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ABACUS LIFE INC (ABL) Stock Fundamental Analysis

NASDAQ:ABL - Nasdaq - US00258Y1047 - Common Stock - Currency: USD

7.43  -0.11 (-1.46%)

After market: 7.43 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ABL. ABL was compared to 144 industry peers in the Insurance industry. The financial health of ABL is average, but there are quite some concerns on its profitability. ABL has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

ABL had positive earnings in the past year.
In the past year ABL has reported a negative cash flow from operations.
ABL Yearly Net Income VS EBIT VS OCF VS FCFABL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 0 20M -20M -40M -60M

1.2 Ratios

The Return On Assets of ABL (-2.50%) is worse than 89.51% of its industry peers.
The Return On Equity of ABL (-4.62%) is worse than 88.11% of its industry peers.
With a Return On Invested Capital value of 2.60%, ABL perfoms like the industry average, outperforming 56.64% of the companies in the same industry.
Industry RankSector Rank
ROA -2.5%
ROE -4.62%
ROIC 2.6%
ROA(3y)19.01%
ROA(5y)N/A
ROE(3y)41.05%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ABL Yearly ROA, ROE, ROICABL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 0 20 40 60 80 100

1.3 Margins

The Operating Margin of ABL (14.56%) is better than 63.64% of its industry peers.
ABL's Gross Margin of 90.90% is amongst the best of the industry. ABL outperforms 99.30% of its industry peers.
Industry RankSector Rank
OM 14.56%
PM (TTM) N/A
GM 90.9%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ABL Yearly Profit, Operating, Gross MarginsABL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 0 20 40 60 80

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4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ABL is destroying value.
ABL has about the same amout of shares outstanding than it did 1 year ago.
ABL has a better debt/assets ratio than last year.
ABL Yearly Shares OutstandingABL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 20M 40M 60M
ABL Yearly Total Debt VS Total AssetsABL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 100M 200M 300M

2.2 Solvency

ABL has an Altman-Z score of 2.18. This is not the best score and indicates that ABL is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of ABL (2.18) is better than 91.61% of its industry peers.
ABL has a Debt/Equity ratio of 0.65. This is a neutral value indicating ABL is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.65, ABL is not doing good in the industry: 79.72% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF N/A
Altman-Z 2.18
ROIC/WACC0.31
WACC8.42%
ABL Yearly LT Debt VS Equity VS FCFABL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 0 50M -50M 100M 150M

2.3 Liquidity

ABL has a Current Ratio of 1.29. This is a normal value and indicates that ABL is financially healthy and should not expect problems in meeting its short term obligations.
ABL's Current ratio of 1.29 is amongst the best of the industry. ABL outperforms 85.31% of its industry peers.
A Quick Ratio of 1.29 indicates that ABL should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.29, ABL belongs to the top of the industry, outperforming 85.31% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.29
Quick Ratio 1.29
ABL Yearly Current Assets VS Current LiabilitesABL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 10M 20M 30M

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4

3. Growth

3.1 Past

The earnings per share for ABL have decreased strongly by -123.45% in the last year.
Looking at the last year, ABL shows a quite strong growth in Revenue. The Revenue has grown by 17.06% in the last year.
EPS 1Y (TTM)-123.45%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1900%
Revenue 1Y (TTM)17.06%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.28%

3.2 Future

The Earnings Per Share is expected to grow by 59.30% on average over the next years. This is a very strong growth
Based on estimates for the next years, ABL will show a very strong growth in Revenue. The Revenue will grow by 52.41% on average per year.
EPS Next Y281.89%
EPS Next 2Y113.74%
EPS Next 3Y79.17%
EPS Next 5Y59.3%
Revenue Next Year64.51%
Revenue Next 2Y65.98%
Revenue Next 3Y52.41%
Revenue Next 5YN/A

3.3 Evolution

ABL Yearly Revenue VS EstimatesABL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
ABL Yearly EPS VS EstimatesABL Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 19.05, the valuation of ABL can be described as rather expensive.
65.03% of the companies in the same industry are cheaper than ABL, based on the Price/Earnings ratio.
ABL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 29.35.
A Price/Forward Earnings ratio of 9.87 indicates a reasonable valuation of ABL.
Based on the Price/Forward Earnings ratio, ABL is valued a bit cheaper than the industry average as 64.34% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.10. ABL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 19.05
Fwd PE 9.87
ABL Price Earnings VS Forward Price EarningsABL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ABL is valued a bit more expensive than the industry average as 67.13% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 40.04
ABL Per share dataABL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2

4.3 Compensation for Growth

ABL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ABL's earnings are expected to grow with 79.17% in the coming years.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y113.74%
EPS Next 3Y79.17%

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0

5. Dividend

5.1 Amount

ABL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ABACUS LIFE INC

NASDAQ:ABL (3/7/2025, 8:03:08 PM)

After market: 7.43 0 (0%)

7.43

-0.11 (-1.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)03-27 2025-03-27
Inst Owners27.75%
Inst Owner Change95.37%
Ins Owners46.32%
Ins Owner Change-9.27%
Market Cap718.04M
Analysts80
Price Target14.15 (90.44%)
Short Float %2.18%
Short Ratio3.5
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)41.58%
Min EPS beat(2)36.74%
Max EPS beat(2)46.41%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.59%
Min Revenue beat(2)-2.08%
Max Revenue beat(2)0.9%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-3.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.28%
EPS NY rev (1m)0%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.77%
Valuation
Industry RankSector Rank
PE 19.05
Fwd PE 9.87
P/S 7.01
P/FCF N/A
P/OCF N/A
P/B 2.78
P/tB 7.68
EV/EBITDA 40.04
EPS(TTM)0.39
EY5.25%
EPS(NY)0.75
Fwd EY10.13%
FCF(TTM)-1.36
FCFYN/A
OCF(TTM)-1.35
OCFYN/A
SpS1.06
BVpS2.67
TBVpS0.97
PEG (NY)0.07
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.5%
ROE -4.62%
ROCE 3.29%
ROIC 2.6%
ROICexc 2.73%
ROICexgc 4.42%
OM 14.56%
PM (TTM) N/A
GM 90.9%
FCFM N/A
ROA(3y)19.01%
ROA(5y)N/A
ROE(3y)41.05%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF N/A
Debt/EBITDA 7.64
Cap/Depr 11.4%
Cap/Sales 0.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.29
Quick Ratio 1.29
Altman-Z 2.18
F-Score2
WACC8.42%
ROIC/WACC0.31
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.93%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-123.45%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1900%
EPS Next Y281.89%
EPS Next 2Y113.74%
EPS Next 3Y79.17%
EPS Next 5Y59.3%
Revenue 1Y (TTM)17.06%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.28%
Revenue Next Year64.51%
Revenue Next 2Y65.98%
Revenue Next 3Y52.41%
Revenue Next 5YN/A
EBIT growth 1Y-73.57%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year165.35%
EBIT Next 3Y82%
EBIT Next 5YN/A
FCF growth 1Y-705.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-703.58%
OCF growth 3YN/A
OCF growth 5YN/A