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 LPLA
Revenue, margins, valuation, and 5-year total return — side by side.
LPLA
LPL Financial Holdings Inc.
Financial - Capital Markets
Market Cap$26.05B
5Y Perf.+35.1%
ABLLL vs LPLA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ABLLL | LPLA |
|---|---|---|
| Industry | Insurance - Life | Financial - Capital Markets |
| Market Cap | $2.50B | $26.05B |
| Revenue (TTM) | $197M | $16.99B |
| Net Income (TTM) | $11M | $863M |
| Gross Margin | 87.5% | 25.6% |
| Operating Margin | 25.0% | 13.4% |
| Forward P/E | 25.7x | 14.5x |
| Total Debt | $386M | $7.26B |
| Cash & Equiv. | $132M | $1.04B |
ABLLL vs LPLA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ABLLL
LPLA
| Stock | Nov 23 | Mar 26 | Return |
|---|---|---|---|
| Abacus Life, Inc. 9… (ABLLL) | 100 | 103.8 | +3.8% |
| LPL Financial Holdi… (LPLA) | 100 | 135.1 | +35.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ABLLL vs LPLA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ABLLL leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. LPL Financial Holdings Inc. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. 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 carries the broadest edge in this set and is the clearest fit for 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
LPLA
LPL Financial Holdings Inc.
The Banking Pick
LPLA is the clearest fit if your priority is long-term compounding.
- 13.0% 10Y total return vs ABLLL's 25.1%
- Lower P/E (14.5x vs 25.7x)
- 0.4% yield; 4-year raise streak; the other pay no meaningful dividend
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ABLLL | 68.6% revenue growth vs LPLA's 37.2% |
| Value | LPLA | Lower P/E (14.5x vs 25.7x) |
| Quality / Margins | ABLLL | 5.6% margin vs LPLA's 5.1% |
| Stability / Safety | ABLLL | Beta 0.03 vs LPLA's 1.10, lower leverage |
| Dividends | LPLA | 0.4% yield; 4-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | ABLLL | +9.3% vs LPLA's -1.5% |
| Efficiency (ROA) | LPLA | 5.1% ROA vs ABLLL's 1.2%, ROIC 16.1% vs -0.1% |
ABLLL vs LPLA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2018
ABLLL vs LPLA — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLLPLALAGGINGABLLL
ABLLLAbacus Life, Inc. 9.8…
2leads
LPLALPL Financial Holding…
4leads
6 Total Categories
CATEGORYLEADERvs ABLLLMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ABLLL4/5
Valuation MetricsMultiples, price ratios, and targets
LPLA3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
LPLA6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
LPLA4/6
Risk & VolatilityBeta, volatility, and downside exposure
ABLLL2/2
Analyst OutlookRatings, price targets, and dividends
LPLA1/1
Income & Cash Flow (Last 12 Months)
ABLLL leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
LPLA is the larger business by revenue, generating $17.0B annually — 86.4x ABLLL's $197M. Profitability is closely matched — net margins range from 5.6% (ABLLL) to 5.1% (LPLA).
| Metric | ABLLLAbacus Life, Inc.… | LPLALPL Financial Hol… |
|---|---|---|
| RevenueTrailing 12 months | $197M | $17.0B |
| EBITDAEarnings before interest/tax | $66M | $2.3B |
| Net IncomeAfter-tax profit | $11M | $863M |
| Free Cash FlowCash after capex | -$111M | -$1.1B |
| Gross MarginGross profit ÷ Revenue | +87.5% | +25.6% |
| Operating MarginEBIT ÷ Revenue | +25.0% | +13.4% |
| Net MarginNet income ÷ Revenue | +5.6% | +5.1% |
| FCF MarginFCF ÷ Revenue | -56.6% | -5.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +123.7% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +191.7% | +4.2% |
ABLLL leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
LPLA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, LPLA's 11.1x EV/EBITDA is more attractive than ABLLL's 392.4x.
| Metric | ABLLLAbacus Life, Inc.… | LPLALPL Financial Hol… |
|---|---|---|
| Market CapShares × price | $2.5B | $26.1B |
| Enterprise ValueMkt cap + debt − cash | $2.8B | $32.3B |
| Trailing P/EPrice ÷ TTM EPS | -75.31x | 29.75x |
| Forward P/EPrice ÷ next-FY EPS est. | 25.66x | 14.45x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.24x |
| EV / EBITDAEnterprise value multiple | 392.45x | 11.07x |
| Price / SalesMarket cap ÷ Revenue | 22.35x | 1.53x |
| Price / BookPrice ÷ Book value/share | 4.28x | 4.81x |
| Price / FCFMarket cap ÷ FCF | — | — |
LPLA leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
LPLA leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
LPLA delivers a 18.6% return on equity — every $100 of shareholder capital generates $19 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 LPLA's 1.36x. On the Piotroski fundamental quality scale (0–9), LPLA scores 3/9 vs ABLLL's 1/9, reflecting mixed financial health.
