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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.
Plenti Group's Sloan Ratio for the quarter that ended in Mar. 2026 was 13.06%.
As of Mar. 2026, Plenti Group has a Sloan Ratio of 13.06%, indicating there is a warning stage of accrual build up.
Plenti Group (ASX:PLT) 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, Plenti Group has a Sloan Ratio of 13.06%, indicating there is a warning stage of accrual build up.
Plenti Group Sloan Ratio % Related Terms
Plenti Group Sloan Ratio % Historical Data
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The historical data trend for Plenti Group'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, Plenti Group'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.
Plenti Group Sloan Ratio % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Plenti Group's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Plenti Group'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.
Plenti Group's Sloan Ratio for the fiscal year that ended in Mar. 2026 is calculated as
For company reported semi-annually, GuruFocus uses latest two semi-annual data as the TTM data.
Plenti Group's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 10.529 (Sep. 2025 ) + 3.773 (Mar. 2026 ) = A$14.3 Mil.
Plenti Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was 20.219 (Sep. 2025 ) + 28.882 (Mar. 2026 ) = A$49.1 Mil.
Plenti Group's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was -257.765 (Sep. 2025 ) + -195.825 (Mar. 2026 ) = A$-453.6 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.
Plenti Group (ASX:PLT) has a Sloan Ratio % of 13.06% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Plenti Group and its competitors.
Is Plenti Group's Sloan Ratio % too high?
Plenti Group's current Sloan Ratio % is 13.06%. Overall, Plenti Group has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Plenti Group's Sloan Ratio % compare to V and MA?
Plenti Group's Sloan Ratio % of 13.06% 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 Plenti Group and its competitors. Plenti Group's current Sloan Ratio % is 13.06%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plenti Group stock overvalued right now?
Based on GuruFocus' analysis, Plenti Group (ASX:PLT) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.10, compared to a current price of A$0.69 — trading 37.3% below its estimated fair value. The current Sloan Ratio % is 13.06%. Plenti Group's overall GF Score™ is 48/100 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 Plenti Group (ASX:PLT), the current Sloan Ratio % is 13.06% 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 Plenti Group (ASX:PLT) Overvalued in 2026?
Based on GuruFocus' analysis, Plenti Group stock appears to be undervalued.
The current stock price of A$0.69 is trading 37.3% below its estimated GF Value™ of A$1.10.
GuruFocus considers Plenti Group to be Possible Value Trap.
Key valuation signals for ASX:PLT:
Sloan Ratio %: 13.06%
GF Value™: A$1.10 vs. price of A$0.69 (37.3% below fair value)
No single metric tells the full story. See the ASX:PLT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plenti Group Ltd is a fintech lender to prime consumer and commercial borrowers. Its operations consist mainly of the provision of financial services in Australia. The company has single operating segment. The company offers offer award-winning automotive, renewable energy and personal loans, delivered by its proprietary technology, to help creditworthy borrowers bring their ideas to life. The company's loan types are Personal Loans, Debt Consolidation Loans, Renovation Loans, Car Loans, EV Loans, Holiday Loans, Medical Loans, Wedding Loans, Motorbike Loans, Moving Cost Loans, Boat Loans, Legal Fee Loans, Solar and Battery Loans, and Caravan Loans.
48GF Score
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