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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
Finance House PJSC's Sloan Ratio for the quarter that ended in Dec. 2025 was -19.41%.
As of Dec. 2025, Finance House PJSC has a Sloan Ratio of -19.41%, indicating there is a warning stage of accrual build up.
Finance House PJSC (ADX:FH) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Dec. 2025, Finance House PJSC has a Sloan Ratio of -19.41%, indicating there is a warning stage of accrual build up.
Finance House PJSC Sloan Ratio % Related Terms
Finance House PJSC Sloan Ratio % Historical Data
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The historical data trend for Finance House PJSC's Sloan Ratio % can be seen below:
* 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.
For the Credit Services subindustry, Finance House PJSC's Sloan Ratio %, along with its competitors' market caps and Sloan Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Finance House PJSC Sloan Ratio % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance House PJSC's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Finance House PJSC's Sloan Ratio % falls into.
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
Finance House PJSC's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Finance House PJSC's Net Income for the trailing twelve months (TTM) ended in Dec. 2025 was -2.607 (Mar. 2025 ) + 11.532 (Jun. 2025 ) + 2.033 (Sep. 2025 ) + 1.241 (Dec. 2025 ) = د.إ12.2 Mil.
Finance House PJSC's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was 205.582 (Mar. 2025 ) + 137.544 (Jun. 2025 ) + 305.563 (Sep. 2025 ) + 180.958 (Dec. 2025 ) = د.إ829.6 Mil.
Finance House PJSC's Cash Flow from Investing for the trailing twelve months (TTM) ended in Dec. 2025 was 0.327 (Mar. 2025 ) + 3.36 (Jun. 2025 ) + -17.358 (Sep. 2025 ) + -8.016 (Dec. 2025 ) = د.إ-21.7 Mil.
* 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.
Finance House PJSC (ADX:FH) has a Sloan Ratio % of -19.41% as of Dec. 2025. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Finance House PJSC and its competitors.
Is Finance House PJSC's Sloan Ratio % too high?
Finance House PJSC's current Sloan Ratio % is -19.41%. Overall, Finance House PJSC has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Finance House PJSC's Sloan Ratio % compare to V and MA?
Finance House PJSC's Sloan Ratio % of -19.41% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Sloan Ratio % for a Credit Services company?
A good Sloan Ratio % depends on the Credit Services industry context. However, Sloan Ratio % 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 Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Finance House PJSC and its competitors. Finance House PJSC's current Sloan Ratio % is -19.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finance House PJSC stock overvalued right now?
Based on GuruFocus' analysis, Finance House PJSC (ADX:FH) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ2.34, compared to a current price of د.إ2.06 — trading 12% below its estimated fair value. The current Sloan Ratio % is -19.41%. Finance House PJSC's overall GF Score™ is 49/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For Finance House PJSC (ADX:FH), the current Sloan Ratio % is -19.41% as of Dec. 2025. 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 Finance House PJSC (ADX:FH) Overvalued in 2026?
Based on GuruFocus' analysis, Finance House PJSC stock appears to be undervalued.
The current stock price of د.إ2.06 is trading 12% below its estimated GF Value™ of د.إ2.34.
GuruFocus considers Finance House PJSC to be Modestly Undervalued.
Key valuation signals for ADX:FH:
Sloan Ratio %: -19.41%
GF Value™: د.إ2.34 vs. price of د.إ2.06 (12% below fair value)
No single metric tells the full story. See the ADX:FH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finance House PJSC is a provider of financial products and services. The group is organised into six major business segments: Commercial and Retail Financing, which provides loans and other credit facilities for institutional and individual customers; Investment, which involves the management of the investment portfolio and treasury activities; Islamic Financing and Investing, which provides investment, consumer and commercial financing; Insurance, which involves non-life insurance services; Construction, involves construction related activities; and Brokerage Services. The group primarily operates in the United Arab Emirates.
49GF Score
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Sloan Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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