ABACUS LIFE INC (ABL)
US00258Y1047 - Common Stock
Overall ABL gets a fundamental rating of 3 out of 10. We evaluated ABL against 140 industry peers in the Insurance industry. The financial health of ABL is average, but there are quite some concerns on its profitability. ABL is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year ABL was profitable.
In the past year ABL has reported a negative cash flow from operations.
1.2 Ratios
Looking at the Return On Assets, with a value of -2.50%, ABL is doing worse than 88.41% of the companies in the same industry.
Looking at the Return On Equity, with a value of -4.62%, ABL is doing worse than 79.71% of the companies in the same industry.
ABL has a Return On Invested Capital (2.60%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
ABL has a Operating Margin of 14.56%. This is in the better half of the industry: ABL outperforms 64.49% of its industry peers.
Looking at the Gross Margin, with a value of 90.90%, ABL belongs to the top of the industry, outperforming 99.28% of the companies in the same industry.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
ABL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for ABL remains at a similar level compared to 1 year ago.
The debt/assets ratio for ABL has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.25 indicates that ABL is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.25, ABL belongs to the top of the industry, outperforming 92.03% of the companies in the same industry.
ABL has a Debt/Equity ratio of 0.65. This is a neutral value indicating ABL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.65, ABL is doing worse than 78.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.25 |
ROIC/WACC0.3
WACC8.66%
2.3 Liquidity
A Current Ratio of 1.29 indicates that ABL should not have too much problems paying its short term obligations.
ABL's Current ratio of 1.29 is amongst the best of the industry. ABL outperforms 86.96% of its industry peers.
ABL has a Quick 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 has a better Quick ratio (1.29) than 86.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.29 | ||
| Quick Ratio | 1.29 |
3. Growth
3.1 Past
The earnings per share for ABL have decreased strongly by -123.45% in the last year.
ABL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.06%.
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
Based on estimates for the next years, ABL will show a very strong growth in Earnings Per Share. The EPS will grow by 59.29% on average per year.
The Revenue is expected to grow by 54.67% on average over the next years. This is a very strong growth
EPS Next Y292.38%
EPS Next 2Y126.8%
EPS Next 3Y92.12%
EPS Next 5Y59.29%
Revenue Next Year70.9%
Revenue Next 2Y68.03%
Revenue Next 3Y54.67%
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 20.26, ABL is valued on the expensive side.
Based on the Price/Earnings ratio, ABL is valued a bit more expensive than the industry average as 65.22% of the companies are valued more cheaply.
ABL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.32 indicates a reasonable valuation of ABL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ABL indicates a somewhat cheap valuation: ABL is cheaper than 64.49% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.69. ABL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.26 | ||
| Fwd PE | 9.32 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ABL is valued a bit more expensive than 68.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 41.12 |
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.
ABL's earnings are expected to grow with 92.12% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y126.8%
EPS Next 3Y92.12%
5. Dividend
5.1 Amount
ABL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
ABACUS LIFE INC
NASDAQ:ABL (1/3/2025, 8:18:00 PM)
After market: 7.9 0 (0%)7.9
+0.16 (+2.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners15.94%
Inst Owner Change16.78%
Ins Owners67.65%
Ins Owner Change-9.16%
Market Cap741.73M
Analysts80
Price Target14.66 (85.57%)
Short Float %1.57%
Short Ratio2.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)1.77%
PT rev (3m)2.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.62%
EPS NY rev (1m)5.49%
EPS NY rev (3m)12.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.21%
Revenue NY rev (1m)4.69%
Revenue NY rev (3m)-0.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.26 | ||
| Fwd PE | 9.32 | ||
| P/S | 7.24 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.87 | ||
| P/tB | 7.94 | ||
| EV/EBITDA | 41.12 |
EPS(TTM)0.39
EY4.94%
EPS(NY)0.85
Fwd EY10.73%
FCF(TTM)-1.39
FCFYN/A
OCF(TTM)-1.39
OCFYN/A
SpS1.09
BVpS2.75
TBVpS1
PEG (NY)0.07
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.25 |
F-Score2
WACC8.66%
ROIC/WACC0.3
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 Y292.38%
EPS Next 2Y126.8%
EPS Next 3Y92.12%
EPS Next 5Y59.29%
Revenue 1Y (TTM)17.06%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.28%
Revenue Next Year70.9%
Revenue Next 2Y68.03%
Revenue Next 3Y54.67%
Revenue Next 5YN/A
EBIT growth 1Y-73.57%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year174%
EBIT Next 3Y87.33%
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