| Metric | ABLLLAbacus Life, Inc.… | LPLALPL Financial Hol… |
|---|---|---|
| ROE (TTM)Return on equity | +2.5% | +18.6% |
| ROA (TTM)Return on assets | +1.2% | +5.1% |
| ROICReturn on invested capital | -0.1% | +16.1% |
| ROCEReturn on capital employed | -0.2% | +19.1% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 3 |
| Debt / EquityFinancial leverage | 0.91x | 1.36x |
| Net DebtTotal debt minus cash | $254M | $6.2B |
| Cash & Equiv.Liquid assets | $132M | $1.0B |
| Total DebtShort + long-term debt | $386M | $7.3B |
| Interest CoverageEBIT ÷ Interest expense | 1.74x | 3.85x |
LPLA leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
LPLA leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in LPLA five years ago would be worth $21,115 today (with dividends reinvested), compared to $12,514 for ABLLL. Over the past 12 months, ABLLL leads with a +9.3% total return vs LPLA's -1.5%. The 3-year compound annual growth rate (CAGR) favors LPLA at 19.4% vs ABLLL's 7.8% — a key indicator of consistent wealth creation.
| Metric | ABLLLAbacus Life, Inc.… | LPLALPL Financial Hol… |
|---|---|---|
| YTD ReturnYear-to-date | +5.4% | -10.1% |
| 1-Year ReturnPast 12 months | +9.3% | -1.5% |
| 3-Year ReturnCumulative with dividends | +25.1% | +70.1% |
| 5-Year ReturnCumulative with dividends | +25.1% | +111.1% |
| 10-Year ReturnCumulative with dividends | +25.1% | +1298.0% |
| CAGR (3Y)Annualised 3-year return | +7.8% | +19.4% |
LPLA leads this category, winning 4 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 LPLA's 1.10 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 LPLA's 80.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ABLLLAbacus Life, Inc.… | LPLALPL Financial Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.03x | 1.10x |
| 52-Week HighHighest price in past year | $26.36 | $403.58 |
| 52-Week LowLowest price in past year | $20.52 | $281.51 |
| % of 52W HighCurrent price vs 52-week peak | +97.1% | +80.5% |
| RSI (14)Momentum oscillator 0–100 | 43.1 | 55.3 |
| Avg Volume (50D)Average daily shares traded | 4K | 876K |
ABLLL leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
LPLA leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
LPLA is the only dividend payer here at 0.37% yield — a key consideration for income-focused portfolios.
| Metric | ABLLLAbacus Life, Inc.… | LPLALPL Financial Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $441.00 |
| # AnalystsCovering analysts | — | 22 |
| Dividend YieldAnnual dividend ÷ price | — | +0.4% |
| Dividend StreakConsecutive years of raises | 3 | 4 |
| Dividend / ShareAnnual DPS | — | $1.19 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.4% | +0.5% |
LPLA leads this category, winning 1 of 1 comparable metric.
Key Takeaway
LPLA leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). ABLLL leads in 2 (Income & Cash Flow, Risk & Volatility).
Best OverallLPL Financial Holdings Inc. (LPLA)Leads 4 of 6 categories
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ABLLL vs LPLA: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ABLLL or LPLA 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 37. 2% for LPL Financial Holdings Inc. (LPLA). LPL Financial Holdings Inc. (LPLA) offers the better valuation at 29. 8x trailing P/E (14. 5x forward), making it the more compelling value choice. Analysts rate LPL Financial Holdings Inc. (LPLA) a "Buy" — based on 22 analyst ratings — the highest consensus in this comparison. 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 LPLA?
On forward P/E, LPL Financial Holdings Inc.
is actually cheaper at 14. 5x.
03Which is the better long-term investment — ABLLL or LPLA?
Over the past 5 years, LPL Financial Holdings Inc.
(LPLA) delivered a total return of +111. 1%, compared to +25. 1% for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 (ABLLL). Over 10 years, the gap is even starker: LPLA returned +1298% 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 LPLA?
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 LPL Financial Holdings Inc. 's 1. 10β — meaning LPLA is approximately 3476% 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 136% for LPL Financial Holdings Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — ABLLL or LPLA?
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 37. 2% for LPL Financial Holdings Inc. (LPLA). On earnings-per-share growth, the picture is similar: LPL Financial Holdings Inc. grew EPS -22. 2% 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 LPLA?
LPL Financial Holdings Inc.
(LPLA) is the more profitable company, earning 5. 1% net margin versus -21. 4% for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 — meaning it keeps 5. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LPLA leads at 13. 4% 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 LPLA more undervalued right now?
On forward earnings alone, LPL Financial Holdings Inc.
(LPLA) trades at 14. 5x forward P/E versus 25. 7x for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 — 11. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — ABLLL or LPLA?
In this comparison, LPLA (0.
4% yield) pays a dividend. ABLLL does not pay a meaningful dividend and should not be held primarily for income.
09Is ABLLL or LPLA 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%, LPLA: +1298%), 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 LPLA?
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.
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% · LPLA: 37.2%)Net Margin>
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