8.47 USD
-0.03 (-0.35%)
8.47 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to ABL. ABL was compared to 149 industry peers in the Insurance industry. Both the profitability and financial health of ABL have multiple concerns. ABL is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year ABL was profitable.
- ABL had a negative operating cash flow in the past year.
1.2 Ratios
- ABL has a Return On Assets of 1.20%. This is comparable to the rest of the industry: ABL outperforms 41.89% of its industry peers.
- Looking at the Return On Equity, with a value of 2.51%, ABL is doing worse than 79.05% of the companies in the same industry.
- ABL has a better Return On Invested Capital (5.49%) than 83.11% of its industry peers.
| 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
- ABL has a worse Profit Margin (5.62%) than 61.49% of its industry peers.
- The Operating Margin of ABL (25.02%) is better than 85.81% of its industry peers.
- Looking at the Gross Margin, with a value of 87.52%, ABL belongs to the top of the industry, outperforming 99.32% of the companies in the same industry.
- In the last couple of years the Gross Margin of ABL has grown nicely.
| 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
- 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.
- ABL has a worse debt/assets ratio than last year.
2.2 Solvency
- ABL has an Altman-Z score of 1.37. This is a bad value and indicates that ABL is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.37, ABL belongs to the top of the industry, outperforming 81.08% of the companies in the same industry.
- A Debt/Equity ratio of 0.66 indicates that ABL is somewhat dependend on debt financing.
- With a Debt to Equity ratio value of 0.66, ABL is not doing good in the industry: 78.38% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.37 |
ROIC/WACC0.72
WACC7.63%
2.3 Liquidity
- A Current Ratio of 0.93 indicates that ABL may have some problems paying its short term obligations.
- With a decent Current ratio value of 0.93, ABL is doing good in the industry, outperforming 78.38% of the companies in the same industry.
- A Quick Ratio of 0.93 indicates that ABL may have some problems paying its short term obligations.
- ABL's Quick ratio of 0.93 is fine compared to the rest of the industry. ABL outperforms 78.38% 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.
- Looking at the last year, ABL shows a very strong growth in Revenue. The Revenue has grown by 91.93%.
- Measured over the past years, ABL shows a very strong growth in Revenue. The Revenue has been growing by 353.50% on average per year.
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
- The Earnings Per Share is expected to grow by 18.56% on average over the next years. This is quite good.
- 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
- Based on the Price/Earnings ratio of 11.14, the valuation of ABL can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of ABL is on the same level as its industry peers.
- ABL is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 8.48 indicates a reasonable valuation of ABL.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ABL indicates a somewhat cheap valuation: ABL is cheaper than 68.92% of the companies listed in the same industry.
- ABL is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.14 | ||
| Fwd PE | 8.48 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ABL indicates a slightly more expensive valuation: ABL is more expensive than 64.19% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 17.37 |
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 18.56% in the coming years. This may justify a more expensive valuation.
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 2.36%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.53, ABL pays a bit more dividend than its industry peers.
- ABL's Dividend Yield is a higher than the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
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%
8.47
-0.03 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)03-25 2026-03-25
Inst Owners30.84%
Inst Owner Change-0.21%
Ins Owners44.76%
Ins Owner Change-3.4%
Market Cap827.94M
Revenue(TTM)196.55M
Net Income(TTM)11.04M
Analysts80
Price Target13.36 (57.73%)
Short Float %17.3%
Short Ratio8.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
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)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%
PT rev (3m)-1.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.22%
EPS NY rev (1m)0%
EPS NY rev (3m)4.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.14 | ||
| Fwd PE | 8.48 | ||
| P/S | 4.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.88 | ||
| P/tB | 6.89 | ||
| EV/EBITDA | 17.37 |
EPS(TTM)0.76
EY8.97%
EPS(NY)1
Fwd EY11.79%
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
WACC7.63%
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.
Can you provide the valuation status for ABACUS GLOBAL MANAGEMENT INC?
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.
Can you provide the PE and PB ratios for ABL stock?
The Price/Earnings (PE) ratio for ABACUS GLOBAL MANAGEMENT INC (ABL) is 11.14 and the Price/Book (PB) ratio is 1.88.