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Upturn AI SWOT - About
Abacus Life Inc. (ABL)
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Upturn Advisory Summary
08/28/2025: 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 $13.3
1 Year Target Price $13.3
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.85% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 664.73M USD | Price to earnings Ratio - | 1Y Target Price 13.3 |
Price to earnings Ratio - | 1Y Target Price 13.3 | ||
Volume (30-day avg) 5 | Beta - | 52 Weeks Range 4.60 - 10.95 | Updated Date 08/29/2025 |
52 Weeks Range 4.60 - 10.95 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-08-08 | When - | Estimate 0.22 | Actual 0.18 |
Profitability
Profit Margin -0.72% | Operating Margin (TTM) 40.54% |
Management Effectiveness
Return on Assets (TTM) 3.67% | Return on Equity (TTM) -0.38% |
Valuation
Trailing PE - | Forward PE 10.57 | Enterprise Value 957319043 | Price to Sales(TTM) 4.11 |
Enterprise Value 957319043 | Price to Sales(TTM) 4.11 | ||
Enterprise Value to Revenue 5.92 | Enterprise Value to EBITDA 18.94 | Shares Outstanding 95921296 | Shares Floating 31845238 |
Shares Outstanding 95921296 | Shares Floating 31845238 | ||
Percent Insiders 58.53 | Percent Institutions 26.75 |
Upturn AI SWOT
Abacus Life Inc.
Company Overview
History and Background
Abacus Life, Inc. was founded in 2004. It began as a life settlement provider and has evolved into a diversified financial services company specializing in alternative investments. They became publicly traded through a SPAC merger in 2023.
Core Business Areas
- Life Settlements: Acquiring life insurance policies from individuals for investment purposes. They purchase policies from seniors, providing them with immediate liquidity. They profit by collecting the full death benefit when the insured dies.
- Annuity Purchases: Purchasing annuity contracts for investment purposes. This segment focuses on acquiring existing annuity contracts for a lump sum and receiving future payments.
- Origination and Servicing: Sourcing, underwriting, and servicing life settlement and annuity assets for internal portfolios and external clients.
Leadership and Structure
The leadership team includes Jay Jackson (CEO), Michael Kaplan (President). The organizational structure includes various departments focusing on acquisitions, underwriting, portfolio management, and finance.
Top Products and Market Share
Key Offerings
- Life Settlements: Acquisition of existing life insurance policies. The life settlement market is estimated to be in the billions of dollars annually. Competitors include Coventry First, GWG Holdings (bankrupt), and other smaller firms. No public market share data is available for Abacus Life in specific numerical percentages.
- Annuity Purchases: Acquisition of existing annuity contracts. This is a smaller but related market. Similar players in life settlements also participate in annuity purchases. No specific market share data is available.
Market Dynamics
Industry Overview
The life settlement and annuity purchase industry involves acquiring existing life insurance policies and annuity contracts from individuals. It's a niche market within financial services, driven by demographic trends (aging population) and the desire for liquidity. Market is growing, but subject to regulatory risks and ethical considerations.
Positioning
Abacus Life is a leading provider in the life settlement space, focusing on a diversified sourcing and underwriting approach. They have a strong network of financial advisors and institutional investors. Their competitive advantage is their scale, experience, and diversified product offerings.
Total Addressable Market (TAM)
The life settlement market is estimated at billions of dollars annually. The exact TAM is difficult to quantify. Abacus Life is positioned to capture a significant share of this market through its origination and servicing capabilities.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Diversified sourcing channels
- Strong underwriting capabilities
- Established relationships with financial advisors
- Efficient servicing platform
Weaknesses
- Dependence on mortality assumptions
- Regulatory risks
- Ethical considerations surrounding life settlements
- Potential for adverse selection
- Reliance on capital markets for funding
Opportunities
- Growing aging population
- Increasing awareness of life settlements
- Expansion into new markets and products
- Technological advancements in underwriting
- Consolidation within the industry
Threats
- Changes in mortality rates
- Increased regulatory scrutiny
- Competition from other financial products
- Negative media coverage
- Interest rate fluctuations
Competitors and Market Share
Key Competitors
- Coventry First (Private)
- Lifeline Capital (Private)
- Imperial Life Settlements (Private)
Competitive Landscape
Abacus Life competes in a fragmented market. Their advantages include their scale, diversified sourcing channels, and underwriting expertise. Disadvantages include regulatory risks and dependence on capital markets.
Major Acquisitions
Longevity Market Assets, LLC
- Year: 2023
- Acquisition Price (USD millions): 100
- Strategic Rationale: Expansion of origination capabilities and market reach in life settlements.
Growth Trajectory and Initiatives
Historical Growth: Analyze Abacus Life's historical revenue and earnings growth based on past financial statements.
Future Projections: Consult analyst reports for projections of Abacus Life's future revenue and earnings growth.
Recent Initiatives: Monitor Abacus Life's press releases and investor presentations for updates on recent strategic initiatives.
Summary
Abacus Life is a player in the life settlement market. Their growth relies on sourcing policies and accurate mortality predictions. Regulatory changes and ethical considerations pose risks, while expansion opportunities exist. Strong underwriting and capital management are essential for sustained success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Press Releases
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise. Investment decisions should be made after consulting with a qualified financial advisor.
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://abacuslife.com |
Full time employees 157 | Website https://abacuslife.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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