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ABACUS GLOBAL MANAGEMENT INC (ABL) Stock Fundamental Analysis

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

8.25  -0.01 (-0.12%)

After market: 8.25 0 (0%)

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 scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. ABL has a decent growth rate and is not valued too expensively.


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 -2.74% is on the low side compared to the rest of the industry. ABL is outperformed by 89.51% of its industry peers.
The Return On Equity of ABL (-5.65%) is worse than 88.11% of its industry peers.
Industry RankSector Rank
ROA -2.74%
ROE -5.65%
ROIC 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
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

The Gross Margin of ABL (89.84%) is better than 99.30% of its industry peers.
ABL's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for ABL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 89.84%
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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4

2. Health

2.1 Basic Checks

ABL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ABL has more shares outstanding
The debt/assets ratio for ABL is higher compared to a year ago.
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 1.22. 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 1.22 is amongst the best of the industry. ABL outperforms 81.12% of its industry peers.
ABL has a Debt/Equity ratio of 0.81. This is a neutral value indicating ABL is somewhat dependend on debt financing.
The Debt to Equity ratio of ABL (0.81) is worse than 86.01% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.81
Debt/FCF N/A
Altman-Z 1.22
ROIC/WACCN/A
WACC7.6%
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 2.55 indicates that ABL has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.55, ABL belongs to the top of the industry, outperforming 93.01% of the companies in the same industry.
A Quick Ratio of 2.55 indicates that ABL has no problem at all paying its short term obligations.
ABL's Quick ratio of 2.55 is amongst the best of the industry. ABL outperforms 93.01% of its industry peers.
Industry RankSector Rank
Current Ratio 2.55
Quick Ratio 2.55
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 -297.18%.
ABL shows a strong growth in Revenue. In the last year, the Revenue has grown by 68.39%.
The Revenue has been growing by 353.50% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-297.18%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%260%
Revenue 1Y (TTM)68.39%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%40.43%

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.
ABL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 44.72% yearly.
EPS Next Y20.03%
EPS Next 2Y20.86%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue Next Year68.37%
Revenue Next 2Y44.72%
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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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.69, the valuation of ABL can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of ABL is on the same level as its industry peers.
When comparing the Price/Earnings ratio of ABL to the average of the S&P500 Index (27.85), we can say ABL is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.57, the valuation of ABL can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as ABL.
When comparing the Price/Forward Earnings ratio of ABL to the average of the S&P500 Index (20.77), we can say ABL is valued slightly cheaper.
Industry RankSector Rank
PE 12.69
Fwd PE 10.57
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

71.33% of the companies in the same industry are cheaper than ABL, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 213.23
ABL Per share dataABL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

The 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)0.63
PEG (5Y)N/A
EPS Next 2Y20.86%
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 (5/1/2025, 8:43:47 PM)

After market: 8.25 0 (0%)

8.25

-0.01 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-27 2025-03-27/amc
Earnings (Next)05-08 2025-05-08
Inst Owners27.75%
Inst Owner Change-0.09%
Ins Owners46.32%
Ins Owner Change-9.14%
Market Cap799.01M
Analysts80
Price Target13.77 (66.91%)
Short Float %2.12%
Short Ratio2.19
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)30.39%
Min EPS beat(2)14.38%
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)4.21%
Min Revenue beat(2)-2.08%
Max Revenue beat(2)10.49%
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)-2.7%
PT rev (3m)-6.09%
EPS NQ rev (1m)8.77%
EPS NQ rev (3m)-12.8%
EPS NY rev (1m)3.69%
EPS NY rev (3m)-7.93%
Revenue NQ rev (1m)4.61%
Revenue NQ rev (3m)-3.8%
Revenue NY rev (1m)0.83%
Revenue NY rev (3m)0.83%
Valuation
Industry RankSector Rank
PE 12.69
Fwd PE 10.57
P/S 7.14
P/FCF N/A
P/OCF N/A
P/B 1.88
P/tB 7.53
EV/EBITDA 213.23
EPS(TTM)0.65
EY7.88%
EPS(NY)0.78
Fwd EY9.46%
FCF(TTM)-2.16
FCFYN/A
OCF(TTM)-2.16
OCFYN/A
SpS1.16
BVpS4.38
TBVpS1.1
PEG (NY)0.63
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.74%
ROE -5.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 89.84%
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 Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0.81
Debt/FCF N/A
Debt/EBITDA 69.61
Cap/Depr 10.18%
Cap/Sales 0.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.55
Quick Ratio 2.55
Altman-Z 1.22
F-Score1
WACC7.6%
ROIC/WACCN/A
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)-297.18%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%260%
EPS Next Y20.03%
EPS Next 2Y20.86%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue 1Y (TTM)68.39%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%40.43%
Revenue Next Year68.37%
Revenue Next 2Y44.72%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-113.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year355.2%
EBIT Next 3YN/A
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