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 PFLT
Revenue, margins, valuation, and 5-year total return — side by side.
PFLT
PennantPark Floating Rate Capital Ltd.
Asset Management
Market Cap$914M
5Y Perf.-26.8%
ABLLL vs PFLT — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ABLLL | PFLT |
|---|---|---|
| Industry | Insurance - Life | Asset Management |
| Market Cap | $2.50B | $914M |
| Revenue (TTM) | $197M | $172M |
| Net Income (TTM) | $11M | $34M |
| Gross Margin | 87.5% | 45.6% |
| Operating Margin | 25.0% | 39.4% |
| Forward P/E | 25.7x | 8.2x |
| Total Debt | $386M | $1.78B |
| Cash & Equiv. | $132M | $123M |
ABLLL vs PFLT — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ABLLL
PFLT
| Stock | Nov 23 | Mar 26 | Return |
|---|---|---|---|
| Abacus Life, Inc. 9… (ABLLL) | 100 | 103.8 | +3.8% |
| PennantPark Floatin… (PFLT) | 100 | 73.2 | -26.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ABLLL vs PFLT
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PFLT 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
PFLT
PennantPark Floating Rate Capital Ltd.
The Banking Pick
PFLT carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 77.8% 10Y total return vs ABLLL's 25.1%
- Lower P/E (8.2x vs 25.7x)
- 38.7% 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 PFLT's 2.2% |
| Value | PFLT | Lower P/E (8.2x vs 25.7x) |
| Quality / Margins | PFLT | 38.7% margin vs ABLLL's 5.6% |
| Stability / Safety | ABLLL | Beta 0.03 vs PFLT's 0.79, lower leverage |
| Dividends | PFLT | 13.1% yield; 3-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | ABLLL | +9.3% vs PFLT's +3.7% |
| Efficiency (ROA) | PFLT | 1.3% ROA vs ABLLL's 1.2%, ROIC 2.1% vs -0.1% |
ABLLL vs PFLT — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPFLTLAGGINGABLLL
ABLLLAbacus Life, Inc. 9.8…
2leads
PFLTPennantPark Floating …
3leads
6 Total Categories
CATEGORYLEADERvs ABLLLMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PFLT3/5
Valuation MetricsMultiples, price ratios, and targets
PFLT4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PFLT5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ABLLL5/6
Risk & VolatilityBeta, volatility, and downside exposure
ABLLL2/2
Analyst OutlookRatings, price targets, and dividends
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Income & Cash Flow (Last 12 Months)
PFLT leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ABLLL and PFLT operate at a comparable scale, with $197M and $172M in trailing revenue. PFLT is the more profitable business, keeping 38.7% of every revenue dollar as net income compared to ABLLL's 5.6%.
| Metric | ABLLLAbacus Life, Inc.… | PFLTPennantPark Float… |
|---|---|---|
| RevenueTrailing 12 months | $197M | $172M |
| EBITDAEarnings before interest/tax | $66M | $36M |
| Net IncomeAfter-tax profit | $11M | $34M |
| Free Cash FlowCash after capex | -$111M | $100M |
| Gross MarginGross profit ÷ Revenue | +87.5% | +45.6% |
| Operating MarginEBIT ÷ Revenue | +25.0% | +39.4% |
| Net MarginNet income ÷ Revenue | +5.6% | +38.7% |
| FCF MarginFCF ÷ Revenue | -56.6% | +55.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +123.7% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +191.7% | -110.3% |
PFLT leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
PFLT leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, PFLT's 38.0x EV/EBITDA is more attractive than ABLLL's 392.4x.
| Metric | ABLLLAbacus Life, Inc.… | PFLTPennantPark Float… |
|---|---|---|
| Market CapShares × price | $2.5B | $914M |
| Enterprise ValueMkt cap + debt − cash | $2.8B | $2.6B |
| Trailing P/EPrice ÷ TTM EPS | -75.31x | 12.79x |
| Forward P/EPrice ÷ next-FY EPS est. | 25.66x | 8.16x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.44x |
| EV / EBITDAEnterprise value multiple | 392.45x | 38.04x |
| Price / SalesMarket cap ÷ Revenue | 22.35x | 5.33x |
| Price / BookPrice ÷ Book value/share | 4.28x | 0.79x |
| Price / FCFMarket cap ÷ FCF | — | 9.62x |
PFLT leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
PFLT leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
PFLT delivers a 3.2% return on equity — every $100 of shareholder capital generates $3 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 PFLT's 1.65x. On the Piotroski fundamental quality scale (0–9), PFLT scores 4/9 vs ABLLL's 1/9, reflecting mixed financial health.
