Abacus Life (ABL) AI Stock Analysis

• Market Cap: $487.69M
• Dividend Yield: N/A
• Average Volume (3M): 832.46K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.61
• Revenue Growth: 91.78%
• EPS Growth: N/A
• Country: US
• Employees: 157
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 0.24
• Shares Outstanding: 96,764,626
• 10 Day Avg. Volume: 570,866
• 30 Day Avg. Volume: 832,459
• PEG Ratio: 0.08
• Price to Book (P/B): 1.31
• Price to Sales (P/S): 4.95
• P/FCF Ratio: -2.64
• Enterprise Value/Market Cap: 1.63
• Enterprise Value/Revenue: 4.03
• Enterprise Value/Gross Profit: 4.61
• Enterprise Value/Ebitda: 14.02
• 1Y Price Target: $12.17
• Price Target Upside: 81.37% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: $7.00 ▲(4.32% Upside)

Abacus Life's overall stock score is driven by strong earnings call performance and strategic initiatives, which are offset by challenges in profitability and valuation. The technical analysis suggests potential short-term volatility, while financial performance indicates areas for improvement in cash flow and profitability.

Positive Factors

Revenue Growth

Sustained revenue growth indicates strong market demand and effective business strategies, enhancing Abacus Life's competitive position.

Strategic Initiatives

The introduction of dividends and share buybacks reflects confidence in financial stability and commitment to enhancing shareholder value.

Operational Efficiency

Improved EBITDA growth suggests strong operational efficiency, which can lead to better profitability and long-term financial health.

Negative Factors

Profitability Challenges

Negative profitability indicates challenges in converting revenue into profit, which could impact long-term financial sustainability.

Cash Flow Issues

Negative cash flow growth can limit the company's ability to invest in growth opportunities and meet financial obligations, affecting future stability.

Increased Operating Expenses

Rising operating expenses could pressure future margins, potentially impacting profitability and financial performance over time.

Abacus Life Business Overview & Revenue Model

Company Description

Abacus Global Management, Inc. operates as an alternative asset manager and market maker in the United States. It operates in five segments: Active Management, Originations, Asset Management, Portfolio Servicing, and Technology Services. The Active Management segment is involved in the buying, selling, and trading of policies; and the maintenance of policies until receipt of death benefits. Its Originations segment originates life insurance policy settlements between investors or buyers, and the sellers, who are often the original policy owners. The Asset Management segment provides asset management services to investors investing in alternative investment and equity portfolio funds based on fund investment agreements. Its Portfolio Servicing segment offers policy services to customers on a contract basis. The Technology Services segment provides real-time mortality verification, missing participant verification, and other services specific to the life insurance market services to customers on a contract basis. It sells its products through financial advisors or agents, direct-to-consumer, and traditional life settlements intermediaries. The company was formerly known as Abacus Life, Inc. and changed its name to Abacus Global Management, Inc. in February 2025. Abacus Global Management, Inc. was founded in 2004 and is headquartered in Orlando, Florida.

How the Company Makes Money

Abacus Life generates revenue primarily through the acquisition of life insurance policies at a discount to their face value. The company earns money by collecting the death benefits upon the policyholder's passing, which typically exceeds the initial purchase price. Key revenue streams include the premiums paid on acquired policies, the appreciation in policy value, and potential investment income from the capital used to purchase these policies. Additionally, ABL may engage in partnerships with financial institutions and brokers that facilitate policy acquisitions, further enhancing its revenue potential through commission structures and referral fees.

Abacus Life Financial Statement Overview

Summary

Abacus Life demonstrates strong revenue growth and operational efficiency, but faces challenges in profitability and cash flow management. The balance sheet is stable with moderate leverage, yet the negative return on equity indicates inefficiencies. Overall, the company needs to focus on improving profitability and cash flow generation to enhance financial health.

Income Statement

Abacus Life shows a strong revenue growth rate of 21.54% TTM, indicating a positive trajectory. However, the net profit margin is negative at -0.72% TTM, reflecting profitability challenges. The EBIT margin of 20.03% TTM is healthy, suggesting operational efficiency, but the EBITDA margin of 28.95% TTM indicates room for improvement in managing non-operating expenses.

Balance Sheet

The company's debt-to-equity ratio of 0.86 TTM is moderate, indicating a balanced approach to leveraging. However, the return on equity is negative at -0.30% TTM, highlighting inefficiencies in generating returns for shareholders. The equity ratio of 47.84% TTM suggests a stable capital structure with a solid equity base.

Cash Flow

Abacus Life's free cash flow growth rate is negative at -14.99% TTM, indicating cash flow challenges. The operating cash flow to net income ratio of 0.19 TTM suggests limited cash generation from operations. Additionally, the free cash flow to net income ratio of -4.84 TTM highlights significant cash flow management issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	196.55M	111.92M	66.40M	44.71M	22.59M	1.22M
Gross Profit	172.01M	100.55M	59.91M	38.83M	8.39M	710.01K
EBITDA	56.55M	6.76M	23.78M	34.81M	1.03M	-457.29K
Net Income	11.04M	-23.96M	9.52M	31.68M	997.41K	1.44M
Balance Sheet
Total Assets	918.94M	874.16M	331.83M	59.09M	1.84M	3.74M
Cash, Cash Equivalents and Short-Term Investments	86.42M	131.94M	27.84M	30.05M	2.60M	1.85M
Total Debt	124.71M	385.91M	141.74M	28.33M	1.05M	148.97K
Total Liabilities	479.34M	450.87M	167.76M	30.95M	1.07M	160.70K
Stockholders Equity	439.59M	424.15M	163.93M	27.25M	915.05K	2.08M
Cash Flow
Free Cash Flow	-111.14M	-209.62M	-64.71M	10.61M	1.12M	904.09K
Operating Cash Flow	46.55M	-208.81M	-64.52M	10.69M	1.34M	650.13K
Investing Cash Flow	-17.77M	-4.96M	2.24M	-3.70M	-241.53K	-1.25M
Financing Cash Flow	208.31M	320.12M	57.82M	22.96M	-354.58K	697.81K

Abacus Life Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.71
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ABL, the sentiment is Positive. The current price of 6.71 is above the 20-day moving average (MA) of 5.62, above the 50-day MA of 5.96, and below the 200-day MA of 6.72, indicating a neutral trend. The MACD of 0.06 indicates Negative momentum. The RSI at 66.65 is Neutral, neither overbought nor oversold. The STOCH value of 83.06 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ABL.

