SJF Bank A/S (SJF) — Cash Flow Quality Index
SJF Bank A/S (SJF) has a Cash Flow Quality Index of -13.13x as of March 2026. Operating cash flow of Dkr-2.42 Billion is below net income of Dkr184.51 Million, suggesting accrual-heavy earnings not yet converted to cash. For the full cash flow conversion analysis, see SJF cash generation efficiency.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
SJF Bank A/S Cash Flow Quality Index (2022–2025)
Historical Cash Flow Quality Index for SJF Bank A/S across 4 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore debt repayment capacity of SJF Bank A/S to assess how comfortably operating cash covers total debt obligations.
Annual Cash Flow Quality Index for SJF Bank A/S (2022–2025)
Year-by-year earnings quality comparison for SJF Bank A/S. Explore how much does SJF Bank A/S reinvest in capital to see what proportion of operating cash flow is directed to capital expenditures.
| Year | Quality Index | Operating CF (DKK) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -0.21x | Dkr-126.72 Million | Dkr611.59 Million | ▼ -104.4% |
| 2024 | 4.74x | Dkr2.95 Billion | Dkr623.12 Million | ▲ +73.8% |
| 2023 | 2.72x | Dkr1.52 Billion | Dkr558.42 Million | ▲ +254.9% |
| 2022 | -1.76x | Dkr-653.95 Million | Dkr371.76 Million | — |