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ABACUS GLOBAL MGMT INC - ABL 9 7/8 11/15/28 (ABLLL) Stock Fundamental Analysis

NASDAQ:ABLLL - Nasdaq - US00258Y2037 - Currency: USD

25.38  +0.38 (+1.52%)

Fundamental Rating

4

ABLLL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. Both the profitability and financial health of ABLLL have multiple concerns. ABLLL is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ABLLL was profitable.
ABLLL had a negative operating cash flow in the past year.
ABLLL Yearly Net Income VS EBIT VS OCF VS FCFABLLL 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 ABLLL (-2.10%) is worse than 88.11% of its industry peers.
The Return On Equity of ABLLL (-4.13%) is worse than 86.01% of its industry peers.
ABLLL has a Return On Invested Capital of 1.98%. This is comparable to the rest of the industry: ABLLL outperforms 47.55% of its industry peers.
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
ABLLL Yearly ROA, ROE, ROICABLLL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 0 20 40 60 80 100

1.3 Margins

The Operating Margin of ABLLL (12.39%) is comparable to the rest of the industry.
The Gross Margin of ABLLL (88.29%) is better than 98.60% of its industry peers.
In the last couple of years the Gross Margin of ABLLL 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
ABLLL Yearly Profit, Operating, Gross MarginsABLLL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 0 20 -20 40 60 80

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ABLLL is destroying value.
The number of shares outstanding for ABLLL has been increased compared to 1 year ago.
ABLLL has a worse debt/assets ratio than last year.
ABLLL Yearly Shares OutstandingABLLL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 20M 40M 60M 80M
ABLLL Yearly Total Debt VS Total AssetsABLLL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

ABLLL has an Altman-Z score of 3.53. This indicates that ABLLL is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 3.53, ABLLL belongs to the best of the industry, outperforming 96.50% of the companies in the same industry.
ABLLL has a Debt/Equity ratio of 0.55. This is a neutral value indicating ABLLL is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.55, ABLLL is not doing good in the industry: 69.93% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF N/A
Altman-Z 3.53
ROIC/WACC0.24
WACC8.39%
ABLLL Yearly LT Debt VS Equity VS FCFABLLL 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 0.47 indicates that ABLLL may have some problems paying its short term obligations.
ABLLL's Current ratio of 0.47 is fine compared to the rest of the industry. ABLLL outperforms 75.52% of its industry peers.
ABLLL has a Quick Ratio of 0.47. This is a bad value and indicates that ABLLL is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.47, ABLLL is in the better half of the industry, outperforming 75.52% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.47
Quick Ratio 0.47
ABLLL Yearly Current Assets VS Current LiabilitesABLLL 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.
ABLLL shows a strong growth in Revenue. In the last year, the Revenue has grown by 68.56%.
Measured over the past years, ABLLL shows a very strong growth in Revenue. The Revenue has been growing by 353.50% on average per year.
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%106.59%

3.2 Future

Based on estimates for the next years, ABLLL 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, ABLLL will show a very strong growth in Revenue. The Revenue will grow by 47.94% on average per year.
EPS Next Y17.78%
EPS Next 2Y21.92%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue Next Year72.7%
Revenue Next 2Y47.94%
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.
ABLLL Yearly Revenue VS EstimatesABLLL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
ABLLL Yearly EPS VS EstimatesABLLL Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 33.39, ABLLL can be considered very expensive at the moment.
Based on the Price/Earnings ratio, ABLLL is valued a bit more expensive than the industry average as 78.32% of the companies are valued more cheaply.
ABLLL's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.48.
A Price/Forward Earnings ratio of 26.27 indicates a quite expensive valuation of ABLLL.
ABLLL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ABLLL is more expensive than 76.92% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.04. ABLLL is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 33.39
Fwd PE 26.27
ABLLL Price Earnings VS Forward Price EarningsABLLL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

ABLLL's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. ABLLL is more expensive than 71.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 99.74
ABLLL Per share dataABLLL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ABLLL does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as ABLLL's earnings are expected to grow with 17.72% in the coming years.
PEG (NY)1.88
PEG (5Y)N/A
EPS Next 2Y21.92%
EPS Next 3Y17.72%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.87%, ABLLL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.35, ABLLL pays a better dividend. On top of this ABLLL pays more dividend than 98.60% of the companies listed in the same industry.
ABLLL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 9.87%

5.2 History

ABLLL is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
ABLLL Yearly Dividends per shareABLLL Yearly Dividends per shareYearly Dividends per share 2024 2025 0.5 1 1.5

5.3 Sustainability

DPN/A
EPS Next 2Y21.92%
EPS Next 3Y17.72%
ABLLL Yearly Income VS Free CF VS DividendABLLL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 2024 0 -50M -100M -150M -200M

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ABACUS GLOBAL MGMT INC - ABL 9 7/8 11/15/28

NASDAQ:ABLLL (8/8/2025, 4:30:01 PM)

25.38

+0.38 (+1.52%)

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 Owners28.63%
Inst Owner ChangeN/A
Ins Owners46.43%
Ins Owner ChangeN/A
Market Cap2.48B
Analysts80
Price Target61.95 (144.09%)
Short Float %0.01%
Short Ratio0.43
Dividend
Industry RankSector Rank
Dividend Yield 9.87%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date08-14 2025-08-14 (0.6171875)
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)12.96%
PT rev (3m)59.63%
EPS NQ rev (1m)-2.38%
EPS NQ rev (3m)-3.53%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.88%
Revenue NQ rev (1m)-1.3%
Revenue NQ rev (3m)3.96%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)2.57%
Valuation
Industry RankSector Rank
PE 33.39
Fwd PE 26.27
P/S 18.46
P/FCF N/A
P/OCF N/A
P/B 5.7
P/tB 20.32
EV/EBITDA 99.74
EPS(TTM)0.76
EY2.99%
EPS(NY)0.97
Fwd EY3.81%
FCF(TTM)-2.79
FCFYN/A
OCF(TTM)-2.79
OCFYN/A
SpS1.38
BVpS4.45
TBVpS1.25
PEG (NY)1.88
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 3.53
F-Score1
WACC8.39%
ROIC/WACC0.24
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 Y17.78%
EPS Next 2Y21.92%
EPS Next 3Y17.72%
EPS Next 5YN/A
Revenue 1Y (TTM)68.56%
Revenue growth 3Y353.5%
Revenue growth 5YN/A
Sales Q2Q%106.59%
Revenue Next Year72.7%
Revenue Next 2Y47.94%
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