Abacus Life Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BHF	73 Outperform	$3.77B	4.49	16.27%	―	27.71%	―
CNO	71 Outperform	$3.93B	14.42	11.12%	1.61%	-1.61%	15.79%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CIA	66 Neutral	$293.94M	26.38	5.02%	―	-0.55%	-51.14%
ABL	62 Neutral	$487.69M	-79.12	3.17%	―	91.78%	―
GNW	60 Neutral	$3.50B	19.28	2.86%	―	1.41%	150.35%
AAME	49 Neutral	$60.17M	29.74	2.45%	0.68%	6.98%	―

Abacus Life Corporate Events

Abacus Global Management’s Earnings Call Highlights Robust Growth

The recent earnings call for Abacus Global Management painted a largely positive picture, highlighting the company’s robust financial performance and strategic advancements. Despite some challenges, such as below-expected capital deployment and rising operating expenses, the overall sentiment was optimistic. The company showcased significant achievements, including substantial revenue growth, profitability, and the introduction of dividends and share buybacks, underscoring a strong strategic direction.

Abacus Life Announces $10M Stock Repurchase Program

On November 6, 2025, Abacus Global Management announced a $10 million stock repurchase program and an annual cash dividend of $0.20 per share, reflecting confidence in its long-term business model and capital strength. The initiatives are part of a broader capital allocation strategy aimed at enhancing shareholder value through consistent returns and strategic growth investments, funded by cash on hand and free cash flow.

The most recent analyst rating on (ABL) stock is a Buy with a $9.00 price target. To see the full list of analyst forecasts on Abacus Life stock, see the ABL Stock Forecast page.

Abacus Global Management Reports Strong Q3 2025 Results

Abacus Global Management, Inc. is a prominent player in the alternative asset management sector, specializing in longevity-based assets and offering data-driven wealth solutions and technology innovations. The company has reported its third-quarter results for 2025, marking its tenth consecutive quarter of earnings growth, with significant revenue and net income increases. Abacus Global Management achieved a record revenue growth of $63.0 million, a 124% increase year-over-year, and a GAAP net income of $7.1 million. The company’s adjusted net income rose by 60% to $23.6 million, while adjusted EBITDA increased by 127% to $37.9 million. The company also completed strategic acquisitions, including AccuQuote, and issued a $50 million securitized asset-backed note. Looking forward, Abacus Global Management has raised its full-year 2025 outlook, expecting adjusted net income growth between 72% and 81%, reflecting confidence in its strategic initiatives and market position.

Abacus Life Reports Strong Q3 2025 Earnings Growth

On November 6, 2025, Abacus Global Management reported its third-quarter 2025 results, marking the tenth consecutive quarter of earnings growth. The company achieved a record revenue growth of 124% year-over-year, reaching $63.0 million, and increased its adjusted net income by 60% to $23.6 million. Abacus also completed the strategic acquisition of AccuQuote and announced a $50 million securitized asset-backed rated note, enhancing its financial services platform and creating a scalable funding mechanism. These achievements have reinforced the company’s momentum and visibility in the market, with an increased full-year 2025 outlook for adjusted net income growth between 72% and 81%.

The most recent analyst rating on (ABL) stock is a Buy with a $13.50 price target. To see the full list of analyst forecasts on Abacus Life stock, see the ABL Stock Forecast page.

Abacus Life Raises 2025 Outlook Amid Revenue Surge

In a letter to shareholders dated September 25, 2025, Abacus Life reported nearly doubling its year-over-year revenue and adjusted net income, driven by strong demand for its investment products. The company raised its full-year 2025 outlook for adjusted net income, expecting growth of 59% to 72%, and announced its inclusion in the Russell 2000 and Russell 3000 indices. Despite a recent short attack, Abacus has maintained confidence among stakeholders and continues to focus on its growth strategy. The company introduced new key performance indicators to enhance transparency and demonstrate its value creation capabilities. Abacus’s business model, which integrates four synergistic verticals, is positioned for substantial market opportunities, aiming for sustainable, profitable growth.

The most recent analyst rating on (ABL) stock is a Hold with a $7.00 price target. To see the full list of analyst forecasts on Abacus Life stock, see the ABL Stock Forecast page.

Abacus Life Shines in Earnings Call with Robust Growth

Abacus Life, Inc. recently held its earnings call, revealing a strong performance characterized by substantial revenue growth, increased net income, and successful asset management inflows. Despite some concerns over high operating expenses and related party transactions, the overall sentiment was positive, indicating robust business momentum.

Abacus Global Management Reports Strong Q2 2025 Results

Abacus Global Management, Inc. is a prominent player in the alternative asset management sector, offering innovative financial solutions and leveraging data analytics to optimize outcomes for clients worldwide. In its second quarter of 2025, Abacus reported a significant increase in total revenue, nearly doubling to $56.2 million compared to the previous year. The company also saw substantial capital inflows into its longevity funds, amounting to $123.1 million.