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Abacus Life (ABL) Financials

Annual Income Statements for Abacus Life

This table shows Abacus Life's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	4,423	1,400	477	2,368	3,687	4,495	16	32	9.52	-24	37
Consolidated Net Income / (Loss)	4,423	1,400	477	2,368	3,687	4,495	16	32	9.03	-25	37
Net Income / (Loss) Continuing Operations	2,606	1,063	353	2,334	3,687	4,471	16	34	9.03	-25	37
Total Pre-Tax Income	3,183	1,413	2,231	2,873	4,077	4,968	16	33	11	-19	53
Total Revenue	20,405	20,853	27,390	30,578	31,904	34,608	0.00	46	66	112	235
Net Interest Income / (Expense)	-	-	-	-	-	-	0.00	-0.04	0.00	0.00	0.00
Total Interest Income	105	99	124	105	94	46	0.00	0.00	0.00	0.00	0.00
Total Interest Expense	163	431	904	993	733	546	0.00	0.04	0.00	0.00	0.00
Total Non-Interest Income	-	-	-	-	-	-	0.00	46	66	112	235
Other Non-Interest Income	-	-	-	-	-	-	-	2.94	5.21	112	235
Total Non-Interest Expense	-	-	-	-	-	-	-16	11	42	113	146
Marketing Expense	-	-	-	-	-	-	-	2.60	4.91	9.06	15
Other Operating Expenses	-	-	-	-	-	-	-16	7.40	35	93	117
Depreciation Expense	-	-	-	-	-	-	-	0.00	3.41	7.91	19
Other Special Charges	-	-	-	-	-	-	-	1.05	-1.37	2.73	-3.36
Nonoperating Income / (Expense), net	-	-	-	-	-	-	-	-0.35	-14	-19	-36
Income Tax Expense	577	350	1,878	539	390	497	0.00	0.89	1.47	5.48	15
Net Income / (Loss) Attributable to Noncontrolling Interest	-	-	-	-	-	-	-	0.70	-0.48	-0.96	0.79
Basic Earnings per Share	$2.94	$0.94	$0.27	$1.34	$2.07	$2.52	-	$0.63	$0.17	($0.34)	$0.38
Weighted Average Basic Shares Outstanding	1.50B	1.48B	1.74B	1.76B	1.77B	1.77B	43.13M	50.37M	56.95M	70.76M	96.14M
Diluted Earnings per Share	$2.92	$0.94	$0.27	$1.33	$2.06	$2.50	-	$0.63	$0.16	($0.34)	$0.36
Weighted Average Diluted Shares Outstanding	1.51B	1.48B	1.75B	1.77B	1.78B	1.79B	43.13M	50.37M	57.77M	70.76M	99.23M
Weighted Average Basic & Diluted Shares Outstanding	1.50B	1.73B	1.75B	1.77B	1.76B	1.77B	8.63M	-	63.69M	96.85M	96.54M

This table shows Abacus Life's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	6.75	0.90	-6.22	-1.35	0.77	-5.13	-18	4.64	18	7.08	7.23
Consolidated Net Income / (Loss)	6.72	1.05	-6.36	-1.28	0.65	-5.28	-19	5.40	18	7.08	7.23
Net Income / (Loss) Continuing Operations	6.96	-0.29	-5.45	-1.28	0.65	-5.28	-19	5.40	18	7.08	7.23
Total Pre-Tax Income	7.91	6.30	-11	-0.10	2.41	-5.54	-16	7.73	22	12	12
Total Revenue	12	23	21	21	29	28	33	44	56	63	72
Total Non-Interest Income	12	23	21	21	29	28	33	44	56	63	72
Other Non-Interest Income	0.71	4.39	-0.50	21	29	28	33	44	56	63	72
Total Non-Interest Expense	3.13	15	21	19	22	21	50	23	34	41	49
Marketing Expense	0.68	1.70	1.79	1.93	2.55	2.17	2.41	2.62	3.27	3.80	4.90
Other Operating Expenses	3.12	11	19	17	18	18	40	16	25	32	43
Depreciation Expense	0.00	1.69	1.71	1.68	1.75	1.75	2.73	4.76	5.18	4.40	4.26
Other Special Charges	-0.67	0.31	-0.88	-1.16	-0.49	-0.42	4.81	-0.27	0.27	0.00	-3.36
Nonoperating Income / (Expense), net	-0.46	-3.54	-9.06	-2.36	-4.36	-12	0.56	-13	-0.84	-11	-11
Income Tax Expense	1.18	1.71	-0.77	1.17	1.76	-0.25	2.80	2.33	4.07	4.69	4.34
Basic Earnings per Share	$0.13	$0.01	($0.13)	($0.02)	$0.01	($0.07)	($0.26)	$0.05	$0.18	$0.07	$0.08
Weighted Average Basic Shares Outstanding	50.51M	63.35M	56.95M	63.03M	63.85M	74.69M	70.76M	96.19M	94.69M	95.96M	96.14M
