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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.
Credito Emiliano's Sloan Ratio for the quarter that ended in Mar. 2026 was 0.00%.
As of Mar. 2026, Credito Emiliano has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Credito Emiliano (MIL:CE) 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, Credito Emiliano has a Sloan Ratio of 0.00%, indicating the company is in the safe zone and there is no funny business with accruals.
Credito Emiliano Sloan Ratio % Related Terms
Credito Emiliano Sloan Ratio % Historical Data
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The historical data trend for Credito Emiliano'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.
Credito Emiliano Sloan Ratio % Competitor Comparison
For the Banks - Regional subindustry, Credito Emiliano'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.
Credito Emiliano Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, Credito Emiliano's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Credito Emiliano'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.
Credito Emiliano's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Credito Emiliano's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 142.471 (Jun. 2025 ) + 134.619 (Sep. 2025 ) + 115.095 (Dec. 2025 ) + 139.498 (Mar. 2026 ) = €532 Mil.
Credito Emiliano'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 ) = €0 Mil.
Credito Emiliano'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 ) = €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.
Credito Emiliano (MIL:CE) 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 Credito Emiliano and its competitors.
Is Credito Emiliano's Sloan Ratio % too high?
Credito Emiliano's current Sloan Ratio % is 0.00%. Overall, Credito Emiliano has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credito Emiliano's Sloan Ratio % compare to competitors?
Credito Emiliano'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 Credito Emiliano and its competitors. Credito Emiliano'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 Credito Emiliano stock overvalued right now?
Based on GuruFocus' analysis, Credito Emiliano (MIL:CE) is currently considered Significantly Overvalued. The stock's GF Value™ is €9.92, compared to a current price of €18.94 — trading 90.9% above its estimated fair value. The current Sloan Ratio % is 0.00%. Credito Emiliano's overall GF Score™ is 55/100 with 7 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 Credito Emiliano (MIL:CE), 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 Credito Emiliano (MIL:CE) Overvalued in 2026?
Based on GuruFocus' analysis, Credito Emiliano stock appears to be overvalued.
The current stock price of €18.94 is trading 90.9% above its estimated GF Value™ of €9.92.
GuruFocus considers Credito Emiliano to be Significantly Overvalued.
Key valuation signals for MIL:CE:
Sloan Ratio %: 0.00%
GF Value™: €9.92 vs. price of €18.94 (90.9% above fair value)
No single metric tells the full story. See the MIL:CE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credito Emiliano is a banking group that consists of several financial services companies. The group operates in multiple regions throughout Italy, particularly in the north and central portions of the country. Its activities principally include commercial banking, including retail services and small and medium enterprise banking, asset management, bancassurance as well as Trading services, and treasury. The group's distribution network targeting retail and corporate banking customers includes branches, business centers, and financial outlets. It has two operating segments, Banking and Wealth Management. Banking segment involves Commercial Banking, Private Banking, Non-banking, Consumer Credit and Other/Technology. Wealth Management segment involves Asset Management and Insurance.
55GF 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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