(ABL) Abacus Life - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US00258Y1047

Life Settlements, Portfolio Management, Policy Servicing, Technology Services

Description: ABL Abacus Life

Abacus Life Inc. (NASDAQ:ABL) is a multifaceted alternative asset manager and market maker in the United States, operating through a diversified structure comprising Active Management, Originations, Asset Management, Portfolio Servicing, and Technology Services. The company is intricately involved in the life insurance secondary market, facilitating transactions between policyholders and investors, and providing a range of ancillary services including policy servicing and asset management. Abacus Life Inc. leverages various distribution channels, including financial advisors, direct-to-consumer sales, and traditional life settlements intermediaries, to market its products. The companys comprehensive suite of services is tailored to meet the complex needs of the life insurance market, including real-time mortality verification and missing participant verification.

From a business perspective, Abacus Life Inc. has positioned itself as a versatile player in the life insurance and alternative asset management sectors. The companys diversified business model, spanning policy trading, origination, and servicing, as well as technology services, provides a robust foundation for revenue generation. With a presence in the United States and a foundation established in 2004, Abacus Life has evolved to become a significant entity in the life settlements industry. The recent name change to Abacus Global Management, Inc. (effective February 2025) may signal an expansion or reorientation of the companys global ambitions or operational scope.

Analyzing the available and , Abacus Life Inc. (ABL) is currently trading at $5.44, with its 20-day, 50-day, and 200-day moving averages at $6.16, $7.49, and $8.07, respectively. The stocks price is below these averages, indicating a downtrend. The Average True Range (ATR) of 0.43 represents a 7.84% fluctuation, suggesting volatility. The stocks 52-week high and low are $10.98 and $5.31, respectively, further highlighting the recent downturn. The companys market capitalization stands at $522.14M USD, with a forward P/E of 10.57 and a negative Return on Equity (RoE) of -5.23, indicating potential earnings challenges.

Based on the available data, a forecast for Abacus Life Inc. could be as follows: Given the current downtrend and the stocks volatility, as indicated by the ATR, the price may continue to fluctuate. However, if the company can address its earnings challenges and improve its RoE, the stock could see a rebound. A potential target could be the 52-week high of $10.98, representing a significant upside. Conversely, failure to address underlying issues could lead to further decline, potentially towards the 52-week low of $5.31. A break above the 20-day SMA of $6.16 could be a positive signal, indicating a potential shift in the trend. Conversely, a failure to sustain above this level could indicate ongoing weakness.

ABL Stock Overview

Market Cap in USD 625m
Sub-Industry Insurance Brokers
IPO / Inception 2020-09-14

ABL Stock Ratings

Growth Rating -60.7%
Fundamental 45.6%
Dividend Rating -
Return 12m vs S&P 500 -43.8%
Analyst Rating 4.60 of 5

ABL Dividends

Currently no dividends paid

ABL Growth Ratios

Growth Correlation 3m 71.1%
Growth Correlation 12m -77.4%
Growth Correlation 5y -28.9%
CAGR 5y -13.33%
CAGR/Max DD 3y -0.21
CAGR/Mean DD 3y -0.61
Sharpe Ratio 12m -0.08
Alpha -52.35
Beta 0.885
Volatility 44.48%
Current Volume 480.2k
Average Volume 20d 546.1k
Stop Loss 6.1 (-6.9%)
Signal 0.60

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income (-1.16m TTM) > 0 and > 6% of Revenue (6% = 9.70m TTM)
FCFTA -0.25 (>2.0%) and ΔFCFTA -11.33pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -21.18% (prev 48.49%; Δ -69.68pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.03 (>3.0%) and CFO 27.0m > Net Income -1.16m (YES >=105%, WARN >=100%)
Net Debt (287.6m) to EBITDA (46.8m) ratio: 6.14 <= 3.0 (WARN <= 3.5)
Current Ratio 0.76 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (97.4m) change vs 12m ago 44.98% (target <= -2.0% for YES)
Gross Margin 85.00% (prev 89.00%; Δ -4.00pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 24.28% (prev 19.71%; Δ 4.57pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 1.14 (EBITDA TTM 46.8m / Interest Expense TTM 28.5m) >= 6 (WARN >= 3)

Altman Z'' -0.16

(A) -0.04 = (Total Current Assets 105.9m - Total Current Liabilities 140.2m) / Total Assets 848.4m
(B) -0.04 = Retained Earnings (Balance) -35.8m / Total Assets 848.4m
(C) 0.05 = EBIT TTM 32.4m / Avg Total Assets 666.1m
(D) -0.08 = Book Value of Equity -35.8m / Total Liabilities 426.8m
Total Rating: -0.16 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 45.64

1. Piotroski 2.0pt = -3.0
2. FCF Yield -23.08% = -5.0
3. FCF Margin data missing
4. Debt/Equity 0.85 = 2.15
5. Debt/Ebitda 7.64 = -2.50
6. ROIC - WACC -2.87% = -3.59
7. RoE -0.30% = -0.05
8. Rev. Trend 86.53% = 4.33
9. Rev. CAGR 78.04% = 2.50
10. EPS Trend 32.09% = 0.80
11. EPS CAGR 0.0% = 0.0

What is the price of ABL shares?