Diluted Earnings per Share	$0.13	$0.01	($0.14)	($0.02)	$0.01	($0.07)	($0.26)	$0.05	$0.18	$0.07	$0.06
Weighted Average Diluted Shares Outstanding	50.51M	63.35M	57.77M	63.03M	67.16M	74.69M	70.76M	97.50M	97.37M	96.65M	99.23M
Weighted Average Basic & Diluted Shares Outstanding	62.96M	63.35M	63.69M	63.93M	74.65M	74.68M	96.85M	96.85M	96.76M	97.75M	96.54M

This table details how cash moves in and out of Abacus Life's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	938	13,619	-9,329	-5,447	16	2,978	0.26	30	-4.46	106	-94
Net Cash From Operating Activities	2,966	3,203	5,570	6,300	6,136	7,901	-1.24	11	-64	-209	-26
Net Cash From Continuing Operating Activities	2,966	3,203	5,570	6,300	6,136	7,901	-1.24	11	-64	-209	-26
Net Income / (Loss) Continuing Operations	4,423	1,400	477	2,368	3,687	4,495	16	32	9.03	-25	37
Consolidated Net Income / (Loss)	4,423	1,400	477	2,368	3,687	4,495	16	32	9.03	-25	37
Depreciation Expense	871	803	1,046	1,100	1,078	1,195	-	0.00	3.41	7.91	19
Amortization Expense	601	715	2,887	2,210	1,936	2,132	0.24	0.00	0.04	0.94	2.41
Non-Cash Adjustments to Reconcile Net Income	-2,773	1,798	-755	770	766	971	-17	-3.72	-6.80	0.79	-33
Changes in Operating Assets and Liabilities, net	-156	-1,513	1,915	-148	-1,331	-892	-0.09	-18	-70	-194	-51
Net Cash From Investing Activities	406	-248	-9,618	-1,356	-1,815	-2,215	0.00	-3.70	2.24	-4.96	-23
Net Cash From Continuing Investing Activities	406	-248	-9,618	-1,356	-1,815	-2,215	0.00	-3.70	2.24	-4.96	-23
Purchase of Property, Leasehold Improvements and Equipment	-1,110	-1,121	-1,135	-1,394	-1,638	-2,177	-	0.00	-0.19	-0.79	-0.93
Purchase of Investment Securities	-4,933	-2,823	-210	-131	-103	-83	0.00	-0.80	-0.35	-3.65	-22
Other Investing Activities, net	52	42	35	102	27	19	0.00	-2.90	2.78	-0.52	0.00
Net Cash From Financing Activities	-2,236	11,147	-5,281	-10,391	-4,289	-2,779	1.50	23	57	320	-45
Net Cash From Continuing Financing Activities	-2,236	11,147	-5,281	-10,391	-4,289	-2,779	1.50	23	57	320	-45
Issuance of Debt	2,485	14,934	6,742	4,009	1,842	1,281	1.50	30	124	125	76
Issuance of Common Equity	-	-	-	-	-	-	0.00	-	0.00	182	0.00
Repayment of Debt	-1,338	-1,949	-9,684	-12,459	-3,441	-1,342	-	0.00	-26	-32	-52
Repurchase of Common Equity	-2,237	-522	-117	-238	-718	-403	-	0.00	-1.28	-11	-44
Payment of Dividends	-1,443	-1,539	-1,849	-1,974	-2,270	-2,560	-	-7.07	-24	-1.16	-20
Other Financing Activities, Net	297	223	337	271	298	245	-	0.00	-16	58	-4.95
Cash Interest Paid	166	181	917	845	677	549	-	0.00	4.04	12	34
Cash Income Taxes Paid	631	620	570	740	930	970	-	0.00	0.15	2.15	9.19

This table details how cash moves in and out of Abacus Life's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025
Net Change in Cash & Equivalents	0.89	16	-11	40	26	-72	113	-88	31	12	-48
Net Cash From Operating Activities	-21	-12	-14	2.51	-67	-52	-92	-62	76	-33	-7.44
Net Cash From Continuing Operating Activities	-21	-12	-14	2.51	-67	-52	-92	-62	76	-33	-7.44
Net Income / (Loss) Continuing Operations	6.72	1.05	-6.36	-1.28	0.65	-5.28	-19	5.40	18	7.08	7.23
Consolidated Net Income / (Loss)	6.72	1.05	-6.36	-1.28	0.65	-5.28	-19	5.40	18	7.08	7.23
Depreciation Expense	0.00	1.69	1.71	1.68	1.75	1.75	2.73	4.76	5.18	4.40	4.26
