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ABACUS GLOBAL MANAGEMENT INC (ABL) Stock Fundamental Analysis

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

8.15  -0.04 (-0.49%)

Fundamental Rating

4

Taking everything into account, ABL scores 4 out of 10 in our fundamental rating. ABL was compared to 143 industry peers in the Insurance industry. The financial health of ABL is average, but there are quite some concerns on its profitability. ABL is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

ABL had positive earnings in the past year.
In the past year ABL has reported a negative cash flow from operations.
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

The Return On Assets of ABL (-2.74%) is worse than 90.21% 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.
In the last couple of years the Gross Margin of ABL has grown nicely.
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
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

Based on the Altman-Z score of 1.20, we must say that ABL is in the distress zone and has some risk of bankruptcy.
With an excellent Altman-Z score value of 1.20, ABL belongs to the best of the industry, outperforming 81.12% of the companies in the same industry.
A Debt/Equity ratio of 0.81 indicates that 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 1.2
ROIC/WACCN/A
WACC7.88%
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.
ABL has a better Current ratio (2.55) than 92.31% of its industry peers.
ABL has a Quick Ratio of 2.55. This indicates that ABL is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 2.55, ABL belongs to the top of the industry, outperforming 92.31% of the companies in the same industry.
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

The earnings per share for ABL have decreased strongly by -305.59% in the last year.
Looking at the last year, ABL shows a very strong growth in Revenue. The Revenue has grown by 68.56%.
ABL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 353.50% yearly.
EPS 1Y (TTM)-305.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%63.64%
Revenue 1Y (TTM)68.56%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%105.39%

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.
Based on estimates for the next years, ABL will show a very strong growth in Revenue. The Revenue will grow by 45.73% on average per year.
EPS Next Y19.34%
EPS Next 2Y23.09%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue Next Year68.92%
Revenue Next 2Y45.73%
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

Based on the Price/Earnings ratio of 11.32, the valuation of ABL can be described as reasonable.
Based on the Price/Earnings ratio, ABL is valued a bit cheaper than the industry average as 60.14% of the companies are valued more expensively.
ABL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.91.
ABL is valuated reasonably with a Price/Forward Earnings ratio of 8.28.
ABL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ABL is cheaper than 64.34% of the companies in the same industry.
ABL is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.85, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.32
Fwd PE 8.28
ABL Price Earnings VS Forward Price EarningsABL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

72.73% 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 209.8
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)0.59
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 (5/23/2025, 3:15:22 PM)

8.15

-0.04 (-0.49%)

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 Owners27.75%
Inst Owner Change3.87%
Ins Owners46.32%
Ins Owner Change-9.14%
Market Cap779.30M
Analysts80
Price Target13.87 (70.18%)
Short Float %3.63%
Short Ratio3.2
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)-1.98%
PT rev (3m)-1.98%
EPS NQ rev (1m)1.94%
EPS NQ rev (3m)8.97%
EPS NY rev (1m)-0.58%
EPS NY rev (3m)3.09%
Revenue NQ rev (1m)4.07%
Revenue NQ rev (3m)9%
Revenue NY rev (1m)2.62%
Revenue NY rev (3m)1.15%
Valuation
Industry RankSector Rank
PE 11.32
Fwd PE 8.28
P/S 6.96
P/FCF N/A
P/OCF N/A
P/B 1.84
P/tB 7.35
EV/EBITDA 209.8
EPS(TTM)0.72
EY8.83%
EPS(NY)0.98
Fwd EY12.08%
FCF(TTM)-2.19
FCFYN/A
OCF(TTM)-2.18
OCFYN/A
SpS1.17
BVpS4.44
TBVpS1.11
PEG (NY)0.59
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 1.2
F-Score1
WACC7.88%
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)-305.59%
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)68.56%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%105.39%
Revenue Next Year68.92%
Revenue Next 2Y45.73%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-113.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year365.69%
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