Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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.
PensionBee Group's Sloan Ratio for the quarter that ended in Jun. 2026 was 25.28%.
As of Jun. 2026, PensionBee Group has a Sloan Ratio of 25.28%, indicating there is a warning stage of accrual build up.
PensionBee Group (LSE:PBEE) 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, PensionBee Group has a Sloan Ratio of 25.28%, indicating there is a warning stage of accrual build up.
PensionBee Group Sloan Ratio % Related Terms
PensionBee Group Sloan Ratio % Historical Data
* Premium members only.
The historical data trend for PensionBee 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.
LSE:PBEE vs MS, GS, SCHW: Sloan Ratio % Comparison
For the Capital Markets subindustry, PensionBee 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.
PensionBee Group Sloan Ratio % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, PensionBee Group's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where PensionBee 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.
PensionBee Group's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
For company reported semi-annually, GuruFocus uses latest two semi-annual data as the TTM data.
PensionBee Group's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was 2.213 (Dec. 2025 ) + 8.211 (Jun. 2026 ) = £10.42 Mil.
PensionBee Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was -1.311 (Dec. 2025 ) + -1.264 (Jun. 2026 ) = £-2.58 Mil.
PensionBee Group's Cash Flow from Investing for the trailing twelve months (TTM) ended in Jun. 2026 was -0.073 (Dec. 2025 ) + -0.09 (Jun. 2026 ) = £-0.16 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.
PensionBee Group (LSE:PBEE) has a Sloan Ratio % of 25.28% as of Jun. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on PensionBee Group and its competitors.
Is PensionBee Group's Sloan Ratio % too high?
PensionBee Group's current Sloan Ratio % is 25.28%. Overall, PensionBee Group has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PensionBee Group's Sloan Ratio % compare to MS and GS?
PensionBee Group's Sloan Ratio % of 25.28% can be compared against companies in the Capital Markets 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 Capital Markets company?
A good Sloan Ratio % depends on the Capital Markets 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 PensionBee Group and its competitors. PensionBee Group's current Sloan Ratio % is 25.28%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PensionBee Group stock overvalued right now?
Based on GuruFocus' analysis, PensionBee Group (LSE:PBEE) is currently considered Significantly Undervalued. The stock's GF Value™ is £2.20, compared to a current price of £1.45 — trading 34.1% below its estimated fair value. The current Sloan Ratio % is 25.28%. PensionBee Group's overall GF Score™ is 77/100. 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 PensionBee Group (LSE:PBEE), the current Sloan Ratio % is 25.28% 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 PensionBee Group (LSE:PBEE) Overvalued in 2026?
Based on GuruFocus' analysis, PensionBee Group stock appears to be undervalued.
The current stock price of £1.45 is trading 34.1% below its estimated GF Value™ of £2.20.
GuruFocus considers PensionBee Group to be Significantly Undervalued.
Key valuation signals for LSE:PBEE:
Sloan Ratio %: 25.28%
GF Value™: £2.20 vs. price of £1.45 (34.1% below fair value)
No single metric tells the full story. See the LSE:PBEE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PensionBee Group PLC is engaged in the provision of direct-to-consumer online pensions. The company helps its customers combine their old pension pots, make flexible contributions, invest in line with their goals and values, and make withdrawals after attaining a certain age. It offers a range of investment plans, including fossil fuel-free and impact investing options, from various asset managers. The firm generates a vast majority of its revenue in the form of fees it charges for fund administration. These fees are earned for administering the customer pension schemes and are charged based on a fixed percentage of the value of a customer's assets held by the pension scheme. Geographically, it generates the majority of its revenue from the United Kingdom.
77GF Score
Get the complete analysis for LSE:PBEE
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
LSE:PBEE has been successfully added to your 