Amortization Expense	-	0.13	-0.09	0.09	0.36	0.19	0.30	0.49	0.55	0.60	0.75
Non-Cash Adjustments to Reconcile Net Income	-0.45	-4.75	-0.58	3.40	-3.93	-3.02	4.34	-71	56	-26	7.06
Changes in Operating Assets and Liabilities, net	-27	-9.99	-8.49	-1.38	-66	-46	-80	-1.74	-3.66	-19	-27
Net Cash From Investing Activities	-6.06	9.63	-0.33	-0.25	-0.46	-0.45	-3.79	-3.74	-10	-0.24	-9.30
Net Cash From Continuing Investing Activities	-6.06	9.63	-0.33	-0.25	-0.46	-0.45	-3.79	-3.74	-10	-0.24	-9.30
Purchase of Property, Leasehold Improvements and Equipment	-	-0.10	-0.09	-0.16	-0.19	-0.24	-0.19	-0.22	-0.42	-0.17	-0.11
Purchase of Investment Securities	-0.15	-0.05	-	-0.09	-0.11	-0.10	-3.35	-3.52	-9.58	-0.06	-9.19
Net Cash From Financing Activities	28	18	3.08	38	93	-19	208	-23	-35	45	-32
Net Cash From Continuing Financing Activities	28	18	3.08	38	93	-19	208	-23	-35	45	-32
Issuance of Debt	52	27	37	43	9.03	15	58	16	8.54	51	0.64
Repayment of Debt	-	-	-26	-0.99	0.99	-32	-	-39	-8.14	-0.46	-5.18
Repurchase of Common Equity	-	-	-1.28	-7.52	-3.22	-	-	0.00	-35	-3.19	-5.54
Payment of Dividends	-	-0.26	-	-	-	-0.01	-	-	-	-0.09	-20
Other Financing Activities, Net	-0.69	-8.74	-6.10	3.13	-4.18	-1.68	60	-0.47	-0.37	-2.36	-1.74
Cash Interest Paid	0.77	0.56	2.71	1.69	2.94	3.22	3.76	5.37	7.36	12	9.40
Cash Income Taxes Paid	-	-	0.15	0.00	2.69	-	-0.55	0.00	-	5.70	3.49

This table presents Abacus Life's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	41,247	52,666	76,250	67,173	67,887	346	346	59	332	874	902
Cash and Due from Banks	5,001	18,620	9,407	3,844	3,860	0.59	0.85	30	26	132	38
Trading Account Securities	-	-	-	-	-	-	-	1.89	3.45	2.21	3.11
Loans and Leases, Net of Allowance	-	-	-	-	-	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	-	-	-	-	-	-	-	0.02	0.40	1.03	1.60
Goodwill	9,638	7,683	24,020	23,254	23,195	-	-	0.00	140	238	253
Intangible Assets	5,562	4,539	21,473	18,942	17,025	-	-	0.00	30	80	66
Other Assets	-	-	-	-	-	345	345	27	131	421	540
Total Liabilities & Shareholders' Equity	41,247	52,666	76,250	67,173	67,887	346	346	59	332	874	902
Total Liabilities	19,921	31,949	45,152	36,451	36,586	45	29	31	168	451	479
Interest Bearing Deposits	-	-	-	-	-	-	-	0.00	0.51	2.47	0.17
Short-Term Debt	3,130	1,325	714	207	1,478	0.00	1.50	0.04	13	38	116
Accrued Interest Payable	-	-	-	-	-	0.14	0.14	0.96	5.22	7.14	17
Other Short-Term Payables	-	-	-	-	-	-	-	0.31	4.57	14	16
Long-Term Debt	5,871	20,681	27,210	19,359	16,661	-	-	28	127	342	290
Other Long-Term Liabilities	-	-	-	-	-	45	28	1.39	18	46	40
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Redeemable Noncontrolling Interest	-	-	-	-	-	345	345	-	-	0.00	5.00
Total Equity & Noncontrolling Interests	21,326	20,717	31,098	30,722	31,301	-44	-28	28	164	423	419
Total Preferred & Common Equity	21,211	20,538	30,897	30,524	31,088	-44	-28	27	164	424	419
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	21,211	20,538	30,897	30,524	31,088	-44	-28	27	164	424	419
Common Stock	12,734	13,027	23,206	23,512	23,853	0.03	0.03	0.71	200	494	516
Retained Earnings	25,757	25,565	23,978	24,560	25,847	-44	-28	25	-35	-58	-42
Treasury Stock	-10,622	-10,791	-10,225	-	-10,147	-	-	0.00	-1.28	-12	-56
Accumulated Other Comprehensive Income / (Loss)	-6,658	-7,263	-6,062	-7,586	-8,465	-	-	1.05	0.11	0.00	0.00
