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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.
Banca Mediolanum's Sloan Ratio for the quarter that ended in Dec. 2025 was 0.00%.
As of Dec. 2025, Banca Mediolanum has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Banca Mediolanum (OTCPK:BNMDF) 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, Banca Mediolanum has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Banca Mediolanum Sloan Ratio % Related Terms
Banca Mediolanum Sloan Ratio % Historical Data
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The historical data trend for Banca Mediolanum'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.
Banca Mediolanum Sloan Ratio % Competitor Comparison
For the Banks - Regional subindustry, Banca Mediolanum'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.
Banca Mediolanum Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Mediolanum's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Banca Mediolanum'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.
Banca Mediolanum's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Banca Mediolanum's Net Income for the trailing twelve months (TTM) ended in Dec. 2025 was 263.067 (Mar. 2025 ) + 269.844 (Jun. 2025 ) + 291.968 (Sep. 2025 ) + 599.367 (Dec. 2025 ) = $1,424 Mil.
Banca Mediolanum's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was 0 (Mar. 2025 ) + 0 (Jun. 2025 ) + 0 (Sep. 2025 ) + 0 (Dec. 2025 ) = $0 Mil.
Banca Mediolanum's Cash Flow from Investing for the trailing twelve months (TTM) ended in Dec. 2025 was 0 (Mar. 2025 ) + 0 (Jun. 2025 ) + 0 (Sep. 2025 ) + 0 (Dec. 2025 ) = $0 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.
Banca Mediolanum (BNMDF) has a Sloan Ratio % of 0.00% as of Dec. 2025. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Banca Mediolanum and its competitors.
Is Banca Mediolanum's Sloan Ratio % too high?
Banca Mediolanum's current Sloan Ratio % is 0.00%. Overall, Banca Mediolanum has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Banca Mediolanum's Sloan Ratio % compare to competitors?
Banca Mediolanum's Sloan Ratio % of 0.00% 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 Banca Mediolanum and its competitors. Banca Mediolanum'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 Banca Mediolanum stock overvalued right now?
Banca Mediolanum (BNMDF) has a current Sloan Ratio % of 0.00%. The stock's GF Value™ is $12.81, compared to a current price of $21.65 — trading 69% above its estimated fair value. The current Sloan Ratio % is 0.00%. Banca Mediolanum's overall GF Score™ is 61/100 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 Banca Mediolanum (BNMDF), the current Sloan Ratio % is 0.00% 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 Banca Mediolanum (BNMDF) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Mediolanum stock appears to be overvalued.
The current stock price of $21.65 is trading 69% above its estimated GF Value™ of $12.81.
Key valuation signals for BNMDF:
Sloan Ratio %: 0.00%
GF Value™: $12.81 vs. price of $21.65 (69% above fair value)
No single metric tells the full story. See the BNMDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Mediolanum is an Italy-based company which provides banking and financial services. It operates with various segments namely Lending which includes Retail and Commercial Banking, Treasury activities which has trading and sales, Asset Management and Retail Brokerage. The company offers current accounts, mortgages and loan products; credit, debit, and rechargeable cards and investment products. Geographically, it operates the market of Italy, Spain, and Germany of which Italy accounts for a larger share of revenue.
61GF Score
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