As of September 15, 2025, the stock is trading at USD 6.55 with a total of 480,163 shares traded.
Over the past week, the price has changed by -1.80%, over one month by +4.30%, over three months by +7.91% and over the past year by -33.57%.

Is Abacus Life a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Abacus Life (NASDAQ:ABL) is currently (September 2025) a stock to sell. It has a ValueRay Fundamental Rating of 45.64 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ABL is around 5.84 USD . This means that ABL is currently overvalued and has a potential downside of -10.84%.

Is ABL a buy, sell or hold?

Abacus Life has received a consensus analysts rating of 4.60. Therefore, it is recommended to buy ABL.
  • Strong Buy: 3
  • Buy: 2
  • Hold: 0
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the ABL price?

Issuer Target Up/Down from current
Wallstreet Target Price 13.3 103.1%
Analysts Target Price 13.3 103.1%
ValueRay Target Price 6.4 -2.3%

Last update: 2025-09-06 04:30

ABL Fundamental Data Overview

Market Cap USD = 625.4m (625.4m USD * 1.0 USD.USD)
CCE Cash And Equivalents = 74.8m USD (Cash And Short Term Investments, last quarter)
P/E Forward = 10.5708
P/S = 3.8671
P/B = 1.5749
Beta = 0.022
Revenue TTM = 161.7m USD
EBIT TTM = 32.4m USD
EBITDA TTM = 46.8m USD
Long Term Debt = 238.2m USD (from longTermDebt, last quarter)
Short Term Debt = 119.5m USD (from shortTermDebt, last quarter)
Debt = 357.7m USD (Calculated: Short Term 119.5m + Long Term 238.2m)
Net Debt = 287.6m USD (from netDebt column, last quarter)
Enterprise Value = 908.3m USD (625.4m + Debt 357.7m - CCE 74.8m)
Interest Coverage Ratio = 1.14 (Ebit TTM 32.4m / Interest Expense TTM 28.5m)
FCF Yield = -23.08% (FCF TTM -209.6m / Enterprise Value 908.3m)
FCF Margin = -129.6% (FCF TTM -209.6m / Revenue TTM 161.7m)
Net Margin = -0.72% (Net Income TTM -1.16m / Revenue TTM 161.7m)
Gross Margin = 85.00% ((Revenue TTM 161.7m - Cost of Revenue TTM 24.3m) / Revenue TTM)
Tobins Q-Ratio = -25.40 (set to none) (Enterprise Value 908.3m / Book Value Of Equity -35.8m)
Interest Expense / Debt = 2.45% (Interest Expense 8.75m / Debt 357.7m)
Taxrate = 18.77% (4.07m / 21.7m)
NOPAT = 26.3m (EBIT 32.4m * (1 - 18.77%))
Current Ratio = 0.76 (Total Current Assets 105.9m / Total Current Liabilities 140.2m)
Debt / Equity = 0.85 (Debt 357.7m / last Quarter total Stockholder Equity 421.6m)
Debt / EBITDA = 7.64 (Net Debt 287.6m / EBITDA 46.8m)
Debt / FCF = -1.71 (Debt 357.7m / FCF TTM -209.6m)
Total Stockholder Equity = 384.9m (last 4 quarters mean)
RoA = -0.14% (Net Income -1.16m, Total Assets 848.4m )
RoE = -0.30% (Net Income TTM -1.16m / Total Stockholder Equity 384.9m)
RoCE = 5.20% (Ebit 32.4m / (Equity 384.9m + L.T.Debt 238.2m))
RoIC = 3.75% (NOPAT 26.3m / Invested Capital 700.9m)
WACC = 6.63% (E(625.4m)/V(983.1m) * Re(9.28%)) + (D(357.7m)/V(983.1m) * Rd(2.45%) * (1-Tc(0.19)))
Shares Correlation 3-Years: 75.04 | Cagr: 6.18%
Discount Rate = 9.28% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -209.6m)
Revenue Correlation: 86.53 | Revenue CAGR: 78.04%
Rev Growth-of-Growth: -8.15
EPS Correlation: 32.09 | EPS CAGR: 0.0%
EPS Growth-of-Growth: 36.28

Additional Sources for ABL Stock

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