Noncontrolling Interest	115	179	201	198	213	-	-	0.90	0.14	-0.86	0.00

This table presents Abacus Life's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025
Total Assets	100	73,794	277	304	377	484	477	857	848	919
Cash and Due from Banks	1.67	9,161	21	37	65	91	19	44	75	86
Trading Account Securities	-	-	1.00	1.00	4.66	5.17	4.20	2.74	3.29	3.19
Loans and Leases, Net of Allowance	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	-	-	0.18	0.26	0.55	0.69	0.89	1.18	1.52	1.59
Goodwill	-	22,927	140	140	140	140	140	238	239	249
Intangible Assets	-	10,006	33	31	28	26	25	75	71	70
Other Assets	0.31	-	82	92	138	219	287	494	458	508
Total Liabilities & Shareholders' Equity	100	73,794	277	304	377	484	477	857	848	919
Total Liabilities	30	36,562	117	138	211	227	219	421	427	479
Interest Bearing Deposits	-	-	0.98	0.35	0.67	1.44	0.92	0.60	0.05	0.36
Short-Term Debt	4.92	2,285	0.40	0.00	16	46	14	118	119	119
Accrued Interest Payable	7.94	-	1.12	0.89	2.32	2.47	5.14	3.27	9.12	13
Other Short-Term Payables	-	-	11	4.22	5.19	5.71	3.66	8.83	12	16
Long-Term Debt	-	14,615	91	119	170	151	167	238	238	290
Other Long-Term Liabilities	17	-	12	14	17	20	29	52	48	41
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Redeemable Noncontrolling Interest	98	-	-	-	-	-	-	5.00	5.00	5.00
Total Equity & Noncontrolling Interests	-27	37,232	160	166	165	257	258	431	417	435
Total Preferred & Common Equity	-27	37,010	160	166	165	257	258	431	417	435
Preferred Stock	0.00	0.00	-	-	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	-27	37,010	160	166	165	257	258	431	417	435
Common Stock	0.03	24,488	189	194	210	303	310	496	499	514
Retained Earnings	-28	35,868	-29	-29	-36	-35	-40	-53	-36	-29
Treasury Stock	-	-15,307	-	-	-8.81	-12	-12	-12	-47	-50
Noncontrolling Interest	-	222	0.36	0.29	0.21	0.08	-0.09	-0.10	-0.07	0.00

This table displays calculated financial ratios and metrics derived from Abacus Life's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	43,125,000.00	18,343,972.00	63,349,823.00	74,678,769.00	97,752,855.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	43,125,000.00	18,343,972.00	63,349,823.00	74,678,769.00	97,752,855.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	0.37	1.77	0.14	-0.33	0.38
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.78%	2.20%	31.35%	11.64%	4.34%	8.48%	0.00%	74,422,038.71%	43.91%	68.56%	110.18%
EBITDA Growth	13.38%	-30.77%	112.81%	1.83%	9.32%	13.78%	0.00%	118.64%	-21.42%	-71.15%	1,279.35%
EBIT Growth	24.22%	-46.16%	72.55%	24.91%	25.39%	15.95%	0.00%	121.88%	-31.25%	-103.68%	10,091.78%
NOPAT Growth	32.14%	-3.02%	-89.13%	1,098.25%	38.22%	17.63%	0.00%	106.59%	-36.58%	-103.00%	10,197.24%
Net Income Growth	93.65%	-68.35%	-65.93%	396.44%	55.70%	21.91%	0.00%	104.47%	-72.10%	-375.81%	249.74%
EPS Growth	95.97%	-67.81%	-71.28%	392.59%	54.89%	21.36%	0.00%	0.00%	-74.60%	-312.50%	205.88%
Operating Cash Flow Growth	-19.29%	7.99%	73.90%	13.11%	-2.60%	28.76%	0.00%	964.76%	-698.92%	-226.04%	87.70%
Free Cash Flow Firm Growth	84.66%	0.33%	-747.37%	119.64%	-16.97%	7.72%	0.00%	0.00%	-176.97%	-120.93%	107.50%
Invested Capital Growth	-9.93%	-11.44%	164.91%	-6.05%	-1.78%	-1.05%	0.00%	-82.27%	438.44%	164.61%	3.14%
Revenue Q/Q Growth	-0.70%	0.70%	8.98%	0.58%	1.75%	7.41%	0.00%	127.42%	-7.10%	12.50%	19.68%
