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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.
MBSB Bhd's Sloan Ratio for the quarter that ended in Mar. 2026 was 0.47%.
As of Mar. 2026, MBSB Bhd has a Sloan Ratio of 0.47%, indicating the company is in the safe zone and there is no funny business with accruals.
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, MBSB Bhd has a Sloan Ratio of 0.47%, indicating the company is in the safe zone and there is no funny business with accruals.
MBSB Bhd Sloan Ratio % Related Terms
MBSB Bhd Sloan Ratio % Historical Data
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The historical data trend for MBSB Bhd'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, MBSB Bhd'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.
MBSB Bhd Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, MBSB Bhd's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where MBSB Bhd'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.
MBSB Bhd's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
MBSB Bhd's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 95.557 (Jun. 2025 ) + 95.644 (Sep. 2025 ) + 3.635 (Dec. 2025 ) + 30.137 (Mar. 2026 ) = RM225 Mil.
MBSB Bhd's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was -843.697 (Jun. 2025 ) + -1347.321 (Sep. 2025 ) + 3112.205 (Dec. 2025 ) + 279.141 (Mar. 2026 ) = RM1,200 Mil.
MBSB Bhd's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was -1897.678 (Jun. 2025 ) + 1600.746 (Sep. 2025 ) + -1052.639 (Dec. 2025 ) + 52.313 (Mar. 2026 ) = RM-1,297 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.
MBSB Bhd (XKLS:1171) has a Sloan Ratio % of 0.47% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on MBSB Bhd and its competitors.
Is MBSB Bhd's Sloan Ratio % too high?
MBSB Bhd's current Sloan Ratio % is 0.47%. Overall, MBSB Bhd has a GF Score™ of 40/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MBSB Bhd's Sloan Ratio % compare to PNC and USB?
MBSB Bhd's Sloan Ratio % of 0.47% 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 MBSB Bhd and its competitors. MBSB Bhd's current Sloan Ratio % is 0.47%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBSB Bhd stock overvalued right now?
Based on GuruFocus' analysis, MBSB Bhd (XKLS:1171) is currently considered Modestly Undervalued. The stock's GF Value™ is RM0.72, compared to a current price of RM0.62 — trading 13.9% below its estimated fair value. The current Sloan Ratio % is 0.47%. MBSB Bhd's overall GF Score™ is 40/100 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 MBSB Bhd (XKLS:1171), the current Sloan Ratio % is 0.47% 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 MBSB Bhd (XKLS:1171) Overvalued in 2026?
Based on GuruFocus' analysis, MBSB Bhd stock appears to be undervalued.
The current stock price of RM0.62 is trading 13.9% below its estimated GF Value™ of RM0.72.
GuruFocus considers MBSB Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:1171:
Sloan Ratio %: 0.47%
GF Value™: RM0.72 vs. price of RM0.62 (13.9% below fair value)
No single metric tells the full story. See the XKLS:1171 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBSB Bhd is a Malaysia-based banking company. The company operates through the following segments: Consumer Banking, which includes consumer financing such as property financing, personal financing, and wealth management services with individual customers in Malaysia; Corporate Banking segment includes corporate financing, wholesale financing, contract financing and commercial property financing with business customers; Global Market segment includes saving accounts, current accounts, term deposits, investment accounts, treasury activities including money market, sukuk, derivatives and trading of capital market securities; Investment segment refers to the operations of investment banking, asset management and all other related financial services; and Others segment.
40GF Score
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