Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028

ABLLL

ABLLLAbacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028 US flag

NASDAQ Global Market

25.61

USD

+0.01

- -

2.50BMarket Cap

Profitability (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	61.69	225.25	- -	- -	- -
Return on Assets (%)	- -	29.54	98.41	4.87	-3.97	4.11
Return on Capital (%)	- -	65.12	107.75	22.84	- -	18.14
Return on Invested Capital (%)	- -	42	113.72	11.9	- -	7.36
Gross Margin (%)	57.98	37.12	86.84	90.23	89.84	87.73
EBITDA Margin (%)	54.06	4.29	77.84	42.96	8.71	44.21
Operating Margin (%)	54.06	4.15	77.83	37.82	1.65	36.3
Incremental Operating Margin (%)	- -	1.29	153.08	-44.67	-51.12	67.75
Pretax Margin (%)	54.06	4.42	74.42	15.82	-17.36	22.42
Profit Margin (%)	54.06	4.41	70.86	14.33	-21.41	15.53
Net Income to Common Margin (%)	54.06	4.41	70.86	14.33	-21.41	15.53
Effective Tax Rate (%)	0.24	0.12	2.67	13.98	- -	29.26
Dvd Payout Ratio (%)	49.51	42.18	1.99	- -	- -	52.07
Sustainable Growth Rate (%)	- -	35.67	220.76	- -	- -	- -

Credit (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	28	142	386	411
ST Debt	- -	- -	- -	13	39	117
LT Debt	- -	- -	28	129	347	295
Total Debt/EBITDA	0.1	0.38	0.81	4.97	39.56	3.95
Net Debt/EBITDA	-0.2	-2.68	-0.05	4	25.51	3.54
Total Debt/EBIT	0.1	0.39	0.81	5.64	209.28	4.81
Net Debt/EBIT	-0.2	-2.77	-0.05	4.55	134.96	4.31
EBITDA to Interest Expense	- -	- -	813.26	2.89	0.53	2.68
EBITDA-CapEx/Interest Expense	- -	- -	812.91	2.87	0.49	2.66
EBIT to Interest Expense	- -	- -	813.16	2.55	0.1	2.2
Interest Expense	- -	- -	- -	10	18	39
Common Equity/Total Assets	40.69	49.87	43.14	-10.46	-6.62	-4.61
Long-Term Debt/Equity (%)	- -	8.53	100.46	78.37	81.97	70.37
Long-Term Debt/Capital (%)	- -	8.12	51.68	120	106.05	79.7
Long-Term Debt/Total Assets (%)	- -	4.39	47.85	38.75	39.69	32.64
Total Debt/Equity (%)	5.05	13.5	100.63	86.39	91.17	98.24
Total Debt/Capital (%)	9.94	12.86	51.77	132.27	117.96	111.26
Total Debt/Total Assets (%)	4.49	6.94	47.93	42.71	44.15	45.57
Net Debt to Equity	-10.4	-95.46	-6.41	69.62	58.79	87.85
Net Debt/Capital (%)	-25.77	-1,003.41	-7.31	140.05	127.48	110.94
EBITDA	1	1	35	29	10	104
EBITDA-CapEx	1	1	35	28	9	103
Operating Income (Loss)	1	1	35	25	2	85

Liquidity (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	0.84	1.11	23.07	1.19	2.11	0.26
Current Ratio	1.31	1.51	25.55	1.36	2.55	0.47
Quick Ratio	1.31	1.38	25.47	1.33	2.51	0.44
CFO/Avg Current Liab	- -	1.08	5.88	-5.2	-4.87	-0.24
Common Equity/Total Assets	40.69	49.87	43.14	-10.46	-6.62	-4.61
Long-Term Debt/Equity (%)	- -	8.53	100.46	78.37	81.97	70.37
Long-Term Debt/Capital (%)	- -	8.12	51.68	120	106.05	79.7
Long-Term Debt/Total Assets (%)	- -	4.39	47.85	38.75	39.69	32.64
Total Debt/Equity (%)	5.05	13.5	100.63	86.39	91.17	98.24
Total Debt/Capital (%)	9.94	12.86	51.77	132.27	117.96	111.26
Total Debt/Total Assets (%)	4.49	6.94	47.93	42.71	44.15	45.57
CFO/Total Liabilities	404.57	52.27	34.56	-38.18	-46.31	-5.31
CFO/CapEx	- -	5.92	712.88	-337.66	-259.35	-27.57
Altman's Z-Score	2.94	6.07	3.95	0.68	0.28	0.62

