SJF Bank A/S (SJF) — Financial Flexibility Index
SJF Bank A/S (SJF) has a Financial Flexibility Index of -0.08x as of March 2026. Free cash flow of Dkr-2.32 Billion (operating CF Dkr-2.42 Billion minus capex Dkr103.06 Million) represents 0% of total liabilities (Dkr29.31 Billion). For the full cash flow conversion analysis, see SJF Bank A/S (SJF) cash conversion ratio.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
SJF Bank A/S Financial Flexibility Index (2022–2025)
Historical Financial Flexibility Index trend for SJF Bank A/S across 4 annual periods. Check SJF goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Financial Flexibility Index for SJF Bank A/S (2022–2025)
Year-by-year free cash flow to debt coverage for SJF Bank A/S. Check SJF cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
| Year | Flexibility Index | Free Cash Flow (DKK) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | Dkr246.71 Million | Dkr-126.72 Million | Dkr30.11 Billion | ▼ -92.8% |
| 2024 | 0.11x | Dkr3.09 Billion | Dkr2.95 Billion | Dkr27.30 Billion | ▲ +89.1% |
| 2023 | 0.06x | Dkr1.63 Billion | Dkr1.52 Billion | Dkr27.27 Billion | ▲ +403.9% |
| 2022 | -0.02x | Dkr-501.85 Million | Dkr-653.95 Million | Dkr25.50 Billion | — |