EBITDA Q/Q Growth	-0.59%	9.50%	3.15%	3.63%	3.34%	15.54%	0.00%	18.50%	-23.43%	-64.82%	60.90%
EBIT Q/Q Growth	0.03%	10.44%	-6.78%	11.90%	5.76%	24.41%	0.00%	19.04%	-29.43%	-105.85%	80.41%
NOPAT Q/Q Growth	1.16%	2.76%	-81.43%	190.04%	9.32%	26.98%	0.00%	22.44%	-28.92%	-106.23%	187.79%
Net Income Q/Q Growth	-3.03%	2.26%	-77.32%	167.27%	12.00%	32.91%	0.00%	23.20%	-60.65%	-103.03%	236.88%
EPS Q/Q Growth	-4.26%	3.30%	-78.91%	171.43%	11.96%	32.28%	0.00%	0.00%	0.00%	-54.55%	800.00%
Operating Cash Flow Q/Q Growth	-12.14%	11.95%	9.22%	2.02%	11.87%	21.20%	0.00%	258.75%	-93.23%	-59.84%	76.70%
Free Cash Flow Firm Q/Q Growth	-82.50%	126.77%	-30.39%	551.28%	32.18%	6.70%	0.00%	0.00%	-25.80%	-248.52%	109.66%
Invested Capital Q/Q Growth	0.00%	-6.03%	10.80%	-1.14%	-2.96%	-1.51%	0.00%	-25.25%	6.66%	83.34%	-2.30%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	23.10%	15.65%	25.35%	23.12%	24.23%	25.41%	25,891,932.26%	76.07%	41.53%	7.11%	46.66%
EBIT Margin	15.88%	8.37%	10.99%	12.30%	14.78%	15.80%	25,510,614.52%	76.06%	36.33%	-0.79%	37.73%
Profit (Net Income) Margin	21.68%	6.71%	1.74%	7.74%	11.56%	12.99%	25,547,362.90%	70.19%	13.61%	-22.26%	15.86%
Tax Burden Percent	138.96%	99.08%	21.38%	82.42%	90.43%	90.48%	100.00%	97.33%	86.02%	128.22%	70.74%
Interest Burden Percent	98.21%	80.97%	74.10%	76.39%	86.45%	90.86%	100.14%	94.82%	43.53%	2,187.69%	59.43%
Effective Tax Rate	18.13%	24.77%	84.18%	18.76%	9.57%	10.00%	0.00%	2.67%	13.98%	0.00%	29.26%
Return on Invested Capital (ROIC)	10.69%	11.60%	0.74%	6.26%	9.02%	10.76%	4.98%	17.47%	11.52%	-0.11%	7.69%
ROIC Less NNEP Spread (ROIC-NNEP)	448.14%	74.14%	3.71%	2.63%	6.17%	8.18%	4.98%	15.21%	-2.42%	-9.45%	1.21%
Return on Net Nonoperating Assets (RNNOA)	9.90%	-4.94%	1.11%	1.40%	2.87%	3.22%	0.02%	1.31%	-2.12%	-8.37%	1.12%
Return on Equity (ROE)	20.59%	6.66%	1.84%	7.66%	11.89%	13.98%	5.00%	18.78%	9.40%	-8.48%	8.81%
Cash Return on Invested Capital (CROIC)	21.14%	23.73%	-89.65%	12.50%	10.81%	11.81%	0.00%	157.22%	-125.83%	-90.40%	4.60%
Operating Return on Assets (OROA)	7.86%	3.72%	4.67%	5.24%	6.98%	7.79%	4.57%	17.33%	12.34%	-0.15%	9.99%
Return on Assets (ROA)	10.73%	2.98%	0.74%	3.30%	5.46%	6.40%	4.58%	15.99%	4.62%	-4.13%	4.20%
Return on Common Equity (ROCE)	20.48%	6.61%	1.83%	7.61%	11.81%	13.89%	-0.59%	-0.05%	9.35%	-8.50%	8.77%
Return on Equity Simple (ROE_SIMPLE)	20.85%	6.82%	1.54%	7.76%	11.86%	13.71%	-56.09%	118.85%	5.51%	-5.87%	8.91%
Net Operating Profit after Tax (NOPAT)	2,347	2,276	247	2,965	4,098	4,821	16	33	21	-0.62	63
NOPAT Margin	11.50%	10.92%	0.90%	9.70%	12.85%	13.93%	25,547,362.90%	70.92%	31.25%	-0.56%	26.69%
Net Nonoperating Expense Percent (NNEP)	-437.45%	-62.54%	-2.97%	3.63%	2.85%	2.58%	0.00%	2.26%	13.94%	9.33%	6.48%
SG&A Expenses to Revenue	33.25%	32.30%	33.52%	31.87%	36.68%	28.02%	0.00%	5.63%	7.39%	8.10%	6.20%
Operating Expenses to Revenue	43.08%	41.88%	48.99%	46.51%	44.32%	41.17%	-25,510,514.52%	23.94%	63.67%	100.79%	62.27%
Earnings before Interest and Taxes (EBIT)	3,241	1,745	3,011	3,761	4,716	5,468	16	35	24	-0.89	89
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	4,713	3,263	6,944	7,071	7,730	8,795	16	35	28	7.96	110
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.68	2.39	2.86	3.77	4.55	5.54	0.00	6.84	3.73	0.00	2.00