Working Capital (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	428.27	54.48	8.91	9.35
Days Sales Outstanding	- -	- -	0.85	6.7	40.97	39.02
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	294.13	324.41	- -	- -
Accounts Payable Turnover Days	- -	- -	1.24	1.13	- -	- -
Cash Conversion Cycle	- -	- -	-0.39	5.57	40.97	39.02
Inventory to Cash Days	- -	- -	0.85	6.7	40.97	39.02
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	- -	3	30	26	132	38
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	1	- -	-1	- -
+ Total Debt	- -	- -	28	142	386	411
Enterprise Value	- -	-2	-1	114	253	373
Total Capital	1	3	55	107	327	370
Total Debt/Capital (%)	9.94	12.86	51.77	132.27	117.96	111.26
Total Debt / EV	-0.94	-0.15	-34.28	1.24	1.52	1.1
EV/Sales	- -	- -	- -	1.72	2.26	1.59
EV/EBITDA	- -	- -	- -	4	25.95	3.59
EV/EBIT	- -	- -	- -	4.54	137.26	4.37
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	211.74
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	138.51
Diluted Market Cap	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	-2	-1	116	253	373
EV per Share	- -	- -	- -	- -	- -	- -
TTM Sales	1	23	45	66	112	235
TTM EBITDA	1	1	35	29	10	104
TTM Operating Income	1	1	35	25	2	85
TTM Cash Flow to Firm	1	1	11	-56	-185	2
TTM Free Cash Flow to Firm	1	2	11	-55	-185	3

Multiples (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	4.54	137.26	4.37
Enterprise Value	- -	-2	-1	114	253	373
Low Price	- -	- -	- -	- -	24.68	20.52
EV/Sales	- -	- -	- -	1.72	2.26	1.59
EV/EBITDA	- -	- -	- -	4	25.95	3.59
Price/Earnings	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -
EV/Sales Average	- -	- -	- -	1.75	2.26	1.59
EV/Sales High	- -	- -	- -	1.75	2.26	1.59
EV/Sales Low	- -	- -	- -	1.75	2.26	1.59
EV/EBITDA Average	-0.11	-2.46	-0.02	4.08	25.95	3.59
EV/EBITDA High	-0.11	-2.46	-0.02	4.08	25.95	3.59
EV/EBITDA Low	-0.11	-2.46	-0.02	4.08	25.95	3.59
EV/EBIT Average	-0.11	-2.54	-0.02	4.63	137.26	4.37
EV/EBIT High	-0.11	-2.54	-0.02	4.63	137.26	4.37
EV/EBIT Low	-0.11	-2.54	-0.02	4.63	137.26	4.37
Last Price	- -	- -	- -	23.5	33.66	25.46
High Price	- -	- -	- -	27.39	37.2	38.5
Enterprise Value Average	- -	-2	-1	116	253	373
Enterprise Value High	- -	-2	-1	116	253	373
Enterprise Value Low	- -	-2	-1	116	253	373

Profitability (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	61.69	225.25	- -	- -	- -
Return on Assets (%)	- -	29.54	98.41	4.87	-3.97	4.11
Return on Capital (%)	- -	65.12	107.75	22.84	- -	18.14
Return on Invested Capital (%)	- -	42	113.72	11.9	- -	7.36
Gross Margin (%)	57.98	37.12	86.84	90.23	89.84	87.73
EBITDA Margin (%)	54.06	4.29	77.84	42.96	8.71	44.21
Operating Margin (%)	54.06	4.15	77.83	37.82	1.65	36.3
Incremental Operating Margin (%)	- -	1.29	153.08	-44.67	-51.12	67.75
Pretax Margin (%)	54.06	4.42	74.42	15.82	-17.36	22.42
Profit Margin (%)	54.06	4.41	70.86	14.33	-21.41	15.53
Net Income to Common Margin (%)	54.06	4.41	70.86	14.33	-21.41	15.53
Effective Tax Rate (%)	0.24	0.12	2.67	13.98	- -	29.26
Dvd Payout Ratio (%)	49.51	42.18	1.99	- -	- -	52.07
Sustainable Growth Rate (%)	- -	35.67	220.76	- -	- -	- -

Credit (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	28	142	386	411
ST Debt	- -	- -	- -	13	39	117
LT Debt	- -	- -	28	129	347	295
Total Debt/EBITDA	0.1	0.38	0.81	4.97	39.56	3.95
Net Debt/EBITDA	-0.2	-2.68	-0.05	4	25.51	3.54
Total Debt/EBIT	0.1	0.39	0.81	5.64	209.28	4.81
Net Debt/EBIT	-0.2	-2.77	-0.05	4.55	134.96	4.31
EBITDA to Interest Expense	- -	- -	813.26	2.89	0.53	2.68
EBITDA-CapEx/Interest Expense	- -	- -	812.91	2.87	0.49	2.66
EBIT to Interest Expense	- -	- -	813.16	2.55	0.1	2.2
Interest Expense	- -	- -	- -	10	18	39
Common Equity/Total Assets	40.69	49.87	43.14	-10.46	-6.62	-4.61
Long-Term Debt/Equity (%)	- -	8.53	100.46	78.37	81.97	70.37
Long-Term Debt/Capital (%)	- -	8.12	51.68	120	106.05	79.7
Long-Term Debt/Total Assets (%)	- -	4.39	47.85	38.75	39.69	32.64
Total Debt/Equity (%)	5.05	13.5	100.63	86.39	91.17	98.24
Total Debt/Capital (%)	9.94	12.86	51.77	132.27	117.96	111.26
Total Debt/Total Assets (%)	4.49	6.94	47.93	42.71	44.15	45.57
Net Debt to Equity	-10.4	-95.46	-6.41	69.62	58.79	87.85
Net Debt/Capital (%)	-25.77	-1,003.41	-7.31	140.05	127.48	110.94
EBITDA	1	1	35	29	10	104
EBITDA-CapEx	1	1	35	28	9	103
Operating Income (Loss)	1	1	35	25	2	85

