The lowest accruals

Accruals: (profit − operating cash flow) over assets

Ranked from the filings of the companies this site has read, under . 50 of them report a figure for this; the rest are absent rather than ranked last, because a filing that does not carry a number is not a company that scores badly on it.

#CompanyAccruals: (profit − operating cash flow) over assets
1 WELLS FARGO & COMPANY/MN WFC 0.15%
2 SCHWAB CHARLES CORP SCHW 0.15%
3 BUNGE GLOBAL SA BG 0.20%
4 Steel Dynamics, Inc. STLD 0.21%
5 ASSURED GUARANTY LTD. AGO 0.21%
6 Stora Enso Oyj STERV.HE 0.22%
7 ARKO Petroleum Corp. APC 0.24%
8 Adyen N.V. ADYEN.AS 0.26%
9 LLOYDS BANK PLC LLOY.L 0.26%
10 PRIME OFFICE A/S PRIMOF.CO 0.40%
11 VERTEX PHARMACEUTICALS INC / MA VRTX 0.41%
12 Zoom Communications, Inc. ZM 0.41%
13 Hamilton Insurance Group, Ltd. HG 0.46%
14 HUMANA INC HUM 0.48%
15 JD.com, Inc. JD 0.60%
16 NIKE, Inc. NKE 0.62%
17 MP Materials Corp. / DE MP 0.63%
18 ALLSTATE CORP ALL 0.67%
19 Aon plc AON 0.72%
20 ADVANCE AUTO PARTS, INC. AAP 0.75%
21 GLUNZ & JENSEN HOLDING A/S GJ.CO 0.80%
22 JEUDAN A/S JDAN.CO 0.89%
23 STIFEL FINANCIAL CORP SF 1.11%
24 SHARKNINJA, INC. SN 1.20%
25 PARK STREET A/S PARKST-A.CO 1.23%
26 BRITISH AMERICAN TOBACCO P.L.C. BATS.L 1.30%
27 ALCOA CORP AA 1.34%
28 TORONTO DOMINION BANK TD 1.36%
29 AB Akola group YG4.F 1.42%
30 ALAMOS GOLD INC. AGI 1.42%
31 UBIQUITI INC. UI 1.44%
32 FRANKLIN RESOURCES INC BEN 1.48%
33 BlackRock, Inc. BLK 1.50%
34 YUM! BRANDS, INC. YUM 1.54%
35 CPI Europe AG AT0000A3A972.VI 1.61%
36 BABCOCK & WILCOX ENTERPRISES, INC BW 1.64%
37 JENSEN GROUP JEN.BR 1.71%
38 TERADYNE, INC. TER 1.73%
39 Marvell Technology, Inc. MRVL 1.75%
40 AGEAS SA/NV AGS.BR 1.81%
41 Aflac Incorporated AFL 1.91%
42 APPLIED MATERIALS INC /DE AMAT 2.00%
43 Apollo Commercial Real Estate Finance, Inc. ARI 2.13%
44 MORGAN STANLEY MS 2.13%
45 EXMAR EXM.BR 2.17%
46 Ultra Clean Holdings, Inc. UCTT 2.23%
47 S IMMO AG BRI.MI 2.29%
48 UNILEVER PLC UL 2.36%
49 UNILEVER PLC ULVR.L 2.36%
50 CMC MARKETS PLC CMCX.L 2.45%

How this measure is worked out

(Net income − operating cash flow) ÷ total assets × 100

The part of reported profit that is not cash. Net income is profit after everything; the gap with operating cash flow sits in unpaid invoices, inventory and provisions. Total assets is everything the company owns. A high reading is the classic marker of profit held up by the balance sheet.

low is good; the classic marker of earnings propped up by the balance sheet

More about Accruals: (profit − operating cash flow) over assets, and the XBRL tags behind it

What this ranking is not

It is not advice, and a high place is not a recommendation. A company can lead on one measure and fail on every other; that is the reason this site scores five dimensions rather than one and lets you weigh them yourself.

It also ranks only what has been read. A company whose filings are not in this database cannot appear here however well it would have done, and a company whose filing does not tag this figure is absent rather than last.

Worked out on 2026-08-24.

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