Price to Tangible Book Value (P/TBV)	9.44	5.91	0.00	0.00	0.00	0.00	0.00	6.84	0.00	0.00	8.41
Price to Revenue (P/Rev)	2.78	2.36	3.23	3.76	4.43	5.24	6,865,221.77	4.04	9.22	0.00	3.55
Price to Earnings (P/E)	12.83	35.12	185.24	48.59	38.36	40.38	26.87	5.88	64.30	0.00	22.88
Dividend Yield	2.52%	3.11%	2.09%	1.71%	1.60%	1.41%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	7.79%	2.85%	0.54%	2.06%	2.61%	2.48%	3.72%	17.00%	1.56%	0.00%	4.37%
Enterprise Value to Invested Capital (EV/IC)	2.68	2.69	2.17	2.83	3.44	4.32	2.42	3.29	2.39	0.00	1.46
Enterprise Value to Revenue (EV/Rev)	2.73	2.38	3.87	4.25	4.85	5.56	12,440,171.29	4.02	10.94	0.00	5.14
Enterprise Value to EBITDA (EV/EBITDA)	11.82	15.21	15.26	18.36	20.02	21.89	48.05	5.29	26.34	0.00	11.01
Enterprise Value to EBIT (EV/EBIT)	17.19	28.44	35.20	34.53	32.82	35.21	48.76	5.29	30.11	0.00	13.62
Enterprise Value to NOPAT (EV/NOPAT)	23.73	21.80	428.31	43.79	37.76	39.93	48.69	5.67	35.00	0.00	19.25
Enterprise Value to Operating Cash Flow (EV/OCF)	18.78	15.49	19.03	20.61	25.22	24.36	0.00	17.35	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	12.00	10.66	0.00	21.94	31.49	36.36	0.00	0.63	0.00	0.00	32.19
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.42	1.06	0.90	0.64	0.58	0.57	0.00	1.01	0.85	0.90	0.96
Long-Term Debt to Equity	0.28	1.00	0.88	0.63	0.53	0.56	0.00	1.00	0.77	0.81	0.68
Financial Leverage	0.02	-0.07	0.30	0.53	0.47	0.39	0.00	0.09	0.87	0.89	0.93
Leverage Ratio	1.92	2.23	2.49	2.32	2.18	2.18	1.12	1.17	2.03	2.05	2.10
Compound Leverage Factor	1.88	1.81	1.84	1.77	1.88	1.98	1.12	1.11	0.89	44.92	1.25
Debt to Total Capital	29.68%	51.51%	47.31%	38.91%	36.69%	36.23%	0.47%	50.12%	46.01%	47.36%	48.93%
Short-Term Debt to Total Capital	10.32%	3.10%	1.21%	0.41%	2.99%	0.43%	0.47%	0.07%	4.29%	4.78%	13.98%
Long-Term Debt to Total Capital	19.36%	48.41%	46.10%	38.50%	33.70%	35.80%	0.00%	50.05%	41.72%	42.58%	34.95%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.38%	0.42%	0.34%	0.39%	0.43%	0.42%	108.40%	1.59%	0.05%	-0.11%	0.60%
Common Equity to Total Capital	69.94%	48.07%	52.35%	60.70%	62.88%	63.35%	-8.87%	48.28%	53.94%	52.75%	50.47%
Debt to EBITDA	1.91	6.74	4.02	2.77	2.35	2.13	0.09	0.81	5.07	47.85	3.70
Net Debt to EBITDA	-0.25	0.09	2.51	2.06	1.70	1.23	0.04	-0.05	4.14	31.27	3.35
Long-Term Debt to EBITDA	1.25	6.34	3.92	2.74	2.16	2.11	0.00	0.80	4.60	43.02	2.64
Debt to NOPAT	3.83	9.67	112.84	6.60	4.43	3.89	0.09	0.86	6.74	-612.43	6.46
Net Debt to NOPAT	-0.50	0.12	70.44	4.92	3.20	2.24	0.04	-0.05	5.50	-400.24	5.86
Long-Term Debt to NOPAT	2.50	9.08	109.96	6.53	4.07	3.84	0.00	0.86	6.11	-550.63	4.62
Noncontrolling Interest Sharing Ratio	0.53%	0.70%	0.73%	0.65%	0.66%	0.67%	111.71%	100.29%	0.54%	-0.12%	0.49%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	4,641	4,656	-30,145	5,919	4,914	5,294	0.00	295	-227	-501	38
Operating Cash Flow to CapEx	267.21%	285.73%	490.75%	451.94%	374.60%	362.93%	0.00%	0.00%	-33,765.51%	-26,558.24%	-2,757.06%
Free Cash Flow to Firm to Interest Expense	28.47	10.80	-33.35	5.96	6.70	9.70	0.00	6,882.25	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	18.20	7.43	6.16	6.34	8.37	14.47	0.00	249.85	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	11.39	4.83	4.91	4.94	6.14	10.48	0.00	249.85	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.49	0.44	0.42	0.43	0.47	0.49	0.00	0.23	0.34	0.19	0.26