Liquidity (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	0.84	1.11	23.07	1.19	2.11	0.26
Current Ratio	1.31	1.51	25.55	1.36	2.55	0.47
Quick Ratio	1.31	1.38	25.47	1.33	2.51	0.44
CFO/Avg Current Liab	- -	1.08	5.88	-5.2	-4.87	-0.24
Common Equity/Total Assets	40.69	49.87	43.14	-10.46	-6.62	-4.61
Long-Term Debt/Equity (%)	- -	8.53	100.46	78.37	81.97	70.37
Long-Term Debt/Capital (%)	- -	8.12	51.68	120	106.05	79.7
Long-Term Debt/Total Assets (%)	- -	4.39	47.85	38.75	39.69	32.64
Total Debt/Equity (%)	5.05	13.5	100.63	86.39	91.17	98.24
Total Debt/Capital (%)	9.94	12.86	51.77	132.27	117.96	111.26
Total Debt/Total Assets (%)	4.49	6.94	47.93	42.71	44.15	45.57
CFO/Total Liabilities	404.57	52.27	34.56	-38.18	-46.31	-5.31
CFO/CapEx	- -	5.92	712.88	-337.66	-259.35	-27.57
Altman's Z-Score	2.94	6.07	3.95	0.68	0.28	0.62

Working Capital (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	428.27	54.48	8.91	9.35
Days Sales Outstanding	- -	- -	0.85	6.7	40.97	39.02
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	294.13	324.41	- -	- -
Accounts Payable Turnover Days	- -	- -	1.24	1.13	- -	- -
Cash Conversion Cycle	- -	- -	-0.39	5.57	40.97	39.02
Inventory to Cash Days	- -	- -	0.85	6.7	40.97	39.02
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	- -	3	30	26	132	38
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	1	- -	-1	- -
+ Total Debt	- -	- -	28	142	386	411
Enterprise Value	- -	-2	-1	114	253	373
Total Capital	1	3	55	107	327	370
Total Debt/Capital (%)	9.94	12.86	51.77	132.27	117.96	111.26
Total Debt / EV	-0.94	-0.15	-34.28	1.24	1.52	1.1
EV/Sales	- -	- -	- -	1.72	2.26	1.59
EV/EBITDA	- -	- -	- -	4	25.95	3.59
EV/EBIT	- -	- -	- -	4.54	137.26	4.37
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	211.74
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	138.51
Diluted Market Cap	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	-2	-1	116	253	373
EV per Share	- -	- -	- -	- -	- -	- -
TTM Sales	1	23	45	66	112	235
TTM EBITDA	1	1	35	29	10	104
TTM Operating Income	1	1	35	25	2	85
TTM Cash Flow to Firm	1	1	11	-56	-185	2
TTM Free Cash Flow to Firm	1	2	11	-55	-185	3

Multiples (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	4.54	137.26	4.37
Enterprise Value	- -	-2	-1	114	253	373
Low Price	- -	- -	- -	- -	24.68	20.52
EV/Sales	- -	- -	- -	1.72	2.26	1.59
EV/EBITDA	- -	- -	- -	4	25.95	3.59
Price/Earnings	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -
EV/Sales Average	- -	- -	- -	1.75	2.26	1.59
EV/Sales High	- -	- -	- -	1.75	2.26	1.59
EV/Sales Low	- -	- -	- -	1.75	2.26	1.59
EV/EBITDA Average	-0.11	-2.46	-0.02	4.08	25.95	3.59
EV/EBITDA High	-0.11	-2.46	-0.02	4.08	25.95	3.59
EV/EBITDA Low	-0.11	-2.46	-0.02	4.08	25.95	3.59
EV/EBIT Average	-0.11	-2.54	-0.02	4.63	137.26	4.37
EV/EBIT High	-0.11	-2.54	-0.02	4.63	137.26	4.37
EV/EBIT Low	-0.11	-2.54	-0.02	4.63	137.26	4.37
Last Price	- -	- -	- -	23.5	33.66	25.46
High Price	- -	- -	- -	27.39	37.2	38.5
Enterprise Value Average	- -	-2	-1	116	253	373
Enterprise Value High	- -	-2	-1	116	253	373
Enterprise Value Low	- -	-2	-1	116	253	373

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	63	63	63	63	96	97
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -

Abacus Life, Inc. 9.875% Fixed Rate Senior Notes due 2028

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)