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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.
Military Insurance's Sloan Ratio for the quarter that ended in Jun. 2026 was 0.12%.
As of Jun. 2026, Military Insurance has a Sloan Ratio of 0.12%, indicating the company is in the safe zone and there is no funny business with accruals.
Military Insurance (STC:MIG) 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, Military Insurance has a Sloan Ratio of 0.12%, indicating the company is in the safe zone and there is no funny business with accruals.
Military Insurance Sloan Ratio % Related Terms
Military Insurance Sloan Ratio % Historical Data
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The historical data trend for Military Insurance'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 Insurance - Property & Casualty subindustry, Military Insurance'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.
Military Insurance Sloan Ratio % vs Insurance Industry
For the Insurance industry and Financial Services sector, Military Insurance's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Military Insurance'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.
Military Insurance's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Military Insurance's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was 123098.529 (Sep. 2025 ) + 17297.197 (Dec. 2025 ) + 102230.777 (Mar. 2026 ) + 92157.181 (Jun. 2026 ) = ₫334,784 Mil.
Military Insurance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was 35715.2 (Sep. 2025 ) + 205472.964 (Dec. 2025 ) + 26150.318 (Mar. 2026 ) + 749808.221 (Jun. 2026 ) = ₫1,017,147 Mil.
Military Insurance's Cash Flow from Investing for the trailing twelve months (TTM) ended in Jun. 2026 was 110340.702 (Sep. 2025 ) + -220319.097 (Dec. 2025 ) + 66302.385 (Mar. 2026 ) + -653385.513 (Jun. 2026 ) = ₫-697,062 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.
Military Insurance (STC:MIG) has a Sloan Ratio % of 0.12% as of Jun. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Military Insurance and its competitors.
Is Military Insurance's Sloan Ratio % too high?
Military Insurance's current Sloan Ratio % is 0.12%. Overall, Military Insurance has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Military Insurance's Sloan Ratio % compare to CB and PGR?
Military Insurance's Sloan Ratio % of 0.12% can be compared against companies in the Insurance 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 an Insurance company?
A good Sloan Ratio % depends on the Insurance 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 Military Insurance and its competitors. Military Insurance's current Sloan Ratio % is 0.12%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Military Insurance stock overvalued right now?
Based on GuruFocus' analysis, Military Insurance (STC:MIG) is currently considered Fairly Valued. The stock's GF Value™ is ₫17,103.18, compared to a current price of ₫16,650.00 — trading 2.6% below its estimated fair value. The current Sloan Ratio % is 0.12%. Military Insurance's overall GF Score™ is 79/100 with 3 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 Military Insurance (STC:MIG), the current Sloan Ratio % is 0.12% 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 Military Insurance (STC:MIG) Overvalued in 2026?
Based on GuruFocus' analysis, Military Insurance stock appears to be undervalued.
The current stock price of ₫16,650.00 is trading 2.6% below its estimated GF Value™ of ₫17,103.18.
GuruFocus considers Military Insurance to be Fairly Valued.
Key valuation signals for STC:MIG:
Sloan Ratio %: 0.12%
GF Value™: ₫17,103.18 vs. price of ₫16,650.00 (2.6% below fair value)
No single metric tells the full story. See the STC:MIG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Military Insurance Corp is a non-life insurance company in Vietnam. The Company offers property, casualty, cargo, ships, vehicle, home and other mix insurance.
79GF 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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