Fixed Asset Turnover	3.50	3.65	4.12	4.03	4.09	4.06	0.00	0.00	316.70	157.00	179.37
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	20,810	18,430	48,822	45,868	45,052	44,579	318	56	304	804	829
Invested Capital Turnover	0.93	1.06	0.81	0.65	0.70	0.77	0.00	0.25	0.37	0.20	0.29
Increase / (Decrease) in Invested Capital	-2,294	-2,380	30,392	-2,954	-816	-473	0.00	-262	247	500	25
Enterprise Value (EV)	55,710	49,625	105,991	129,850	154,775	192,505	771	186	726	0.00	1,208
Market Capitalization	56,760	49,162	88,359	115,069	141,446	181,508	426	186	612	0.00	836
Book Value per Share	$14.18	$13.95	$17.75	$17.38	$17.58	$18.50	($0.65)	$1.49	$2.59	$5.68	$4.28
Tangible Book Value per Share	$4.02	$5.65	($8.39)	($6.65)	($5.16)	($3.24)	($0.65)	$1.49	($0.09)	$1.42	$1.02
Total Capital	30,327	42,723	59,022	50,288	49,440	51,750	318	56	304	804	829
Total Debt	9,001	22,006	27,924	19,566	18,139	18,747	1.50	28	140	381	406
Total Long-Term Debt	5,871	20,681	27,210	19,359	16,661	18,527	0.00	28	127	342	290
Net Debt	-1,165	284	17,431	14,583	13,116	10,778	0.65	-1.76	114	249	368
Capital Expenditures (CapEx)	1,110	1,121	1,135	1,394	1,638	2,177	0.00	0.00	0.19	0.79	0.93
Net Nonoperating Expense (NNE)	-2,076	876	-230	597	411	326	0.00	0.34	12	24	25
Net Nonoperating Obligations (NNO)	-516	-2,287	17,724	15,146	13,751	11,576	1.50	28	140	381	406
Total Depreciation and Amortization (D&A)	1,472	1,518	3,933	3,310	3,014	3,327	0.24	0.00	3.45	8.85	21
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.94	$0.94	$0.27	$1.34	$2.07	$2.52	$0.74	$0.00	$0.00	($0.34)	$0.38
Adjusted Weighted Average Basic Shares Outstanding	1.50B	1.48B	1.74B	1.76B	1.77B	1.77B	8.63M	32.26M	0.00	70.76M	96.14M
Adjusted Diluted Earnings per Share	$2.92	$0.94	$0.27	$1.33	$2.06	$2.50	$0.74	$0.00	$0.00	($0.34)	$0.36
Adjusted Weighted Average Diluted Shares Outstanding	1.51B	1.48B	1.75B	1.77B	1.78B	1.79B	8.63M	32.26M	0.00	70.76M	99.23M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$2.07	$0.00	$0.74	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	1.47B	1.73B	1.75B	1.76B	1.76B	1.77B	43.13M	0.00	0.00	96.85M	96.54M
Normalized Net Operating Profit after Tax (NOPAT)	2,347	2,276	1,095	2,965	4,098	4,821	11	34	20	1.29	60
Normalized NOPAT Margin	11.50%	10.92%	4.00%	9.70%	12.85%	13.93%	17,883,154.03%	73.12%	29.48%	1.15%	25.68%
Pre Tax Income Margin	15.60%	6.78%	8.15%	9.40%	12.78%	14.36%	25,547,362.90%	72.12%	15.82%	-17.36%	22.42%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	19.88	4.05	3.33	3.79	6.43	10.01	0.00	819.98	0.00	0.00	0.00
NOPAT to Interest Expense	14.40	5.28	0.27	2.99	5.59	8.83	0.00	764.60	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	13.07	1.45	2.08	2.38	4.20	6.03	0.00	819.98	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	7.59	2.68	-0.98	1.58	3.36	4.84	0.00	764.60	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	32.62%	109.93%	387.63%	83.36%	61.57%	56.95%	0.00%	21.82%	263.34%	-4.68%	53.17%
Augmented Payout Ratio	83.20%	147.21%	412.16%	93.41%	81.04%	65.92%	0.00%	21.82%	277.54%	-47.78%	170.51%

This table displays calculated financial ratios and metrics derived from Abacus Life's official financial filings.

