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

NASDAQ:ABLLL - Nasdaq - US00258Y2037

26.67  +0.03 (+0.11%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ABLLL. ABLLL was compared to 144 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

In the past year ABLLL was profitable.
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

Looking at the Return On Assets, with a value of -2.50%, ABLLL is doing worse than 89.44% of the companies in the same industry.
ABLLL has a worse Return On Equity (-4.62%) than 80.99% 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 has a better Operating Margin (14.56%) than 63.38% of its industry peers.
The Gross Margin of ABLLL (90.90%) is better than 98.59% 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.
Compared to 1 year ago, ABLLL has about the same amount of shares outstanding.
Compared to 1 year ago, ABLLL has an improved debt to assets ratio.
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

An Altman-Z score of 7.06 indicates that ABLLL is not in any danger for bankruptcy at the moment.
ABLLL has a better Altman-Z score (7.06) than 97.89% of its industry peers.
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 80.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF N/A
Altman-Z 7.06
ROIC/WACC0.29
WACC9.07%
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

A Current Ratio of 1.29 indicates that ABLLL should not have too much problems paying its short term obligations.
The Current ratio of ABLLL (1.29) is better than 85.21% of its industry peers.
ABLLL has a Quick 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 Quick ratio of 1.29. This is amongst the best in the industry. ABLLL outperforms 85.21% 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

ABLLL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 59.29% yearly.
Based on estimates for the next years, ABLLL will show a very strong growth in Revenue. The Revenue will grow by 54.67% on average per year.
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

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 68.38, which means the current valuation is very expensive for ABLLL.
ABLLL's Price/Earnings ratio is rather expensive when compared to the industry. ABLLL is more expensive than 82.39% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.96. ABLLL is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 31.47, ABLLL can be considered very expensive at the moment.
ABLLL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ABLLL is more expensive than 76.76% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ABLLL to the average of the S&P500 Index (24.11), we can say ABLLL is valued slightly more expensively.
Industry RankSector Rank
PE 68.38
Fwd PE 31.47
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 the industry average as 70.42% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 121.83
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 92.12% in the coming years.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y126.8%
EPS Next 3Y92.12%

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4

5. Dividend

5.1 Amount

ABLLL has a Yearly Dividend Yield of 7.22%, which is a nice return.
ABLLL's Dividend Yield is rather good when compared to the industry average which is at 3.13. ABLLL pays more dividend than 93.66% of the companies in the same industry.
ABLLL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 7.22%

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 0.5 1 1.5

5.3 Sustainability

DPN/A
EPS Next 2Y126.8%
EPS Next 3Y92.12%
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 (1/17/2025, 8:00:00 PM)

26.67

+0.03 (+0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)N/A N/A
Inst Owners15.94%
Inst Owner ChangeN/A
Ins Owners67.65%
Ins Owner ChangeN/A
Market Cap2.50B
Analysts80
Price Target51.26 (92.2%)
Short Float %0.07%
Short Ratio0.83
Dividend
Industry RankSector Rank
Dividend Yield 7.22%
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)8.33%
PT rev (3m)43.76%
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 RankSector Rank
PE 68.38
Fwd PE 31.47
P/S 24.45
P/FCF N/A
P/OCF N/A
P/B 9.7
P/tB 26.8
EV/EBITDA 121.83
EPS(TTM)0.39
EY1.46%
EPS(NY)0.85
Fwd EY3.18%
FCF(TTM)-1.39
FCFYN/A
OCF(TTM)-1.39
OCFYN/A
SpS1.09
BVpS2.75
TBVpS1
PEG (NY)0.23
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 7.06
F-Score3
WACC9.07%
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 Y292.38%
EPS Next 2Y126.8%
EPS Next 3Y92.12%
EPS Next 5Y59.29%
Revenue 1Y (TTM)48.52%
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-34.46%
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