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ABACUS GLOBAL MANAGEMENT INC (ABL) Stock Fundamental Analysis

NASDAQ:ABL - US00258Y1047 - Common Stock

6.97 USD
+0.07 (+1.01%)
Last: 8/26/2025, 4:30:00 PM
6.97 USD
0 (0%)
After Hours: 8/26/2025, 4:30:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ABL. ABL was compared to 143 industry peers in the Insurance industry. ABL may be in some trouble as it scores bad on both profitability and health. ABL is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

ABL had positive earnings in the past year.
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

Looking at the Return On Assets, with a value of -2.10%, ABL is doing worse than 86.01% of the companies in the same industry.
The Return On Equity of ABL (-4.13%) is worse than 85.31% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.98%, ABL is in line with its industry, outperforming 48.95% 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

Looking at the Operating Margin, with a value of 12.39%, ABL is in line with its industry, outperforming 57.34% of the companies in the same industry.
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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ABL is destroying value.
The number of shares outstanding for ABL has been increased compared to 1 year ago.
ABL has a worse debt/assets ratio than last year.
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 1.05. 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 1.05 is amongst the best of the industry. ABL outperforms 81.12% of its industry peers.
ABL has a Debt/Equity ratio of 0.55. This is a neutral value indicating ABL is somewhat dependend on debt financing.
The Debt to Equity ratio of ABL (0.55) is worse than 70.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF N/A
Altman-Z 1.05
ROIC/WACC0.26
WACC7.56%
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

ABL has a Current Ratio of 0.47. This is a bad value and indicates that ABL is not financially healthy enough and could expect problems in meeting 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.
ABL has a Quick ratio of 0.47. This is in the better half of the industry: ABL outperforms 76.22% of its industry peers.
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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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 280.00% over the past year.
Looking at the last year, ABL shows a very strong growth in Revenue. The Revenue has grown by 68.56%.
The Revenue has been growing by 353.50% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)280%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%22.22%
Revenue 1Y (TTM)68.56%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%106.57%

3.2 Future

Based on estimates for the next years, ABL will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.72% on average per year.
The Revenue is expected to grow by 53.38% on average over the next years. This is a very strong growth
EPS Next Y22.75%
EPS Next 2Y25.89%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue Next Year81.06%
Revenue Next 2Y53.38%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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 250M
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

With a Price/Earnings ratio of 9.17, the valuation of ABL can be described as very reasonable.
Based on the Price/Earnings ratio, ABL is valued a bit cheaper than 67.83% of the companies in the same industry.
ABL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.08.
ABL is valuated cheaply with a Price/Forward Earnings ratio of 6.77.
ABL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ABL is cheaper than 75.52% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ABL to the average of the S&P500 Index (22.67), we can say ABL is valued rather cheaply.
Industry RankSector Rank
PE 9.17
Fwd PE 6.77
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

ABL's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. ABL is more expensive than 67.83% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 36.87
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.
ABL's earnings are expected to grow with 17.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y25.89%
EPS Next 3Y17.72%

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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 GLOBAL MANAGEMENT INC

NASDAQ:ABL (8/26/2025, 4:30:00 PM)

After market: 6.97 0 (0%)

6.97

+0.07 (+1.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-05 2025-11-05
Inst Owners28.73%
Inst Owner Change2.33%
Ins Owners45.95%
Ins Owner Change-3.34%
Market Cap714.84M
Analysts80
Price Target13.57 (94.69%)
Short Float %11.31%
Short Ratio4.19
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)0%
PT rev (3m)-2.21%
EPS NQ rev (1m)-1.2%
EPS NQ rev (3m)-2.38%
EPS NY rev (1m)4.22%
EPS NY rev (3m)2.86%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)1.79%
Revenue NY rev (1m)4.96%
Revenue NY rev (3m)7.19%
Valuation
Industry RankSector Rank
PE 9.17
Fwd PE 6.77
P/S 5.31
P/FCF N/A
P/OCF N/A
P/B 1.64
P/tB 5.85
EV/EBITDA 36.87
EPS(TTM)0.76
EY10.9%
EPS(NY)1.03
Fwd EY14.78%
FCF(TTM)-2.67
FCFYN/A
OCF(TTM)-2.66
OCFYN/A
SpS1.31
BVpS4.25
TBVpS1.19
PEG (NY)0.4
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 1.05
F-Score1
WACC7.56%
ROIC/WACC0.26
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)280%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%22.22%
EPS Next Y22.75%
EPS Next 2Y25.89%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue 1Y (TTM)68.56%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%106.57%
Revenue Next Year81.06%
Revenue Next 2Y53.38%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y0.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year425.98%
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