Abacus Life, Inc. (ABL) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices. The Zacks rating relies solely on a company's changing earnings picture. It tracks EPS estimates for the current and following years from the sell-side analysts covering the stock through a consensus measure -- the Zacks Consensus Estimate. Since a changin ...

Core Viewpoint - Abacus Life, Inc. (ABL) shares have increased by 7.5% recently, with a mean price target of $13.70 suggesting a potential upside of 57.5% from the current price of $8.70 [1] Price Targets and Analyst Estimates - The mean estimate consists of five short-term price targets with a standard deviation of $1.10, indicating variability among analysts [2] - The lowest price target of $12 suggests a 37.9% increase, while the highest target of $15 indicates a potential surge of 72.4% [2] - A low standard deviation signifies a strong agreement among analysts regarding the stock's price direction [9] Earnings Estimates and Analyst Sentiment - Analysts are optimistic about ABL's earnings prospects, as indicated by upward revisions in EPS estimates, which correlate with potential stock price increases [11] - The Zacks Consensus Estimate for the current year has risen by 1% over the past month, reflecting two upward revisions and one downward revision [12] - ABL holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate factors, suggesting strong potential for upside [13]

The Finance group has plenty of great stocks, but investors should always be looking for companies that are outperforming their peers. Is Abacus Life, Inc. (ABL) one of those stocks right now? Let's take a closer look at the stock's year-to-date performance to find out.Abacus Life, Inc. is a member of the Finance sector. This group includes 858 individual stocks and currently holds a Zacks Sector Rank of #5. The Zacks Sector Rank considers 16 different groups, measuring the average Zacks Rank of the individ ...

Group 1: Earnings Performance - Abacus Life, Inc. reported quarterly earnings of $0.18 per share, exceeding the Zacks Consensus Estimate of $0.16 per share, and up from $0.11 per share a year ago, representing an earnings surprise of 12.50% [1] - The company has surpassed consensus EPS estimates for four consecutive quarters [2] - The revenue for the quarter ended March 2025 was $44.14 million, surpassing the Zacks Consensus Estimate by 11.72%, compared to $21.49 million in the same quarter last year [2] Group 2: Stock Performance and Outlook - Abacus Life, Inc. shares have increased by approximately 5.4% since the beginning of the year, while the S&P 500 has declined by 4.3% [3] - The company's earnings outlook is crucial for investors, as it includes current consensus earnings expectations for upcoming quarters and any recent changes to these expectations [4] - The current consensus EPS estimate for the upcoming quarter is $0.18 on revenues of $44.61 million, and for the current fiscal year, it is $0.77 on revenues of $191.27 million [7] Group 3: Industry Context - The Zacks Industry Rank indicates that the Insurance - Life Insurance sector is currently in the bottom 32% of over 250 Zacks industries, suggesting potential challenges for stock performance [8]

