ABLLL
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028
Insurance - Life
Market Cap$2.50B
5Y Perf.+3.8%
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Stock Comparison
ABLLL vs HIFS
Revenue, margins, valuation, and 5-year total return — side by side.
HIFS
Hingham Institution for Savings
Banks - Regional
Market Cap$632M
5Y Perf.+71.2%
ABLLL vs HIFS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ABLLL | HIFS |
|---|---|---|
| Industry | Insurance - Life | Banks - Regional |
| Market Cap | $2.50B | $632M |
| Revenue (TTM) | $197M | $217M |
| Net Income (TTM) | $11M | $45M |
| Gross Margin | 87.5% | 30.1% |
| Operating Margin | 25.0% | 16.8% |
| Forward P/E | 25.7x | 20.6x |
| Total Debt | $386M | $1.50B |
| Cash & Equiv. | $132M | $352M |
ABLLL vs HIFS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ABLLL
HIFS
| Stock | Nov 23 | Mar 26 | Return |
|---|---|---|---|
| Abacus Life, Inc. 9… (ABLLL) | 100 | 103.8 | +3.8% |
| Hingham Institution… (HIFS) | 100 | 171.2 | +71.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ABLLL vs HIFS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: HIFS leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
ABLLL
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028
The Insurance Pick
ABLLL is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 3 yrs, beta 0.03
- Rev growth 68.6%, EPS growth -312.5%, 3Y rev CAGR 70.5%
- Lower volatility, beta 0.03, Low D/E 91.2%, current ratio 2.55x
Best for: income & stability and growth exposure
HIFS
Hingham Institution for Savings
The Banking Pick
HIFS carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 141.9% 10Y total return vs ABLLL's 25.1%
- Lower P/E (20.6x vs 25.7x)
- 13.0% margin vs ABLLL's 5.6%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ABLLL | 68.6% revenue growth vs HIFS's 14.1% |
| Value | HIFS | Lower P/E (20.6x vs 25.7x) |
| Quality / Margins | HIFS | 13.0% margin vs ABLLL's 5.6% |
| Stability / Safety | ABLLL | Beta 0.03 vs HIFS's 1.25, lower leverage |
| Dividends | HIFS | 0.9% yield; the other pay no meaningful dividend |
| Momentum (1Y) | HIFS | +16.9% vs ABLLL's +9.3% |
| Efficiency (ROA) | ABLLL | 1.2% ROA vs HIFS's 1.0%, ROIC -0.1% vs 1.4% |
ABLLL vs HIFS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLABLLLLAGGINGHIFS
HIFSHingham Institution f…
3leads
ABLLLAbacus Life, Inc. 9.8…
3leads
6 Total Categories
CATEGORYLEADERvs HIFSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HIFS3/5
Valuation MetricsMultiples, price ratios, and targets
HIFS4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ABLLL5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
HIFS5/6
Risk & VolatilityBeta, volatility, and downside exposure
ABLLL2/2
Analyst OutlookRatings, price targets, and dividends
ABLLL1/1
Income & Cash Flow (Last 12 Months)
HIFS leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
HIFS and ABLLL operate at a comparable scale, with $217M and $197M in trailing revenue. HIFS is the more profitable business, keeping 13.0% of every revenue dollar as net income compared to ABLLL's 5.6%.
| Metric | ABLLLAbacus Life, Inc.… | HIFSHingham Instituti… |
|---|---|---|
| RevenueTrailing 12 months | $197M | $217M |
| EBITDAEarnings before interest/tax | $66M | $62M |
| Net IncomeAfter-tax profit | $11M | $45M |
| Free Cash FlowCash after capex | -$111M | $30M |
| Gross MarginGross profit ÷ Revenue | +87.5% | +30.1% |
| Operating MarginEBIT ÷ Revenue | +25.0% | +16.8% |
| Net MarginNet income ÷ Revenue | +5.6% | +13.0% |
| FCF MarginFCF ÷ Revenue | -56.6% | +5.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +123.7% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +191.7% | +195.1% |
HIFS leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
HIFS leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, HIFS's 47.7x EV/EBITDA is more attractive than ABLLL's 392.4x.
| Metric | ABLLLAbacus Life, Inc.… | HIFSHingham Instituti… |
|---|---|---|
| Market CapShares × price | $2.5B | $632M |
| Enterprise ValueMkt cap + debt − cash | $2.8B | $1.8B |
| Trailing P/EPrice ÷ TTM EPS | -75.31x | 22.54x |
| Forward P/EPrice ÷ next-FY EPS est. | 25.66x | 20.63x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 392.45x | 47.70x |
| Price / SalesMarket cap ÷ Revenue | 22.35x | 2.91x |
| Price / BookPrice ÷ Book value/share | 4.28x | 1.47x |
| Price / FCFMarket cap ÷ FCF | — | 53.79x |
HIFS leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
ABLLL leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
HIFS delivers a 9.8% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $3 for ABLLL. ABLLL carries lower financial leverage with a 0.91x debt-to-equity ratio, signaling a more conservative balance sheet compared to HIFS's 3.47x. On the Piotroski fundamental quality scale (0–9), HIFS scores 5/9 vs ABLLL's 1/9, reflecting solid financial health.
