Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL)
Valuation Overview•Is Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 Overvalued or Undervalued?
Priced at a premium to peer multiples and intrinsic cash flows, demanding strong execution to justify current levels.
Moderate quality score of 47/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street sentiment is generally neutral alongside robust expected earnings growth. However, capital return yields remain modest, driven predominantly by aggressive share repurchases.
ABLLL demonstrates strong business quality with robust profitability and healthy margins. However, this is severely offset by a highly leveraged balance sheet (Debt/EBITDA > 4.0x) and elevated financial risk.
The company is driving exceptional top-line expansion (70.5% 3Y CAGR) paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 25.0% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $63.0M | +68.6% | +70.5% | — | — | |
| EBITDA | $26.8M | — | +93.6% | — | — | |
| Net Income | $7.1M | -351.8% | — | — | — | |
| EPS (Diluted) | $0.07 | -312.5% | — | — | — | |
| Free Cash Flow | -$32.9M | -223.9% | — | — | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 87.5% | 89.0% | 72.4% | 72.4% |
| Operating Margin | 25.0% | 36.9% | 45.1% | 45.1% |
| Net Margin | 5.6% | 21.3% | 24.5% | 24.5% |
| FCF Margin | -56.6% | -96.9% | -46.5% | -46.5% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q1'26Latest | — | $0.07 | — | ||
| Q4'25 | $0.18 | $0.07 | -60.4% | ||
| Q3'25 | $0.16 | $0.18 | +10.5% | ||
| Q2'25 | $0.16 | $0.07 | -58.5% | ||
| Q2'25 | $0.16 | $0.07 | -58.5% | ||
| Q1'25 | $0.14 | $-0.22 | -261.2% | ||
| Q4'24 | $0.14 | $-0.08 | -156.4% | ||
| Q3'24 | $0.13 | $0.01 | -91.2% |
Total return is +13.9% (1Y), lagging the benchmark by -7.0%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +7.8% | +0.5% | — |
| 1Y | +13.9% | -7.0% | +12.2% |
| 3YCAGR | +8.5% | -10.9% | +24.8% |
| 5YCAGR | +5.0% | -6.5% | +24.8% |
| 10YCAGR | +2.5% | -11.2% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) valuation, health, and returns.
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 is estimated to be overvalued under our discounted cash flow framework. relative multiples indicate the stock is Expensive versus peers compared to industry peers. overvalued (implying -89.5% downside from DCF intrinsic value of $2.69)
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 has multiple valuation anchors: DCF Intrinsic Value: $2.69 | Peer Relative Fair Value: $5.48. A convergence of these signals offers higher conviction.
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 displays fair financial health with a composite quality score of 47/100, supported by a Piotroski F-Score of 1/9, Return on Invested Capital (ROIC) of -0.1%.
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 does not return material capital to shareholders via dividends or share repurchases, electing to retain earnings to fund internal growth.
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028's current growth trajectory is Stable. The company achieved +68.6% 1Y revenue growth and -312.5% 1Y EPS growth, compared to its 3Y revenue CAGR of +70.5%.
Wall Street consensus is Hold based on 0 analysts, beating EPS expectations in 14% of recent quarters with a -1-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 include: -3.9% 1-year max drawdown. Volatility risk is characterized by a beta of 0.06x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.