Financial Data and Key Metrics Changes - Total revenue for Q1 2025 more than doubled year over year to $44.1 million from $21.5 million [6][13] - Adjusted net income increased to $17.3 million, representing a 158% increase compared to $6.7 million in the prior year [15] - Adjusted EBITDA also more than doubled to $24.5 million, with an adjusted EBITDA margin of 55.6% compared to 53.9% in the prior year [15] - GAAP net income attributable to stockholders was $4.6 million, compared to a GAAP net loss of $1.3 million in the prior year [15] Business Line Data and Key Metrics Changes - Life Solutions revenue was a key driver, with capital deployed increasing 128% to $124.9 million in Q1 2025 compared to $54.6 million in the prior year [13] - Asset management revenue for Q1 2025 was $7.8 million, marking the first full quarter of asset management fees from acquisitions [14] Market Data and Key Metrics Changes - New AUM inflows of $151 million were recorded, with approximately $123 million coming from expanded private fund offerings launched in late February [9][10] - The real assets ETF saw an increase in net new inflows of $44 million in the first quarter [10][72] Company Strategy and Development Direction - The company aims to solidify its position as a leader in alternative asset management and wealth management, focusing on uncorrelated assets [12] - A rebranding to Abacus Global Management reflects the company's evolution and expanded global market presence [10] - The company is committed to executing its growth strategy and expanding its brand recognition through a new advertising campaign [10][12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in navigating current market volatility and achieving full-year 2025 adjusted net income guidance of $70 million to $78 million, implying growth of 51% to 68% [6][16] - The macro environment remains uncertain, but the company believes it is well-positioned to capitalize on opportunities arising from market dislocations [9][12] Other Important Information - As of March 31, 2025, the company had cash and cash equivalents of $43.8 million and balance sheet policy assets of $448.1 million [9][16] - The company has purchased over $10 billion in face value of life insurance policies since February 2004 [10] Q&A Session Summary Question: Has there been an uptick in inquiries from policyholders since Liberation Day? - Management noted a noticeable increase in inquiries related to policyholder liquidity and investor demand for uncorrelated assets [20][21] Question: How does the company view the new repurchase authorization? - The company considers the repurchase option thoughtfully, evaluating stock valuation against return on equity from policies acquired [23][24] Question: Is the company fully deployed today? - Management confirmed that the capital deployment of nearly $125 million in Q1 was a record and indicated strong origination efforts [27][28] Question: What are the latest thoughts on the carrier buyback program? - Management reported ongoing activity in the carrier buyback program and noted increasing competition for assets [31][33] Question: Can you provide an update on technology solutions? - The technology solutions segment has nearly one million lives under management, with significant growth expected [41][42] Question: What is the mix of policy acquisitions? - Approximately 40% of policy flow was direct to consumer, 40% from financial advisors, and 20% from brokers [66] Question: What is the status of the AUM and advisor strategy? - The company reported significant inflows in both private funds and ETFs, with plans to grow the advisor strategy in the coming quarters [71][77]

Revenue Growth - Total revenues for the three months ended March 31, 2025, were $44,139,346, a significant increase of $22,652,162 or 105.5% compared to $21,487,184 for the same period in 2024[149]. - Asset management revenue surged to $7,773,077, reflecting an increase of $7,555,142 or 3,466.7% year-over-year, primarily due to the Carlisle and FCF acquisitions[151]. - Life solutions revenue rose to $36,298,657, an increase of $15,029,408 or 70.7% compared to $21,269,249 in the prior year, driven by unrealized gains from life insurance policies[152]. - Revenue from the Asset Management segment was $7,773,077 for the three months ended March 31, 2025, a significant increase of $7,555,142 or 3466.7% compared to 2024[168]. - Revenue from the Life Solutions segment increased by $15,029,408, or 70.7%, reaching $36,298,657 for the three months ended March 31, 2025 compared to $21,269,249 in 2024[170]. Profitability - Gross profit increased by $18,264,652 or 97.3%, reaching $37,030,939 for the three months ended March 31, 2025, attributed to higher active management revenue[155]. - Operating income for the period was $21,026,964, compared to $2,253,129 in the same quarter of 2024, marking a substantial improvement[150]. - The net income attributable to common stockholders for the three months ended March 31, 2025, was $4,639,583, a turnaround from a loss of $1,348,745 in the same period of 2024[150]. - Adjusted Net Income for the three months ended March 31, 2025 was $17,252,141, compared to $6,703,951 in 2024[178]. - For the three months ended March 31, 2025, the net income was $5,399,026 compared to a net loss of $1,275,471 in the same period of 2024, representing a significant turnaround[182]. Expenses - Sales and marketing expenses increased by $686,056 or 35.5% to $2,616,000, primarily due to higher advertising costs to support life policy revenue growth[157]. - General and administrative expenses rose by $910,287 or 8.0% to $12,263,786, influenced by payroll expenses related to business acquisitions and legal fees[158]. - Depreciation and amortization expenses increased by $3,076,492 or 182.9% to $4,758,546, linked to the amortization of intangible assets from acquisitions[159]. - Interest expense was $9,618,330 for the three months ended March 31, 2025, an increase of $5,947,885 or 162.0% compared to $3,670,445 in 2024[164]. - Income tax expense rose by $1,160,572, or 98.9%, for the three months ended March 31, 2025 compared to the same period in 2024[166]. Cash Flow and Liquidity - Cash and cash equivalents totaled $43,761,731 as of March 31, 2025, down from $131,944,282 at the end of 2024, indicating a need for careful liquidity management[196]. - For the three months ended March 31, 2025, the company reported a net cash used in operating activities of $(61,590,694), a decrease of $(64,104,982) compared to a net cash provided of $2,514,288 in the same period of 2024[202]. - The net cash used in investing activities increased to $(3,739,403) for the three months ended March 31, 2025, compared to $(253,793) in the prior year, primarily due to a $(3,000,000) purchase of other investments[203]. - Financing activities resulted in a net cash used of $(22,852,454) for the three months ended March 31, 2025, a decrease of $(60,389,803) compared to a net cash provided of $37,537,349 in the same period of 2024, mainly due to $(38,415,464) repayment of long-term debt[204]. Investments and Assets - The total realized gains, net of premiums paid, increased to $13,875,116, a 59.8% increase from $8,683,082 in the previous year[184]. - The aggregate face value of policies held at fair value reached $1,430,721,703, with a corresponding fair value of $446,207,963 as of March 31, 2025[184]. - Assets under management (AUM) stood at $2,542,185,454, a significant increase from the previous year[185]. - The number of policies serviced surged to 2,415, up 223.7% from 746 in the same period of 2024[185]. - The total invested dollars increased to $2,556,019,697, reflecting a 1057.2% growth compared to $220,875,215 in 2024[185]. Future Outlook - The company has a share repurchase plan approved for $15,000,000, with $2,974,863 remaining available for repurchases as of March 31, 2025[198]. - Future capital requirements will depend on revenue growth and expansion activities, with potential plans for additional equity or debt financing[197]. Accounting and Reporting - The company has not reported any material changes to its critical accounting policies or methodologies since the last Annual Report on Form 10-K[205]. - The company is classified as a smaller reporting company and is not required to provide certain market risk disclosures[208].

