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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 Jun. 2026, Qatar International Islamic Bank QSC has a Sloan Ratio of 9.89%, indicating the company is in the safe zone and there is no funny business with accruals.
Qatar International Islamic Bank QSC (DSMD:QIIK) 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 Jun. 2026, Qatar International Islamic Bank QSC has a Sloan Ratio of 9.89%, indicating the company is in the safe zone and there is no funny business with accruals.
Qatar International Islamic Bank QSC Sloan Ratio % Related Terms
Qatar International Islamic Bank QSC 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.
Qatar International Islamic Bank QSC Sloan Ratio % Chart
For the Banks - Regional subindustry, Qatar International Islamic Bank QSC'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.
Qatar International Islamic Bank QSC Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, Qatar International Islamic Bank QSC's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Qatar International Islamic Bank QSC's Sloan Ratio % falls into.
Qatar International Islamic Bank QSC 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.
Qatar International Islamic Bank QSC's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was 408.889 (Sep. 2025 ) + 252.995 (Dec. 2025 ) + 367.76 (Mar. 2026 ) + 345.55 (Jun. 2026 ) = ر.ق1,375 Mil.
Qatar International Islamic Bank QSC's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was -889.646 (Sep. 2025 ) + -1499.194 (Dec. 2025 ) + -1094.911 (Mar. 2026 ) + 2976.478 (Jun. 2026 ) = ر.ق-507 Mil.
Qatar International Islamic Bank QSC's Cash Flow from Investing for the trailing twelve months (TTM) ended in Jun. 2026 was 79.988 (Sep. 2025 ) + -2886.668 (Dec. 2025 ) + -260.117 (Mar. 2026 ) + -1364.484 (Jun. 2026 ) = ر.ق-4,431 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.
Qatar International Islamic Bank QSC (DSMD:QIIK) has a Sloan Ratio % of 9.89% as of Jun. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Qatar International Islamic Bank QSC and its competitors.
Is Qatar International Islamic Bank QSC's Sloan Ratio % too high?
Qatar International Islamic Bank QSC's current Sloan Ratio % is 9.89%. Overall, Qatar International Islamic Bank QSC has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qatar International Islamic Bank QSC's Sloan Ratio % compare to PNC and USB?
Qatar International Islamic Bank QSC's Sloan Ratio % of 9.89% 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 Qatar International Islamic Bank QSC and its competitors. Qatar International Islamic Bank QSC's current Sloan Ratio % is 9.89%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qatar International Islamic Bank QSC stock overvalued right now?
Based on GuruFocus' analysis, Qatar International Islamic Bank QSC (DSMD:QIIK) is currently considered Modestly Undervalued. The stock's GF Value™ is ر.ق12.11, compared to a current price of ر.ق10.65 — trading 12.1% below its estimated fair value. The current Sloan Ratio % is 9.89%. Qatar International Islamic Bank QSC's overall GF Score™ is 58/100 with 4 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 Qatar International Islamic Bank QSC (DSMD:QIIK), the current Sloan Ratio % is 9.89% as of Jun. 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 Qatar International Islamic Bank QSC (DSMD:QIIK) Overvalued in 2026?
Based on GuruFocus' analysis, Qatar International Islamic Bank QSC stock appears to be undervalued.
The current stock price of ر.ق10.65 is trading 12.1% below its estimated GF Value™ of ر.ق12.11.
GuruFocus considers Qatar International Islamic Bank QSC to be Modestly Undervalued.
Key valuation signals for DSMD:QIIK:
Sloan Ratio %: 9.89%
GF Value™: ر.ق12.11 vs. price of ر.ق10.65 (12.1% below fair value)
No single metric tells the full story. See the DSMD:QIIK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qatar International Islamic Bank QSC is engaged in banking, financing, and investing activities. It operates in three segments. The Corporate Banking segment, which is the key revenue driver, includes financing, deposits and other transactions and balances with corporate customers, government and semi-government institutions, and SME customers. The Personal Banking segment includes financing, deposits, and other transactions and balances with retail customers. The Treasury and Investments segment undertake the group's funding and centralized risk management activities through borrowings, issue of Sukuk, use of risk management instruments for risk management purposes, and investing in liquid assets such as short-term deposits and corporate and government Sukuk.
58GF Score
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Sloan Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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