCSE:SJF

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr365.50
Price
kr265.53
GF Value