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ABACUS GLOBAL MANAGEMENT INC (ABL) Stock Fundamental Analysis

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

6.06  +0.22 (+3.77%)

After market: 6.1199 +0.06 (+0.99%)

Fundamental Rating

3

Overall ABL gets a fundamental rating of 3 out of 10. We evaluated ABL against 143 industry peers in the Insurance industry. Both the profitability and financial health of ABL have multiple concerns. ABL has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ABL was profitable.
ABL had a negative operating cash flow in the past year.
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 2024 0 -50M -100M -150M -200M

1.2 Ratios

ABL's Return On Assets of -2.10% is on the low side compared to the rest of the industry. ABL is outperformed by 88.11% of its industry peers.
Looking at the Return On Equity, with a value of -4.13%, ABL is doing worse than 86.01% of the companies in the same industry.
With a Return On Invested Capital value of 1.98%, ABL perfoms like the industry average, outperforming 49.65% of the companies in the same industry.
Industry RankSector Rank
ROA -2.1%
ROE -4.13%
ROIC 1.98%
ROA(3y)17.91%
ROA(5y)N/A
ROE(3y)38.8%
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 2024 0 20 40 60 80 100

1.3 Margins

ABL has a Operating Margin (12.39%) which is in line with its industry peers.
ABL has a Gross Margin of 88.29%. This is amongst the best in the industry. ABL outperforms 99.30% of its industry peers.
In the last couple of years the Gross Margin of ABL has grown nicely.
Industry RankSector Rank
OM 12.39%
PM (TTM) N/A
GM 88.29%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y32.83%
GM growth 5YN/A
ABL Yearly Profit, Operating, Gross MarginsABL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 0 20 -20 40 60 80

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2

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 has been increased compared to 1 year ago.
Compared to 1 year ago, ABL has a worse debt to assets ratio.
ABL Yearly Shares OutstandingABL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 20M 40M 60M 80M
ABL Yearly Total Debt VS Total AssetsABL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

ABL has an Altman-Z score of 0.84. This is a bad value and indicates that ABL is not financially healthy and even has some risk of bankruptcy.
ABL's Altman-Z score of 0.84 is fine compared to the rest of the industry. ABL outperforms 79.02% of its industry peers.
A Debt/Equity ratio of 0.55 indicates that ABL is somewhat dependend on debt financing.
ABL's Debt to Equity ratio of 0.55 is on the low side compared to the rest of the industry. ABL is outperformed by 70.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF N/A
Altman-Z 0.84
ROIC/WACC0.22
WACC9.11%
ABL Yearly LT Debt VS Equity VS FCFABL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 0 200M -200M 400M

2.3 Liquidity

A Current Ratio of 0.47 indicates that ABL may have some problems paying its short term obligations.
ABL has a Current ratio of 0.47. This is in the better half of the industry: ABL outperforms 76.22% of its industry peers.
A Quick Ratio of 0.47 indicates that ABL may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.47, ABL is doing good in the industry, outperforming 76.22% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.47
Quick Ratio 0.47
ABL Yearly Current Assets VS Current LiabilitesABL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 50M 100M 150M

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6

3. Growth

3.1 Past

ABL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19425.00%.
ABL shows a strong growth in Revenue. In the last year, the Revenue has grown by 73.24%.
The Revenue has been growing by 353.50% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-19425%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%63.64%
Revenue 1Y (TTM)73.24%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%105.39%

3.2 Future

ABL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.72% yearly.
The Revenue is expected to grow by 45.88% on average over the next years. This is a very strong growth
EPS Next Y19.34%
EPS Next 2Y23.09%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue Next Year69.84%
Revenue Next 2Y45.88%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
ABL Yearly Revenue VS EstimatesABL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
ABL Yearly EPS VS EstimatesABL Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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5

4. Valuation

4.1 Price/Earnings Ratio

ABL is valuated reasonably with a Price/Earnings ratio of 8.42.
Compared to the rest of the industry, the Price/Earnings ratio of ABL indicates a somewhat cheap valuation: ABL is cheaper than 76.22% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, ABL is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.15, the valuation of ABL can be described as very cheap.
Based on the Price/Forward Earnings ratio, ABL is valued a bit cheaper than 76.22% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, ABL is valued rather cheaply.
Industry RankSector Rank
PE 8.42
Fwd PE 6.15
ABL Price Earnings VS Forward Price EarningsABL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ABL is valued a bit more expensive than the industry average as 68.53% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 31.74
ABL Per share dataABL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

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 17.72% in the coming years.
PEG (NY)0.44
PEG (5Y)N/A
EPS Next 2Y23.09%
EPS Next 3Y17.72%

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0

5. Dividend

5.1 Amount

No dividends for ABL!.
Industry RankSector Rank
Dividend Yield N/A

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ABACUS GLOBAL MANAGEMENT INC

NASDAQ:ABL (6/13/2025, 8:00:00 PM)

After market: 6.1199 +0.06 (+0.99%)

6.06

+0.22 (+3.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-11 2025-08-11
Inst Owners28.63%
Inst Owner Change4.33%
Ins Owners46.43%
Ins Owner Change-1.92%
Market Cap586.91M
Analysts80
Price Target13.97 (130.53%)
Short Float %4.05%
Short Ratio3.18
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)13.59%
Min EPS beat(2)12.8%
Max EPS beat(2)14.38%
EPS beat(4)4
Avg EPS beat(4)27.58%
Min EPS beat(4)12.8%
Max EPS beat(4)46.41%
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)2
Avg Revenue beat(2)10.21%
Min Revenue beat(2)9.92%
Max Revenue beat(2)10.49%
Revenue beat(4)3
Avg Revenue beat(4)4.81%
Min Revenue beat(4)-2.08%
Max Revenue beat(4)10.49%
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)1.48%
PT rev (3m)-1.26%
EPS NQ rev (1m)-1.18%
EPS NQ rev (3m)-2.61%
EPS NY rev (1m)-0.58%
EPS NY rev (3m)3.09%
Revenue NQ rev (1m)5.32%
Revenue NQ rev (3m)4.22%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)1.71%
Valuation
Industry RankSector Rank
PE 8.42
Fwd PE 6.15
P/S 4.36
P/FCF N/A
P/OCF N/A
P/B 1.35
P/tB 4.8
EV/EBITDA 31.74
EPS(TTM)0.72
EY11.88%
EPS(NY)0.98
Fwd EY16.25%
FCF(TTM)-2.82
FCFYN/A
OCF(TTM)-2.82
OCFYN/A
SpS1.39
BVpS4.5
TBVpS1.26
PEG (NY)0.44
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.1%
ROE -4.13%
ROCE 2.3%
ROIC 1.98%
ROICexc 2.1%
ROICexgc 3.89%
OM 12.39%
PM (TTM) N/A
GM 88.29%
FCFM N/A
ROA(3y)17.91%
ROA(5y)N/A
ROE(3y)38.8%
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 3Y32.83%
GM growth 5YN/A
F-Score1
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF N/A
Debt/EBITDA 8.6
Cap/Depr 7.2%
Cap/Sales 0.59%
Interest Coverage 1.09
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.47
Quick Ratio 0.47
Altman-Z 0.84
F-Score1
WACC9.11%
ROIC/WACC0.22
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.34%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19425%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%63.64%
EPS Next Y19.34%
EPS Next 2Y23.09%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue 1Y (TTM)73.24%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%105.39%
Revenue Next Year69.84%
Revenue Next 2Y45.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y0.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year425.88%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-2408.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2401.54%
OCF growth 3YN/A
OCF growth 5YN/A