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ABACUS LIFE INC - ABL 9 7/8 11/15/28 (ABLLL) Stock Fundamental Analysis

NASDAQ:ABLLL - Nasdaq - US00258Y2037 - Currency: USD

26.55  0 (0%)

After market: 26.52 -0.03 (-0.11%)

Fundamental Rating

3

ABLLL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. ABLLL scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. ABLLL is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

ABLLL had positive earnings in the past year.
In the past year ABLLL has reported a negative cash flow from operations.
ABLLL Yearly Net Income VS EBIT VS OCF VS FCFABLLL 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

ABLLL has a worse Return On Assets (-2.50%) than 90.78% of its industry peers.
ABLLL has a worse Return On Equity (-4.62%) than 82.98% of its industry peers.
The Return On Invested Capital of ABLLL (2.60%) is comparable to the rest of the 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
ABLLL Yearly ROA, ROE, ROICABLLL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 0 20 40 60 80 100

1.3 Margins

ABLLL's Operating Margin of 14.56% is fine compared to the rest of the industry. ABLLL outperforms 63.83% of its industry peers.
The Gross Margin of ABLLL (90.90%) is better than 98.58% 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
ABLLL Yearly Profit, Operating, Gross MarginsABLLL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 0 20 40 60 80

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5

2. Health

2.1 Basic Checks

ABLLL 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 ABLLL remains at a similar level compared to 1 year ago.
ABLLL has a better debt/assets ratio than last year.
ABLLL Yearly Shares OutstandingABLLL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 20M 40M 60M
ABLLL Yearly Total Debt VS Total AssetsABLLL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 100M 200M 300M

2.2 Solvency

ABLLL has an Altman-Z score of 7.24. This indicates that ABLLL is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 7.24, ABLLL belongs to the best of the industry, outperforming 97.87% of the companies in the same industry.
A Debt/Equity ratio of 0.65 indicates that ABLLL is somewhat dependend on debt financing.
The Debt to Equity ratio of ABLLL (0.65) is worse than 80.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF N/A
Altman-Z 7.24
ROIC/WACC0.29
WACC8.97%
ABLLL Yearly LT Debt VS Equity VS FCFABLLL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 0 50M -50M 100M 150M

2.3 Liquidity

ABLLL has a Current Ratio of 1.29. This is a normal value and indicates that ABLLL is financially healthy and should not expect problems in meeting its short term obligations.
ABLLL has a Current ratio of 1.29. This is amongst the best in the industry. ABLLL outperforms 85.11% of its industry peers.
A Quick Ratio of 1.29 indicates that ABLLL should not have too much problems paying its short term obligations.
ABLLL has a Quick ratio of 1.29. This is amongst the best in the industry. ABLLL outperforms 85.11% of its industry peers.
Industry RankSector Rank
Current Ratio 1.29
Quick Ratio 1.29
ABLLL Yearly Current Assets VS Current LiabilitesABLLL 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 ABLLL have decreased strongly by -67.05% in the last year.
Looking at the last year, ABLLL shows a very strong growth in Revenue. The Revenue has grown by 48.52%.
EPS 1Y (TTM)-67.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1900%
Revenue 1Y (TTM)48.52%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.28%

3.2 Future

Based on estimates for the next years, ABLLL will show a very strong growth in Earnings Per Share. The EPS will grow by 59.29% on average per year.
Based on estimates for the next years, ABLLL will show a very strong growth in Revenue. The Revenue will grow by 52.41% on average per year.
EPS Next Y281.8%
EPS Next 2Y113.72%
EPS Next 3Y79.16%
EPS Next 5Y59.29%
Revenue Next Year64.51%
Revenue Next 2Y65.98%
Revenue Next 3Y52.41%
Revenue Next 5YN/A

3.3 Evolution

ABLLL Yearly Revenue VS EstimatesABLLL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
ABLLL Yearly EPS VS EstimatesABLLL 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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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 68.08, which means the current valuation is very expensive for ABLLL.
Based on the Price/Earnings ratio, ABLLL is valued expensively inside the industry as 82.98% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 29.63. ABLLL is valued rather expensively when compared to this.
ABLLL is valuated quite expensively with a Price/Forward Earnings ratio of 35.28.
ABLLL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ABLLL is more expensive than 77.31% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.68. ABLLL is valued rather expensively when compared to this.
Industry RankSector Rank
PE 68.08
Fwd PE 35.28
ABLLL Price Earnings VS Forward Price EarningsABLLL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ABLLL is valued a bit more expensive than 65.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 124.79
ABLLL Per share dataABLLL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2

4.3 Compensation for Growth

ABLLL'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 ABLLL's earnings are expected to grow with 79.16% in the coming years.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y113.72%
EPS Next 3Y79.16%

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4

5. Dividend

5.1 Amount

ABLLL has a Yearly Dividend Yield of 9.25%, which is a nice return.
Compared to an average industry Dividend Yield of 3.09, ABLLL pays a better dividend. On top of this ABLLL pays more dividend than 99.29% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.29, ABLLL pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.25%

5.2 History

ABLLL does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
ABLLL Yearly Dividends per shareABLLL Yearly Dividends per shareYearly Dividends per share 2024 2025 0.5 1 1.5

5.3 Sustainability

DPN/A
EPS Next 2Y113.72%
EPS Next 3Y79.16%
ABLLL Yearly Income VS Free CF VS DividendABLLL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 0 20M -20M -40M -60M

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ABACUS LIFE INC - ABL 9 7/8 11/15/28

NASDAQ:ABLLL (2/21/2025, 8:00:00 PM)

After market: 26.52 -0.03 (-0.11%)

26.55

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)03-19 2025-03-19
Inst Owners15.94%
Inst Owner ChangeN/A
Ins Owners67.65%
Ins Owner ChangeN/A
Market Cap2.57B
Analysts80
Price Target51.26 (93.07%)
Short Float %0.01%
Short Ratio0.07
Dividend
Industry RankSector Rank
Dividend Yield 9.25%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date02-13 2025-02-13 (0.61718)
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)27.35%
EPS NQ rev (1m)-8.28%
EPS NQ rev (3m)-7.05%
EPS NY rev (1m)-2.7%
EPS NY rev (3m)9.69%
Revenue NQ rev (1m)-6.79%
Revenue NQ rev (3m)-3.75%
Revenue NY rev (1m)-3.74%
Revenue NY rev (3m)-1.89%
Valuation
Industry RankSector Rank
PE 68.08
Fwd PE 35.28
P/S 25.05
P/FCF N/A
P/OCF N/A
P/B 9.94
P/tB 27.46
EV/EBITDA 124.79
EPS(TTM)0.39
EY1.47%
EPS(NY)0.75
Fwd EY2.83%
FCF(TTM)-1.36
FCFYN/A
OCF(TTM)-1.35
OCFYN/A
SpS1.06
BVpS2.67
TBVpS0.97
PEG (NY)0.24
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-Score3
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 7.24
F-Score3
WACC8.97%
ROIC/WACC0.29
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)-67.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1900%
EPS Next Y281.8%
EPS Next 2Y113.72%
EPS Next 3Y79.16%
EPS Next 5Y59.29%
Revenue 1Y (TTM)48.52%
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-34.46%
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