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 MET
Revenue, margins, valuation, and 5-year total return — side by side.
MET
MetLife, Inc.
Insurance - Life
Market Cap$52.27B
5Y Perf.+13.3%
ABLLL vs MET — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ABLLL | MET |
|---|---|---|
| Industry | Insurance - Life | Insurance - Life |
| Market Cap | $2.50B | $52.27B |
| Revenue (TTM) | $197M | $76.13B |
| Net Income (TTM) | $11M | $3.38B |
| Gross Margin | 87.5% | 25.6% |
| Operating Margin | 25.0% | 6.1% |
| Forward P/E | 25.7x | 8.2x |
| Total Debt | $386M | $20.18B |
| Cash & Equiv. | $132M | $22.03B |
ABLLL vs MET — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ABLLL
MET
| Stock | Nov 23 | Mar 26 | Return |
|---|---|---|---|
| Abacus Life, Inc. 9… (ABLLL) | 100 | 103.8 | +3.8% |
| MetLife, Inc. (MET) | 100 | 113.3 | +13.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ABLLL vs MET
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 capital preservation and lower volatility. MetLife, Inc. is the stronger pick specifically for valuation and capital efficiency and profitability and margin quality. 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
MET
MetLife, Inc.
The Insurance Pick
MET is the clearest fit if your priority is long-term compounding.
- 156.8% 10Y total return vs ABLLL's 25.1%
- Lower P/E (8.2x vs 25.7x)
- Combined ratio 0.9 vs ABLLL's 1.0 (lower = better underwriting)
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ABLLL | 68.6% revenue growth vs MET's 10.2% |
| Value | MET | Lower P/E (8.2x vs 25.7x) |
| Quality / Margins | MET | Combined ratio 0.9 vs ABLLL's 1.0 (lower = better underwriting) |
| Stability / Safety | ABLLL | Beta 0.03 vs MET's 1.09 |
| Dividends | MET | 2.8% yield; 13-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | ABLLL | +9.3% vs MET's +7.9% |
| Efficiency (ROA) | ABLLL | 1.2% ROA vs MET's 0.5%, ROIC -0.1% vs 13.1% |
ABLLL vs MET — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
ABLLL vs MET — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMETLAGGINGABLLL
ABLLLAbacus Life, Inc. 9.8…
2leads
METMetLife, Inc.
4leads
6 Total Categories
CATEGORYLEADERvs ABLLLMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ABLLL5/6
Valuation MetricsMultiples, price ratios, and targets
MET4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MET7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MET4/6
Risk & VolatilityBeta, volatility, and downside exposure
ABLLL2/2
Analyst OutlookRatings, price targets, and dividends
MET1/1
Income & Cash Flow (Last 12 Months)
ABLLL leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
MET is the larger business by revenue, generating $76.1B annually — 387.3x ABLLL's $197M. Profitability is closely matched — net margins range from 5.6% (ABLLL) to 4.4% (MET). On growth, ABLLL holds the edge at +123.7% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ABLLLAbacus Life, Inc.… | METMetLife, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $197M | $76.1B |
| EBITDAEarnings before interest/tax | $66M | $5.7B |
| Net IncomeAfter-tax profit | $11M | $3.4B |
| Free Cash FlowCash after capex | -$111M | $18.1B |
| Gross MarginGross profit ÷ Revenue | +87.5% | +25.6% |
| Operating MarginEBIT ÷ Revenue | +25.0% | +6.1% |
| Net MarginNet income ÷ Revenue | +5.6% | +4.4% |
| FCF MarginFCF ÷ Revenue | -56.6% | +23.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +123.7% | +29.1% |
| EPS Growth (YoY)Latest quarter vs prior year | +191.7% | -34.3% |
ABLLL leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
MET leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, MET's 8.8x EV/EBITDA is more attractive than ABLLL's 392.4x.
| Metric | ABLLLAbacus Life, Inc.… | METMetLife, Inc. |
|---|---|---|
| Market CapShares × price | $2.5B | $52.3B |
| Enterprise ValueMkt cap + debt − cash | $2.8B | $50.4B |
| Trailing P/EPrice ÷ TTM EPS | -75.31x | 16.70x |
| Forward P/EPrice ÷ next-FY EPS est. | 25.66x | 8.19x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 392.45x | 8.81x |
| Price / SalesMarket cap ÷ Revenue | 22.35x | 0.68x |
| Price / BookPrice ÷ Book value/share | 4.28x | 1.84x |
| Price / FCFMarket cap ÷ FCF | — | 2.89x |
MET leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
MET leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
MET delivers a 11.9% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $3 for ABLLL. MET carries lower financial leverage with a 0.70x debt-to-equity ratio, signaling a more conservative balance sheet compared to ABLLL's 0.91x. On the Piotroski fundamental quality scale (0–9), MET scores 8/9 vs ABLLL's 1/9, reflecting strong financial health.
