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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.
As of Mar. 2026, Ameritrust Financial Technologies has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Ameritrust Financial Technologies (OTCPK:AMTFF) 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, Ameritrust Financial Technologies has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Ameritrust Financial Technologies Sloan Ratio % Related Terms
Ameritrust Financial Technologies Sloan Ratio % Historical Data
* 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.
Ameritrust Financial Technologies Sloan Ratio % Chart
AMTFF vs UBER, SHOP, CRM: Sloan Ratio % Comparison
For the Software - Application subindustry, Ameritrust Financial Technologies'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.
Ameritrust Financial Technologies Sloan Ratio % vs Software Industry
For the Software industry and Technology sector, Ameritrust Financial Technologies's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Ameritrust Financial Technologies's Sloan Ratio % falls into.
Ameritrust Financial Technologies Sloan Ratio % Calculation
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.
Ameritrust Financial Technologies's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was -2.229 (Jun. 2025 ) + -2.16 (Sep. 2025 ) + -3.661 (Dec. 2025 ) + -2.917 (Mar. 2026 ) = $-10.97 Mil.
Ameritrust Financial Technologies's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was -1.04 (Jun. 2025 ) + -1.391 (Sep. 2025 ) + -0.862 (Dec. 2025 ) + -3.448 (Mar. 2026 ) = $-6.74 Mil.
Ameritrust Financial Technologies's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was 0 (Jun. 2025 ) + 0 (Sep. 2025 ) + 0 (Dec. 2025 ) + -1.051 (Mar. 2026 ) = $-1.05 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.
Ameritrust Financial Technologies (AMTFF) has a Sloan Ratio % of 0.00% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Ameritrust Financial Technologies and its competitors.
Is Ameritrust Financial Technologies' Sloan Ratio % too high?
Ameritrust Financial Technologies' current Sloan Ratio % is 0.00%. Overall, Ameritrust Financial Technologies has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ameritrust Financial Technologies' Sloan Ratio % compare to UBER and SHOP?
Ameritrust Financial Technologies' Sloan Ratio % of 0.00% can be compared against companies in the Software 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 Software company?
A good Sloan Ratio % depends on the Software 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 Ameritrust Financial Technologies and its competitors. Ameritrust Financial Technologies's current Sloan Ratio % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ameritrust Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Ameritrust Financial Technologies (AMTFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.01, compared to a current price of $0.19 — trading 1825.2% above its estimated fair value. The current Sloan Ratio % is 0.00%. Ameritrust Financial Technologies' overall GF Score™ is 38/100 with 6 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 Ameritrust Financial Technologies (AMTFF), the current Sloan Ratio % is 0.00% 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 Ameritrust Financial Technologies (AMTFF) Overvalued in 2026?
Based on GuruFocus' analysis, Ameritrust Financial Technologies stock appears to be overvalued.
The current stock price of $0.19 is trading 1825.2% above its estimated GF Value™ of $0.01.
GuruFocus considers Ameritrust Financial Technologies to be Significantly Overvalued.
Key valuation signals for AMTFF:
Sloan Ratio %: 0.00%
GF Value™: $0.01 vs. price of $0.19 (1825.2% above fair value)
No single metric tells the full story. See the AMTFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ameritrust Financial Technologies Business Description
Ameritrust Financial Technologies Inc is a technology provider. It has developed a powerful suite of cloud-based transaction platforms to buy, sell, trade, finance, and lease new and used vehicles, which includes real-time appraisal services, market information, and financing solutions: The company has two segments: Canadian operations and U.S. operations. It derives maximum revenue from U.S operations.
38GF Score
Get the complete analysis for AMTFF
Sloan Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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