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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.
AMMB Holdings Bhd's Sloan Ratio for the quarter that ended in Mar. 2026 was 0.41%.
As of Mar. 2026, AMMB Holdings Bhd has a Sloan Ratio of 0.41%, indicating the company is in the safe zone and there is no funny business with accruals.
AMMB Holdings Bhd (OTCPK:AMMHF) 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 Mar. 2026, AMMB Holdings Bhd has a Sloan Ratio of 0.41%, indicating the company is in the safe zone and there is no funny business with accruals.
AMMB Holdings Bhd Sloan Ratio % Related Terms
AMMB Holdings Bhd Sloan Ratio % Historical Data
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The historical data trend for AMMB Holdings Bhd'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.
AMMB Holdings Bhd Sloan Ratio % Competitor Comparison
For the Banks - Regional subindustry, AMMB Holdings Bhd'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.
AMMB Holdings Bhd Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, AMMB Holdings Bhd's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where AMMB Holdings Bhd'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.
AMMB Holdings Bhd's Sloan Ratio for the fiscal year that ended in Mar. 2026 is calculated as
AMMB Holdings Bhd's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 121.797 (Jun. 2025 ) + 126.995 (Sep. 2025 ) + 129.538 (Dec. 2025 ) + 131.785 (Mar. 2026 ) = $510 Mil.
AMMB Holdings Bhd's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was -68.201 (Jun. 2025 ) + 543.538 (Sep. 2025 ) + 240.636 (Dec. 2025 ) + 36.704 (Mar. 2026 ) = $753 Mil.
AMMB Holdings Bhd's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was 67.211 (Jun. 2025 ) + -385.215 (Sep. 2025 ) + -285.048 (Dec. 2025 ) + 147.364 (Mar. 2026 ) = $-456 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.
AMMB Holdings Bhd (AMMHF) has a Sloan Ratio % of 0.41% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on AMMB Holdings Bhd and its competitors.
Is AMMB Holdings Bhd's Sloan Ratio % too high?
AMMB Holdings Bhd's current Sloan Ratio % is 0.41%. Overall, AMMB Holdings Bhd has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does AMMB Holdings Bhd's Sloan Ratio % compare to competitors?
AMMB Holdings Bhd's Sloan Ratio % of 0.41% can be compared against companies in the Banks 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 Banks company?
A good Sloan Ratio % depends on the Banks 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 AMMB Holdings Bhd and its competitors. AMMB Holdings Bhd's current Sloan Ratio % is 0.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMMB Holdings Bhd stock overvalued right now?
AMMB Holdings Bhd (AMMHF) has a current Sloan Ratio % of 0.41%. The stock's GF Value™ is $1.13, compared to a current price of $1.26 — trading 11.1% above its estimated fair value. The current Sloan Ratio % is 0.41%. AMMB Holdings Bhd's overall GF Score™ is 58/100 with 5 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 AMMB Holdings Bhd (AMMHF), the current Sloan Ratio % is 0.41% as of Mar. 2026. 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 AMMB Holdings Bhd (AMMHF) Overvalued in 2026?
Based on GuruFocus' analysis, AMMB Holdings Bhd stock appears to be overvalued.
The current stock price of $1.26 is trading 11.1% above its estimated GF Value™ of $1.13.
Key valuation signals for AMMHF:
Sloan Ratio %: 0.41%
GF Value™: $1.13 vs. price of $1.26 (11.1% above fair value)
No single metric tells the full story. See the AMMHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMMB Holdings Bhd is a provider of banking and financial services in Malaysia through its subsidiaries: AmBank and AmBank Islamic. The bank's substantial segment which contributes the vast majority of revenue, is retail banking. The retail banking segment provides individuals and small businesses with services such as credit, auto financing, mortgages, credit cards, capital financing, personal loans, deposits, current accounts, and savings accounts. The wholesale banking business engages with corporate finance and advisory services, restructuring, security issuance, futures market services, stockbroking, and derivatives services. The insurance division offers life and general insurance products via its partnership with MetLife International. Investment banking, Fund management.
58GF Score
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