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.
Credit du Maroc's Sloan Ratio for the quarter that ended in Mar. 2026 was 0.00%.
As of Mar. 2026, Credit du Maroc has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Credit du Maroc (CAS:CDM) 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, Credit du Maroc has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Credit du Maroc Sloan Ratio % Related Terms
Credit du Maroc Sloan Ratio % Historical Data
* Premium members only.
The historical data trend for Credit du Maroc'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 Banks - Regional subindustry, Credit du Maroc'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.
Credit du Maroc Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, Credit du Maroc's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Credit du Maroc'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.
Credit du Maroc's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Credit du Maroc's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 246.953 (Jun. 2025 ) + 244.842 (Sep. 2025 ) + 173.562 (Dec. 2025 ) + 271.851 (Mar. 2026 ) = MAD937 Mil.
Credit du Maroc's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was 0 (Jun. 2025 ) + 0 (Sep. 2025 ) + 0 (Dec. 2025 ) + 0 (Mar. 2026 ) = MAD0 Mil.
Credit du Maroc'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 ) + 0 (Mar. 2026 ) = MAD0 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.
Credit du Maroc (CAS:CDM) 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 Credit du Maroc and its competitors.
Is Credit du Maroc's Sloan Ratio % too high?
Credit du Maroc's current Sloan Ratio % is 0.00%. Overall, Credit du Maroc has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit du Maroc's Sloan Ratio % compare to PNC and USB?
Credit du Maroc'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 Credit du Maroc and its competitors. Credit du Maroc'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 Credit du Maroc stock overvalued right now?
Based on GuruFocus' analysis, Credit du Maroc (CAS:CDM) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD1,087.32, compared to a current price of MAD980.00 — trading 9.9% below its estimated fair value. The current Sloan Ratio % is 0.00%. Credit du Maroc's overall GF Score™ is 55/100 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 Credit du Maroc (CAS:CDM), 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 Credit du Maroc (CAS:CDM) Overvalued in 2026?
Based on GuruFocus' analysis, Credit du Maroc stock appears to be undervalued.
The current stock price of MAD980.00 is trading 9.9% below its estimated GF Value™ of MAD1,087.32.
GuruFocus considers Credit du Maroc to be Modestly Undervalued.
Key valuation signals for CAS:CDM:
Sloan Ratio %: 0.00%
GF Value™: MAD1,087.32 vs. price of MAD980.00 (9.9% below fair value)
No single metric tells the full story. See the CAS:CDM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit du Maroc SA provides banking services. The company provides commercial banking activities and financial. commercial. property-related activities for its customers in Morocco or overseas.
55GF Score
Get the complete analysis for CAS:CDM
Sloan Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CAS:CDM has been successfully added to your 
