8.495 USD
-0.02 (-0.18%)
8.495 USD
0 (0%)
Taking everything into account, ABL scores 4 out of 10 in our fundamental rating. ABL was compared to 148 industry peers in the Insurance industry. ABL has a bad profitability rating. Also its financial health evaluation is rather negative. ABL is growing strongly while it is still valued neutral. This is a good combination!
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.
1.2 Ratios
ABL has a Return On Assets (1.20%) which is comparable to the rest of the industry.
ABL has a worse Return On Equity (2.51%) than 79.73% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.49%, ABL belongs to the top of the industry, outperforming 82.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 2.51% | ||
| ROIC | 5.49% |
ROA(3y)17.91%
ROA(5y)N/A
ROE(3y)38.8%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of ABL (5.62%) is worse than 62.16% of its industry peers.
With an excellent Operating Margin value of 25.02%, ABL belongs to the best of the industry, outperforming 85.81% of the companies in the same industry.
ABL has a better Gross Margin (87.52%) than 99.32% of its industry peers.
ABL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 25.02% | ||
| PM (TTM) | 5.62% | ||
| GM | 87.52% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y32.83%
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ABL is destroying value.
Compared to 1 year ago, ABL has more shares outstanding
ABL has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.37, we must say that ABL is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of ABL (1.37) is better than 81.76% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that ABL is somewhat dependend on debt financing.
ABL's Debt to Equity ratio of 0.66 is on the low side compared to the rest of the industry. ABL is outperformed by 79.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.37 |
ROIC/WACC0.72
WACC7.62%
2.3 Liquidity
A Current Ratio of 0.93 indicates that ABL may have some problems paying its short term obligations.
ABL has a Current ratio of 0.93. This is in the better half of the industry: ABL outperforms 77.70% of its industry peers.
ABL has a Quick Ratio of 0.93. 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 Quick ratio of 0.93. This is in the better half of the industry: ABL outperforms 77.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 |
3. Growth
3.1 Past
ABL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 94.87%, which is quite impressive.
ABL shows a strong growth in Revenue. In the last year, the Revenue has grown by 91.93%.
ABL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 353.50% yearly.
EPS 1Y (TTM)94.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)91.93%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%123.73%
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 18.56% yearly.
The Revenue is expected to grow by 38.54% on average over the next years. This is a very strong growth
EPS Next Y28.44%
EPS Next 2Y23.95%
EPS Next 3Y18.56%
EPS Next 5YN/A
Revenue Next Year100.07%
Revenue Next 2Y54.74%
Revenue Next 3Y38.54%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.18, which indicates a very decent valuation of ABL.
60.14% of the companies in the same industry are more expensive than ABL, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ABL to the average of the S&P500 Index (26.61), we can say ABL is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.51, the valuation of ABL can be described as reasonable.
ABL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ABL is cheaper than 68.24% of the companies in the same industry.
ABL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.18 | ||
| Fwd PE | 8.51 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ABL is valued a bit more expensive than 64.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 17.43 |
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 18.56% in the coming years.
PEG (NY)0.39
PEG (5Y)N/A
EPS Next 2Y23.95%
EPS Next 3Y18.56%
5. Dividend
5.1 Amount
ABL has a Yearly Dividend Yield of 2.28%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.30, ABL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, ABL pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
5.2 History
ABL 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
5.3 Sustainability
DPN/A
EPS Next 2Y23.95%
EPS Next 3Y18.56%
8.495
-0.02 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners30.82%
Inst Owner Change9.93%
Ins Owners44.76%
Ins Owner Change-3.4%
Market Cap830.39M
Revenue(TTM)196.55M
Net Income(TTM)11.04M
Analysts80
Price Target13.36 (57.27%)
Short Float %20.18%
Short Ratio10.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.22%
Min EPS beat(2)7.62%
Max EPS beat(2)32.82%
EPS beat(4)4
Avg EPS beat(4)16.9%
Min EPS beat(4)7.62%
Max EPS beat(4)32.82%
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)26.76%
Min Revenue beat(2)24.29%
Max Revenue beat(2)29.23%
Revenue beat(4)4
Avg Revenue beat(4)18.48%
Min Revenue beat(4)9.92%
Max Revenue beat(4)29.23%
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)0.77%
PT rev (3m)-1.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.22%
EPS NY rev (1m)4.82%
EPS NY rev (3m)4.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.09%
Revenue NY rev (1m)7.75%
Revenue NY rev (3m)9.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.18 | ||
| Fwd PE | 8.51 | ||
| P/S | 4.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.89 | ||
| P/tB | 6.91 | ||
| EV/EBITDA | 17.43 |
EPS(TTM)0.76
EY8.95%
EPS(NY)1
Fwd EY11.76%
FCF(TTM)-1.14
FCFYN/A
OCF(TTM)-1.13
OCFYN/A
SpS2.01
BVpS4.5
TBVpS1.23
PEG (NY)0.39
PEG (5Y)N/A
Graham Number8.77
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 2.51% | ||
| ROCE | 6.38% | ||
| ROIC | 5.49% | ||
| ROICexc | 6.18% | ||
| ROICexgc | 11.6% | ||
| OM | 25.02% | ||
| PM (TTM) | 5.62% | ||
| GM | 87.52% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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-Score3
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.37 | ||
| Cap/Depr | 5.41% | ||
| Cap/Sales | 0.47% | ||
| Interest Coverage | 1.73 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 | ||
| Altman-Z | 1.37 |
F-Score3
WACC7.62%
ROIC/WACC0.72
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)94.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y28.44%
EPS Next 2Y23.95%
EPS Next 3Y18.56%
EPS Next 5YN/A
Revenue 1Y (TTM)91.93%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%123.73%
Revenue Next Year100.07%
Revenue Next 2Y54.74%
Revenue Next 3Y38.54%
Revenue Next 5YN/A
EBIT growth 1Y229.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year527.05%
EBIT Next 3Y101.79%
EBIT Next 5YN/A
FCF growth 1Y-223.92%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-223.62%
OCF growth 3YN/A
OCF growth 5YN/A
ABACUS GLOBAL MANAGEMENT INC / ABL FAQ
What is the fundamental rating for ABL stock?
ChartMill assigns a fundamental rating of 4 / 10 to ABL.
What is the valuation status for ABL stock?
ChartMill assigns a valuation rating of 5 / 10 to ABACUS GLOBAL MANAGEMENT INC (ABL). This can be considered as Fairly Valued.
What is the profitability of ABL stock?
ABACUS GLOBAL MANAGEMENT INC (ABL) has a profitability rating of 3 / 10.
What are the PE and PB ratios of ABACUS GLOBAL MANAGEMENT INC (ABL) stock?
The Price/Earnings (PE) ratio for ABACUS GLOBAL MANAGEMENT INC (ABL) is 11.18 and the Price/Book (PB) ratio is 1.89.
Can you provide the financial health for ABL stock?
The financial health rating of ABACUS GLOBAL MANAGEMENT INC (ABL) is 2 / 10.