| Metric | ABLLLAbacus Life, Inc.… | METMetLife, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +2.5% | +11.9% |
| ROA (TTM)Return on assets | +1.2% | +0.5% |
| ROICReturn on invested capital | -0.1% | +13.1% |
| ROCEReturn on capital employed | -0.2% | +1.0% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 8 |
| Debt / EquityFinancial leverage | 0.91x | 0.70x |
| Net DebtTotal debt minus cash | $254M | -$1.8B |
| Cash & Equiv.Liquid assets | $132M | $22.0B |
| Total DebtShort + long-term debt | $386M | $20.2B |
| Interest CoverageEBIT ÷ Interest expense | 1.74x | 5.39x |
MET leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MET leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MET five years ago would be worth $13,534 today (with dividends reinvested), compared to $12,514 for ABLLL. Over the past 12 months, ABLLL leads with a +9.3% total return vs MET's +7.9%. The 3-year compound annual growth rate (CAGR) favors MET at 17.3% vs ABLLL's 7.8% — a key indicator of consistent wealth creation.
| Metric | ABLLLAbacus Life, Inc.… | METMetLife, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +5.4% | +0.5% |
| 1-Year ReturnPast 12 months | +9.3% | +7.9% |
| 3-Year ReturnCumulative with dividends | +25.1% | +61.5% |
| 5-Year ReturnCumulative with dividends | +25.1% | +35.3% |
| 10-Year ReturnCumulative with dividends | +25.1% | +156.8% |
| CAGR (3Y)Annualised 3-year return | +7.8% | +17.3% |
MET 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 MET's 1.09 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | ABLLLAbacus Life, Inc.… | METMetLife, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.03x | 1.09x |
| 52-Week HighHighest price in past year | $26.36 | $83.64 |
| 52-Week LowLowest price in past year | $20.52 | $67.33 |
| % of 52W HighCurrent price vs 52-week peak | +97.1% | +95.8% |
| RSI (14)Momentum oscillator 0–100 | 43.1 | 66.3 |
| Avg Volume (50D)Average daily shares traded | 4K | 3.5M |
ABLLL leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
MET leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
MET is the only dividend payer here at 2.83% yield — a key consideration for income-focused portfolios.
| Metric | ABLLLAbacus Life, Inc.… | METMetLife, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $96.50 |
| # AnalystsCovering analysts | — | 33 |
| Dividend YieldAnnual dividend ÷ price | — | +2.8% |
| Dividend StreakConsecutive years of raises | 3 | 13 |
| Dividend / ShareAnnual DPS | — | $2.27 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.4% | +7.4% |
MET leads this category, winning 1 of 1 comparable metric.
Key Takeaway
MET leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). ABLLL leads in 2 (Income & Cash Flow, Risk & Volatility).
Best OverallMetLife, Inc. (MET)Leads 4 of 6 categories
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ABLLL vs MET: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ABLLL or MET 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 10. 2% for MetLife, Inc. (MET). MetLife, Inc. (MET) offers the better valuation at 16. 7x trailing P/E (8. 2x forward), making it the more compelling value choice. Analysts rate MetLife, Inc. (MET) a "Buy" — based on 33 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 MET?
On forward P/E, MetLife, Inc.
is actually cheaper at 8. 2x.
03Which is the better long-term investment — ABLLL or MET?
Over the past 5 years, MetLife, Inc.
(MET) delivered a total return of +35. 3%, 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: MET returned +156. 8% 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 MET?
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 MetLife, Inc. 's 1. 09β — meaning MET is approximately 3436% more volatile than ABLLL relative to the S&P 500. On balance sheet safety, MetLife, Inc. (MET) carries a lower debt/equity ratio of 70% versus 91% for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 — giving it more financial flexibility in a downturn.
05Which is growing faster — ABLLL or MET?
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 10. 2% for MetLife, Inc. (MET). On earnings-per-share growth, the picture is similar: MetLife, Inc. grew EPS -19. 2% year-over-year, compared to -312. 5% for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028. Over a 3-year CAGR, ABLLL leads at 70. 5% annualised revenue growth. 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 MET?
MetLife, Inc.
(MET) is the more profitable company, earning 4. 4% net margin versus -21. 4% for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 — meaning it keeps 4. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MET leads at 6. 0% 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 MET more undervalued right now?
On forward earnings alone, MetLife, Inc.
(MET) trades at 8. 2x forward P/E versus 25. 7x for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 — 17. 5x cheaper on a one-year earnings basis.
08Which pays a better dividend — ABLLL or MET?
In this comparison, MET (2.
8% yield) pays a dividend. ABLLL does not pay a meaningful dividend and should not be held primarily for income.
09Is ABLLL or MET 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%, MET: +156. 8%), 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 MET?
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; MET is a mid-cap deep-value stock. MET 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% · MET: 29.1%)Net Margin>
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