| Metric | ABLLLAbacus Life, Inc.… | PFLTPennantPark Float… |
|---|---|---|
| ROE (TTM)Return on equity | +2.5% | +3.2% |
| ROA (TTM)Return on assets | +1.2% | +1.3% |
| ROICReturn on invested capital | -0.1% | +2.1% |
| ROCEReturn on capital employed | -0.2% | +2.7% |
| Piotroski ScoreFundamental quality 0–9 | 1 | 4 |
| Debt / EquityFinancial leverage | 0.91x | 1.65x |
| Net DebtTotal debt minus cash | $254M | $1.7B |
| Cash & Equiv.Liquid assets | $132M | $123M |
| Total DebtShort + long-term debt | $386M | $1.8B |
| Interest CoverageEBIT ÷ Interest expense | 1.74x | 0.36x |
PFLT leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ABLLL 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 $11,941 for PFLT. Over the past 12 months, ABLLL leads with a +9.3% total return vs PFLT's +3.7%. The 3-year compound annual growth rate (CAGR) favors ABLLL at 7.8% vs PFLT's 6.5% — a key indicator of consistent wealth creation.
| Metric | ABLLLAbacus Life, Inc.… | PFLTPennantPark Float… |
|---|---|---|
| YTD ReturnYear-to-date | +5.4% | +2.4% |
| 1-Year ReturnPast 12 months | +9.3% | +3.7% |
| 3-Year ReturnCumulative with dividends | +25.1% | +20.7% |
| 5-Year ReturnCumulative with dividends | +25.1% | +19.4% |
| 10-Year ReturnCumulative with dividends | +25.1% | +77.8% |
| CAGR (3Y)Annualised 3-year return | +7.8% | +6.5% |
ABLLL 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 PFLT's 0.79 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 PFLT's 84.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ABLLLAbacus Life, Inc.… | PFLTPennantPark Float… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.03x | 0.79x |
| 52-Week HighHighest price in past year | $26.36 | $10.88 |
| 52-Week LowLowest price in past year | $20.52 | $7.68 |
| % of 52W HighCurrent price vs 52-week peak | +97.1% | +84.7% |
| RSI (14)Momentum oscillator 0–100 | 43.1 | 66.8 |
| Avg Volume (50D)Average daily shares traded | 4K | 984K |
ABLLL leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
PFLT is the only dividend payer here at 13.09% yield — a key consideration for income-focused portfolios.
| Metric | ABLLLAbacus Life, Inc.… | PFLTPennantPark Float… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $10.50 |
| # AnalystsCovering analysts | — | 11 |
| Dividend YieldAnnual dividend ÷ price | — | +13.1% |
| Dividend StreakConsecutive years of raises | 3 | 3 |
| Dividend / ShareAnnual DPS | — | $1.21 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.4% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
PFLT leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). ABLLL leads in 2 (Total Returns, Risk & Volatility).
Best OverallPennantPark Floating Rate C… (PFLT)Leads 3 of 6 categories
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ABLLL vs PFLT: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ABLLL or PFLT 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 2. 2% for PennantPark Floating Rate Capital Ltd. (PFLT). PennantPark Floating Rate Capital Ltd. (PFLT) offers the better valuation at 12. 8x trailing P/E (8. 2x forward), making it the more compelling value choice. Analysts rate PennantPark Floating Rate Capital Ltd. (PFLT) a "Buy" — based on 11 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 PFLT?
On forward P/E, PennantPark Floating Rate Capital Ltd.
is actually cheaper at 8. 2x.
03Which is the better long-term investment — ABLLL or PFLT?
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 +19. 4% for PennantPark Floating Rate Capital Ltd. (PFLT). Over 10 years, the gap is even starker: PFLT returned +77. 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 PFLT?
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 PennantPark Floating Rate Capital Ltd. 's 0. 79β — meaning PFLT is approximately 2460% 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 165% for PennantPark Floating Rate Capital Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — ABLLL or PFLT?
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 2. 2% for PennantPark Floating Rate Capital Ltd. (PFLT). On earnings-per-share growth, the picture is similar: PennantPark Floating Rate Capital Ltd. grew EPS -48. 6% 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 PFLT?
PennantPark Floating Rate Capital Ltd.
(PFLT) is the more profitable company, earning 38. 7% net margin versus -21. 4% for Abacus Life, Inc. 9. 875% Fixed Rate Senior Notes due 2028 — meaning it keeps 38. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PFLT leads at 39. 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 PFLT more undervalued right now?
On forward earnings alone, PennantPark Floating Rate Capital Ltd.
(PFLT) 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 PFLT?
In this comparison, PFLT (13.
1% yield) pays a dividend. ABLLL does not pay a meaningful dividend and should not be held primarily for income.
09Is ABLLL or PFLT 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%, PFLT: +77. 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 PFLT?
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; PFLT is a small-cap deep-value stock. PFLT 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% · PFLT: 2.2%)Net Margin>
%
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