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Abacus Life Inc. (ABL)
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Upturn Advisory Summary
12/10/2025: ABL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $13.1
1 Year Target Price $13.1
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.59% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 777.14M USD | Price to earnings Ratio 159 | 1Y Target Price 13.1 |
Price to earnings Ratio 159 | 1Y Target Price 13.1 | ||
Volume (30-day avg) 5 | Beta -0.07 | 52 Weeks Range 4.46 - 9.32 | Updated Date 12/11/2025 |
52 Weeks Range 4.46 - 9.32 | Updated Date 12/11/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.62% | Operating Margin (TTM) 35.59% |
Management Effectiveness
Return on Assets (TTM) 4.93% | Return on Equity (TTM) 3.18% |
Valuation
Trailing PE 159 | Forward PE 10.57 | Enterprise Value 1110194081 | Price to Sales(TTM) 3.95 |
Enterprise Value 1110194081 | Price to Sales(TTM) 3.95 | ||
Enterprise Value to Revenue 5.49 | Enterprise Value to EBITDA 14.2 | Shares Outstanding 97752855 | Shares Floating 32626970 |
Shares Outstanding 97752855 | Shares Floating 32626970 | ||
Percent Insiders 61.69 | Percent Institutions 30.82 |
Upturn AI SWOT
Abacus Life Inc.
Company Overview
History and Background
Abacus Life Inc. is a publicly traded company focused on acquiring and managing life insurance policies for a variety of clients, including individuals seeking to monetize their policies and institutional investors seeking stable, long-term assets. Founded in 2004, the company has grown by strategically acquiring a portfolio of life insurance policies, aiming to provide liquidity to policyholders and attractive returns to investors.
Core Business Areas
- Policy Acquisition and Management: Abacus Life Inc. specializes in purchasing life insurance policies from individuals who no longer need or want them. The company manages these policies, pays the premiums, and collects the death benefit upon the policyholder's passing. This involves significant due diligence to assess policy validity, mortality risk, and the financial health of the issuing insurance company.
- Investment Portfolio Management: The company also engages in managing a portfolio of acquired life insurance policies as investment assets. This segment focuses on optimizing the returns from its portfolio through prudent management and strategic diversification.
Leadership and Structure
Abacus Life Inc. is led by a management team with expertise in finance, insurance, and investment. The exact organizational structure is typical of a financial services company, with departments focused on acquisitions, legal, compliance, finance, and investor relations.
Top Products and Market Share
Key Offerings
- Life Settlement Investments: Abacus Life Inc. offers investors the opportunity to participate in the life settlement market by investing in a portfolio of life insurance policies. These investments aim to generate returns based on the mortality experience of the insured individuals. Market share data for life settlement providers is not readily available in a standardized format, making precise quantification difficult. Key competitors in this space include other life settlement providers and funds that invest in similar assets.
Market Dynamics
Industry Overview
The life settlement industry involves the purchase of life insurance policies from policy owners for an amount greater than the policy's cash surrender value but less than the death benefit. This market is driven by individuals who no longer need or can afford their policies, and by investors seeking alternative asset classes with uncorrelated returns. The industry is subject to regulatory oversight and requires actuarial expertise to assess risk.
Positioning
Abacus Life Inc. positions itself as a provider of liquidity for policyholders and a unique investment opportunity for sophisticated investors. Its competitive advantage lies in its experience in policy acquisition, due diligence processes, and portfolio management capabilities.
Total Addressable Market (TAM)
The total addressable market for life settlements is estimated to be in the tens of billions of dollars, considering the outstanding value of life insurance policies that may be eligible for settlement. Abacus Life Inc., as one of many participants, aims to capture a portion of this market through its acquisition and investment strategies.
Upturn SWOT Analysis
Strengths
- Established expertise in life settlement acquisitions and management.
- Diversified portfolio of life insurance policies.
- Potential for attractive returns uncorrelated with traditional markets.
- Experienced management team.
Weaknesses
- Dependence on the mortality experience of policyholders.
- Regulatory risks associated with the life settlement industry.
- Illiquidity of assets within the portfolio.
- Sensitivity to changes in interest rates and economic conditions.
Opportunities
- Growing aging population leading to increased demand for life settlements.
- Expansion into new geographic markets or policy types.
- Strategic partnerships and acquisitions to enhance scale and capabilities.
- Increasing investor interest in alternative asset classes.
Threats
- Adverse changes in mortality rates (e.g., pandemics).
- Stricter regulatory environments impacting the industry.
- Competition from other life settlement providers and investment vehicles.
- Economic downturns affecting investor appetite for alternative assets.
Competitors and Market Share
Key Competitors
- Lafayette Life Insurance Company (non-publicly traded, but a significant player)
- American General Life Insurance Company (part of AIG)
- MetLife
- Prudential Financial
- Lincoln National Corporation
Competitive Landscape
Abacus Life Inc. competes with a range of entities in the life settlement and life insurance secondary market, from specialized life settlement providers to large, diversified financial institutions. Its advantages may lie in its focused approach and specialized knowledge, while disadvantages could include scale and brand recognition compared to larger, more established players.
Growth Trajectory and Initiatives
Historical Growth: Abacus Life Inc.'s historical growth has likely been characterized by the strategic acquisition of life insurance policies and the expansion of its investment portfolio. The pace of growth would be influenced by market conditions and the company's capital availability.
Future Projections: Future growth projections would typically be based on analyst estimates, company guidance, and the anticipated evolution of the life settlement market. These projections are dynamic and require up-to-date market analysis.
Recent Initiatives: Recent initiatives might include strategic acquisitions of policy portfolios, partnerships with financial institutions, or enhancements to their due diligence and actuarial modeling capabilities.
Summary
Abacus Life Inc. operates in the niche life settlement market, offering liquidity to policyholders and unique investment opportunities. The company's strengths lie in its specialized expertise and portfolio management. However, it faces risks from mortality fluctuations, regulatory changes, and competition. Its growth depends on strategic acquisitions and investor confidence in alternative assets. Continued focus on robust due diligence and risk management is crucial for its long-term success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (e.g., 10-K, 10-Q)
- Financial news and analysis websites
- Industry reports on the life settlement market
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Market share data and financial metrics are estimates and subject to change. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Abacus Life Inc.
Exchange NASDAQ | Headquaters Orlando, FL, United States | ||
IPO Launch date 2020-09-14 | CEO, President & Chairman Mr. Jay J. Jackson | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 157 | Website https://abacusgm.com |
Full time employees 157 | Website https://abacusgm.com | ||
Abacus Global Management, Inc. operates as an alternative asset manager and market maker in the United States. It operates in five segments: Active Management, Originations, Asset Management, Portfolio Servicing, and Technology Services. The Active Management segment is involved in the buying, selling, and trading of policies; and the maintenance of policies until receipt of death benefits. Its Originations segment originates life insurance policy settlements between investors or buyers, and the sellers, who are often the original policy owners. The Asset Management segment provides asset management services to investors investing in alternative investment and equity portfolio funds based on fund investment agreements. Its Portfolio Servicing segment offers policy services to customers on a contract basis. The Technology Services segment provides real-time mortality verification, missing participant verification, and other services specific to the life insurance market services to customers on a contract basis. It sells its products through financial advisors or agents, direct-to-consumer, and traditional life settlements intermediaries. The company was formerly known as Abacus Life, Inc. and changed its name to Abacus Global Management, Inc. in February 2025. Abacus Global Management, Inc. was founded in 2004 and is headquartered in Orlando, Florida.
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