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Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028(ABLLL)Earnings, Financials & Key Ratios
ABLLL•NASDAQ•Insurance & Managed Care
$25.61
Price updated Apr 24, 2026
AboutAbacus Life, Inc. is an integrated alternative asset manager, which engages in the business of investing in inforce life insurance products. The firm is involved in purchasing outstanding life insurance policies to connect buyers and sellers through an origination process. The company was founded by Matthew Ganovsky, Kevin Scott Kirby, and Todd Sean McNealy and is headquartered in Orlando, FL.Show more
- Revenue$112M+68.6%
- Combined Ratio100.79%+58.3%
- Net Income-$24M-351.8%
- Return on Equity-8.16%-182.4%
- Medical Cost Ratio10.16%+3.9%
- Operating Margin-0.79%-102.2%
- Net Margin-21.41%-249.4%
- ROA-3.97%-181.6%
- Equity / Assets48.42%-2.1%
ABLLL Price & Volume
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) stock price & volume — 10-year historical chart
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Aggressive Revenue Scaling Masks Underlying Liquidity Volatility
Investment Thesis • Updated 2025Q3
VerdictNegative
Growth:Accelerating
Profitability:Strained
Financial:Strained
Cash Flow:Mixed
Primary Risk:Fair value accounting volatility
Key Thesis Takeaways
- Abacus Life demonstrates rapid top-line expansion with 123.7% year-over-year revenue growth in 2025Q3, yet this growth is heavily reliant on fair value accounting that obscures significant cash flow deficits.
- The firm's aggressive policy acquisition strategy has driven total assets to $918.9 million, but the persistent negative operating cash flow of $32.8 million in 2025Q3 raises concerns regarding long-term solvency and the sustainability of capital returns.
- Investors should monitor the widening disconnect between headline earnings and actual liquidity, as the maturation of the life settlement portfolio necessitates increasing cash outflows for premium payments.
Verdict Logic
the fundamental disconnect between reported net income and the $32.8 million operating cash outflow in 2025Q3 suggests that the company's current capital allocation strategy may prioritize equity support over the liquidity required to service debt obligations.
ABLLL Growth Metrics
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years70.47%
TTM91.93%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM192.58%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM152%
Return on Capital
10 Years63.83%
5 Years63.83%
3 Years42.61%
Last Year-0.16%
ABLLL Recent Earnings
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (14%)●Beat Revenue 6/12 qtrs (86%)
Q2 2026Latest
Mar 13, 2026Metric
Actual
Est
EPS
$0.07
—
Rev
$72M
—
Q4 2025
Nov 5, 2025Metric
Actual
Est
EPS
$0.07-60.4%
$0.18
Rev
$63M+25.5%
$50M
Q3 2025
Aug 11, 2025Metric
Actual
Est
EPS
$0.18+10.5%
$0.16
Rev
$56M+30.6%
$43M
Q2 2025
May 12, 2025Metric
Actual
Est
EPS
$0.07-58.5%
$0.16
Rev
$44M+9.3%
$40M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 13, 2026 | $0.07 | $72M |
| Q4 2025 | Nov 5, 2025 | $0.07vs $0.18-60.4% | $63Mvs $50M+25.5% |
| Q3 2025 | Aug 11, 2025 | $0.18vs $0.16+10.5% | $56Mvs $43M+30.6% |
| Q2 2025 | May 12, 2025 | $0.07vs $0.16-58.5% | $44Mvs $40M+9.3% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.61 | $2.5B | -75.31 | 68.56% | -21.41% | -8.16% | — | |
| $8.09 | $790.82M | -23.79 | -100% | — | 11.27% | — | |
| $293.92 | $640.82M | 11.87 | 8.92% | 22.1% | 10.76% | — | |
| $23.51 | $1.46B | 12.37 | 50.13% | 50.89% | 11.68% | — | |
| $7.19 | $713.38M | 9.99 | 2.2% | 34.83% | 5.84% | — | |
| $307.58 | $24.6B | 28.17 | 37.18% | 4.93% | 17.04% | — |
Compare ABLLL vs Peers
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ABLLL SEC Filings & Documents
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) SEC filings — annual & quarterly reports (10-K, 10-Q)
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ABLLL Frequently Asked Questions
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 growing?
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) grew revenue by 68.6% over the past year. This is strong growth.
Is ABLLL profitable?
Yes, Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) is profitable, generating $11.0M in net income for fiscal year 2024 (-21.4% net margin).
Dividend & Returns
What is ABLLL's return on equity?
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) has a return on equity (ROE) of -8.2%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028's combined ratio?
Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 (ABLLL) has a combined ratio of 100.8%. A ratio above 100% means claims and expenses exceed premiums.