Sparekassen Sjælland-Fyn A/S (SPKSJF.CO)

Sparekassen Sjælland-Fyn A/S (SPKSJF.CO) — VMCI valuation read

Across 120 indicators, Sparekassen Sjælland-Fyn A/S (SPKSJF.CO) lands at VMCI 59/100. The Financial Services sector median is 50, so the 9-point above-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.

No material Form 4 disclosures landed on SPKSJF.CO in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.

**Investor frame.** On Value, SPKSJF.CO trades at 19.0x earnings, 6% above the Financial Services median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 13.0% sits 3.0pp above the Financial Services median (10.0%). On Risk, net debt to EBITDA of 1.6x is the rate-sensitivity line to watch for SPKSJF.CO on the trailing balance sheet.

SPKSJF.CO fell 3.6% over the trailing 7 days, with a -10.0% read on a 30-day basis.