| Metric | ABLLLAbacus Life, Inc.… | HIFSHingham Instituti… |
|---|---|---|
| ROE (TTM)Return on equity | +2.5% | +9.8% |
| ROA (TTM)Return on assets | +1.2% | +1.0% |
| ROICReturn on invested capital | -0.1% | +1.4% |
| ROCEReturn on capital employed | -0.2% | +2.2% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 5 |
| Debt / EquityFinancial leverage | 0.91x | 3.47x |
| Net DebtTotal debt minus cash | $254M | $1.1B |
| Cash & Equiv.Liquid assets | $132M | $352M |
| Total DebtShort + long-term debt | $386M | $1.5B |
| Interest CoverageEBIT ÷ Interest expense | 1.74x | 0.44x |
ABLLL leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
HIFS leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ABLLL five years ago would be worth $12,514 today (with dividends reinvested), compared to $9,822 for HIFS. Over the past 12 months, HIFS leads with a +16.9% total return vs ABLLL's +9.3%. The 3-year compound annual growth rate (CAGR) favors HIFS at 17.8% vs ABLLL's 7.8% — a key indicator of consistent wealth creation.
| Metric | ABLLLAbacus Life, Inc.… | HIFSHingham Instituti… |
|---|---|---|
| YTD ReturnYear-to-date | +5.4% | +7.3% |
| 1-Year ReturnPast 12 months | +9.3% | +16.9% |
| 3-Year ReturnCumulative with dividends | +25.1% | +63.5% |
| 5-Year ReturnCumulative with dividends | +25.1% | -1.8% |
| 10-Year ReturnCumulative with dividends | +25.1% | +141.9% |
| CAGR (3Y)Annualised 3-year return | +7.8% | +17.8% |
HIFS leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
ABLLL leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
ABLLL is the less volatile stock with a 0.03 beta — it tends to amplify market swings less than HIFS's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ABLLL currently trades 97.1% from its 52-week high vs HIFS's 85.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ABLLLAbacus Life, Inc.… | HIFSHingham Instituti… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.03x | 1.25x |
| 52-Week HighHighest price in past year | $26.36 | $338.00 |
| 52-Week LowLowest price in past year | $20.52 | $220.76 |
| % of 52W HighCurrent price vs 52-week peak | +97.1% | +85.7% |
| RSI (14)Momentum oscillator 0–100 | 43.1 | 46.8 |
| Avg Volume (50D)Average daily shares traded | 4K | 54K |
ABLLL leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
ABLLL leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
HIFS is the only dividend payer here at 0.86% yield — a key consideration for income-focused portfolios.
| Metric | ABLLLAbacus Life, Inc.… | HIFSHingham Instituti… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | — | +0.9% |
| Dividend StreakConsecutive years of raises | 3 | 0 |
| Dividend / ShareAnnual DPS | — | $2.50 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.4% | 0.0% |
ABLLL leads this category, winning 1 of 1 comparable metric.
Key Takeaway
HIFS leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). ABLLL leads in 3 (Profitability & Efficiency, Risk & Volatility).
Best OverallAbacus Life, Inc. 9.875% Fi… (ABLLL)Leads 3 of 6 categories
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ABLLL vs HIFS: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ABLLL or HIFS a better buy right now?
For growth investors, Abacus Life, Inc.
9. 875% Fixed Rate Senior Notes due 2028 (ABLLL) is the stronger pick with 68. 6% revenue growth year-over-year, versus 14. 1% for Hingham Institution for Savings (HIFS). Hingham Institution for Savings (HIFS) offers the better valuation at 22. 5x trailing P/E (20. 6x forward), making it the more compelling value choice. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — ABLLL or HIFS?
On forward P/E, Hingham Institution for Savings is actually cheaper at 20.
6x.
03Which is the better long-term investment — ABLLL or HIFS?
Over the past 5 years, Abacus Life, Inc.
9. 875% Fixed Rate Senior Notes due 2028 (ABLLL) delivered a total return of +25. 1%, compared to -1. 8% for Hingham Institution for Savings (HIFS). Over 10 years, the gap is even starker: HIFS returned +141. 9% versus ABLLL's +25. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — ABLLL or HIFS?
By beta (market sensitivity over 5 years), Abacus Life, Inc.
9. 875% Fixed Rate Senior Notes due 2028 (ABLLL) is the lower-risk stock at 0. 03β versus Hingham Institution for Savings's 1. 25β — meaning HIFS is approximately 3957% more volatile than ABLLL relative to the S&P 500. On balance sheet safety, Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 (ABLLL) carries a lower debt/equity ratio of 91% versus 3% for Hingham Institution for Savings — giving it more financial flexibility in a downturn.
05Which is growing faster — ABLLL or HIFS?
By revenue growth (latest reported year), Abacus Life, Inc.
9. 875% Fixed Rate Senior Notes due 2028 (ABLLL) is pulling ahead at 68. 6% versus 14. 1% for Hingham Institution for Savings (HIFS). On earnings-per-share growth, the picture is similar: Hingham Institution for Savings grew EPS 6. 8% year-over-year, compared to -312. 5% for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — ABLLL or HIFS?
Hingham Institution for Savings (HIFS) is the more profitable company, earning 13.
0% net margin versus -21. 4% for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 — meaning it keeps 13. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HIFS leads at 16. 8% versus -0. 8% for ABLLL. At the gross margin level — before operating expenses — ABLLL leads at 89. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is ABLLL or HIFS more undervalued right now?
On forward earnings alone, Hingham Institution for Savings (HIFS) trades at 20.
6x forward P/E versus 25. 7x for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 — 5. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — ABLLL or HIFS?
In this comparison, HIFS (0.
9% yield) pays a dividend. ABLLL does not pay a meaningful dividend and should not be held primarily for income.
09Is ABLLL or HIFS better for a retirement portfolio?
For long-horizon retirement investors, Abacus Life, Inc.
9. 875% Fixed Rate Senior Notes due 2028 (ABLLL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 03)). Both have compounded well over 10 years (ABLLL: +25. 1%, HIFS: +141. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between ABLLL and HIFS?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: ABLLL is a small-cap high-growth stock; HIFS is a small-cap quality compounder stock. HIFS pays a dividend while ABLLL does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(ABLLL: 123.7% · HIFS: 14.1%)Net Margin>
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