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Sparekassen Sjælland-Fyn A/S (SPKSJF.CO)
Holbæk, DK
Established in 1825 and headquartered in Holbæk, Denmark, Sparekassen Sjælland-Fyn A/S operates as a savings bank, delivering a wide array of financial services and products to both individual and corporate clients. The institution's offerings include deposit accounts, various lending solutions such as mortgages, vehicle, and home loans, alongside overdraft facilities, and a selection of savings and pension schemes. Additionally, it provides asset management, investment opportunities, and insurance products, all accessible through its mobile and internet banking platforms. The company, previously known as Sparekassen Sjælland A/S, officially changed its name to Sparekassen Sjælland-Fyn A/S in May 2016.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.73% | +3.61% | +7.33% | -6.39% | +0.44% | -9.59% | +11.51% | +84.75% | +163.60% | +307.53% | +249.91% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-4.4% Q1'26: -3.3% (vs Q1'25)
-
EPS growth+1.7% Q1'26: +4.9% (vs Q1'25)
-
FCF margin— Q1'26: -511.3% (vs Q1'25)
-
EBIT margin— Q1'26: +47.6% (vs Q1'25)
-
ROIC— Q1'26: +25.4% (vs Q1'25)
-
Share dilution-2.6% Q1'26: -2.1% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 1.29× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.11B
est: 1.04B (+6.8%)
|
1.13B
est: 1.09B (+3.3%)
|
1.18B
est: 1.19B (-0.9%)
|
1.22B
est: 1.26B (-2.8%)
|
1.27B
est: 1.27B (-0.4%)
|
1.78B
est: 1.58B (+12.5%)
|
2.03B
est: 1.74B (+17.1%)
|
1.94B
est: 1.73B (+12.1%)
|
1.80B
1.80B – 1.80B
+4.0% YoY
|
1.85B
1.85B – 1.85B
+2.8% YoY
|
1.85B
1.85B – 1.85B
-0.1% YoY
|
| EBITDA |
278.99M
est: 402.66M (-30.7%)
|
312.56M
est: 424.41M (-26.4%)
|
276.96M
est: 460.52M (-39.9%)
|
562.57M
est: 488.09M (+15.3%)
|
514.98M
est: 493.91M (+4.3%)
|
747.76M
est: 615.06M (+21.6%)
|
852.15M
est: 733.32M (+16.2%)
|
791.47M
est: 732.48M (+8.1%)
|
761.64M
761.64M – 761.64M
+4.0% YoY
|
782.77M
782.77M – 782.77M
+2.8% YoY
|
782.35M
782.35M – 782.35M
-0.1% YoY
|
| EBIT |
230.34M
est: 376.43M (-38.8%)
|
251.34M
est: 396.75M (-36.7%)
|
241.88M
est: 430.51M (-43.8%)
|
531.02M
est: 456.28M (+16.4%)
|
482.05M
est: 461.73M (+4.4%)
|
700.63M
est: 574.98M (+21.9%)
|
814.77M
est: 693.71M (+17.5%)
|
757.49M
est: 692.91M (+9.3%)
|
720.50M
720.50M – 720.50M
+4.0% YoY
|
740.49M
740.49M – 740.49M
+2.8% YoY
|
740.09M
740.09M – 740.09M
-0.1% YoY
|
| Net Income |
148.13M
est: 94.01M (+57.6%)
|
226.72M
est: 185.22M (+22.4%)
|
228.66M
est: 162.92M (+40.3%)
|
443.53M
est: 371.67M (+19.3%)
|
371.77M
est: 347.07M (+7.1%)
|
558.42M
est: 491.97M (+13.5%)
|
623.12M
est: 556.23M (+12.0%)
|
611.59M
est: 544.75M (+12.3%)
|
551.31M
551.31M – 551.31M
+1.2% YoY
|
615.30M
615.30M – 615.30M
+11.6% YoY
|
590.69M
590.69M – 590.69M
-4.0% YoY
|
| SGA |
283.05M
est: 213.68M (+32.5%)
|
263.35M
est: 225.22M (+16.9%)
|
276.68M
est: 244.38M (+13.2%)
|
266.99M
est: 259.01M (+3.1%)
|
287.47M
est: 262.10M (+9.7%)
|
322.14M
est: 326.39M (-1.3%)
|
342.73M
est: 371.15M (-7.7%)
|
533.61M
est: 370.72M (+43.9%)
|
385.48M
385.48M – 385.48M
+4.0% YoY
|
396.17M
396.17M – 396.17M
+2.8% YoY
|
395.96M
395.96M – 395.96M
-0.1% YoY
|
| EPS |
9.30
est: 5.58 (+66.7%)
|
11.66
est: 10.99 (+6.1%)
|
11.82
est: 9.67 (+22.2%)
|
24.32
est: 22.06 (+10.2%)
|
20.03
est: 20.60 (-2.8%)
|
30.02
est: 29.20 (+2.8%)
|
33.40
est: 33.90 (-1.5%)
|
33.95
est: 33.20 (+2.3%)
|
33.60
33.60 – 33.60
+1.2% YoY
|
37.50
37.50 – 37.50
+11.6% YoY
|
36.00
36.00 – 36.00
-4.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-20 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-19 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-18 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-13 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-12 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-11 | B | 3/5 | 1/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Dimensional - International Small Cap Value ETF DISV | 0.03% | 1.45M | 0.42% |
| 2 | Dimensional - International Small Cap ETF DFIS | 0.02% | 1.39M | 0.39% |
| 3 | Avantis International Small Cap Equity ETF AVDS | 0.02% | 61.5K | 0.30% |
| 4 | Dimensional - International Vector Equity ETF DXIV | 0.01% | 26.2K | 0.53% |
| 5 | Avantis Responsible International Equity ETF AVSD | 0.01% | 27.1K | 0.23% |
| 6 | Dimensional - International Core Equity 2 ETF DFIC | 0.01% | 784.2K | 0.22% |
| 7 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 552.2K | 0.28% |
| 8 | Dimensional International Sustainability Core 1 ETF DFSI | 0.00% | 44.6K | 0.24% |
| 9 | Dimensional - International Core Equity Market ETF DFAI | 0.00% | 170.6K | 0.18% |
| 10 | Avantis International Small Cap Value ETF AVDV | 0.00% | 143.4K | 0.36% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Lars Petersson | Chairman of the Executive Board, MD & Chief Executive Officer | 5M | male |
| Jan Mark Kolbye Jensen | Savings Bank Director & Member of Executive Board | 4M | male |
| Lars Bolding | Savings Bank Director, Member of Executive Board & Investor Relations Manager | 4M | male |
| Lars Mikkelsen | Credit Director | — | male |
| Louise Lohr | Compliance Manager | — | — |
| Pia Moller Blæsbjerg | Legal Manager | — | female |
| Rikke Thomsen | Communications & Marketing Director | — | — |
| Anette Hjort Hansen | Chief Risk Officer & Risk Director | — | — |
| Thomas Sandal | Chief Internal Auditor | — | male |
| Bettina Theilgaard Krohn | HR Director | — | female |
| Jan Justesen | Deputy Director - Finance | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for SPKSJF.CO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