Financial Results Announcement - Abacus Global Management, Inc. announced its financial results for the quarter ended March 31, 2025[4]. - The financial results will be further detailed in the quarterly report on Form 10-Q filed with the SEC[8]. Company Classification and Listing - The company is classified as an emerging growth company under the Securities Act of 1933[3]. - The company is listed on NASDAQ under the trading symbol ABL[2]. Forward-Looking Statements - The report includes forward-looking statements regarding the company's public offering and other strategic initiatives[8]. - Management's expectations and beliefs are subject to risks and uncertainties that may affect actual results[8]. - The company explicitly disclaims any obligation to update forward-looking statements except as required by law[8]. Report Details - A press release detailing the financial results is available as Exhibit 99.1[7]. - The report was signed by CEO Jay Jackson on May 8, 2025[11]. - The company has not yet disclosed specific financial metrics or performance indicators in this report[4].

Investor Presentation May 8, 2025 Abacus Global Management Overview Established in 2004, Abacus is a global alternative asset manager, revolutionizing financial services through expert asset management and data-driven lifespan insights | 20 Years | ~$3 Billion | Technology | ~160 | 2 Offices and 4 | | --- | --- | --- | --- | --- | | | in AUM | First Approach | Employees | Representations | | of track record | across longevity | leveraging | between origination, | across 3 | | | based assets and a | propriet ...

– First Quarter 2025 Total Revenue More Than Doubled Year-over-Year to $44.1 Million – - Longevity Funds Attracted $122.8 Million in Capital Inflows - – GAAP Net Income of $4.6 Million – – Adjusted Net Income Grew 158% Year-over-Year to $17.3 Million – – Adjusted EBITDA More Than Doubled Year-over-Year to $24.5 Million – ORLANDO, Fla., May 08, 2025 (GLOBE NEWSWIRE) -- Abacus Global Management, Inc. (“Abacus” or the “Company”) (NASDAQ: ABL), a leader in the alternative asset management space, today reported ...

Investors in Abacus Life, Inc. (ABL) need to pay close attention to the stock based on moves in the options market lately. That is because the May 16, 2025 $15 Call had some of the highest implied volatility of all equity options today. What is Implied Volatility?Implied volatility shows how much movement the market is expecting in the future. Options with high levels of implied volatility suggest that investors in the underlying stocks are expecting a big move in one direction or the other. It could also m ...