Metric	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025
DEI Shares Outstanding	11,481,047.00	62,961,688.00	63,349,823.00	63,694,758.00	63,960,379.00	74,651,347.00	74,678,769.00	96,853,039.00	96,853,039.00	96,764,624.00	97,752,855.00
DEI Adjusted Shares Outstanding	11,481,047.00	62,961,688.00	63,349,823.00	63,694,758.00	63,960,379.00	74,651,347.00	74,678,769.00	96,853,039.00	96,853,039.00	96,764,624.00	97,752,855.00
DEI Earnings Per Adjusted Shares Outstanding	0.59	0.02	-0.10	-0.02	0.01	-0.07	-0.25	0.06	0.18	0.07	0.07
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	39.70%	96.10%	-19.64%	103.16%	147.81%	20.73%	59.85%	105.42%	93.37%	123.72%	116.48%
EBITDA Growth	61.32%	-6.57%	-90.07%	-47.83%	3.18%	-14.93%	-1,576.18%	552.43%	218.21%	212.20%	302.56%
EBIT Growth	61.34%	-23.11%	-107.40%	-70.81%	-21.32%	-19.36%	-2,317.19%	833.23%	232.60%	227.20%	236.01%
NOPAT Growth	36.58%	-30.51%	-114.07%	-80.85%	-74.27%	-33.10%	-939.75%	830.79%	898.77%	181.04%	221.42%
Net Income Growth	32.19%	-89.85%	-184.17%	-116.73%	-90.31%	-602.85%	-198.66%	523.30%	2,602.10%	233.88%	138.02%
EPS Growth	44.44%	-95.00%	0.00%	-112.50%	-92.31%	-800.00%	-85.71%	350.00%	1,700.00%	200.00%	123.08%
Operating Cash Flow Growth	-369.37%	-621.86%	-180.82%	114.47%	-219.57%	-340.54%	-565.98%	-2,549.63%	213.49%	37.36%	91.91%
Free Cash Flow Firm Growth	624.49%	-180.38%	-192.12%	-204.27%	-349.83%	26.38%	-105.95%	-27.42%	-53.17%	-166.49%	97.85%
Invested Capital Growth	-22.44%	277.35%	438.44%	2,181.07%	80.08%	53.94%	164.61%	125.44%	71.53%	93.54%	3.14%
Revenue Q/Q Growth	10.94%	98.72%	-10.89%	3.42%	35.32%	-3.19%	17.99%	39.64%	27.38%	12.01%	14.17%
EBITDA Q/Q Growth	11.48%	19.94%	-90.99%	333.01%	120.45%	-1.10%	-256.36%	272.10%	7.52%	-2.97%	1.45%
EBIT Q/Q Growth	11.48%	-1.28%	-108.16%	424.91%	200.51%	1.17%	-344.70%	214.90%	7.10%	-0.47%	1.72%
NOPAT Q/Q Growth	-13.61%	0.72%	-115.74%	239.76%	16.12%	161.81%	-344.70%	225.12%	24.60%	-26.33%	5.72%
Net Income Q/Q Growth	-11.82%	-84.37%	-705.61%	79.96%	151.10%	-910.87%	-259.70%	128.40%	226.19%	-59.82%	2.14%
EPS Q/Q Growth	-18.75%	-92.31%	-1,500.00%	85.71%	150.00%	-800.00%	-271.43%	119.23%	260.00%	-61.11%	-14.29%
Operating Cash Flow Q/Q Growth	-20.73%	43.44%	-16.37%	118.20%	-2,767.03%	22.03%	-75.93%	33.04%	223.56%	-143.04%	77.29%
Free Cash Flow Firm Q/Q Growth	-75.02%	-352.59%	-22.92%	-34.44%	40.14%	25.56%	-243.84%	16.83%	28.05%	-29.51%	97.23%
Invested Capital Q/Q Growth	1,537.42%	13.03%	6.66%	15.55%	29.27%	-3.38%	83.34%	-1.55%	-1.65%	9.03%	-2.30%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	73.35%	44.27%	4.48%	18.75%	30.54%	31.20%	-41.35%	59.54%	50.26%	43.54%	38.69%
EBIT Margin	73.34%	36.43%	-3.34%	10.49%	23.29%	24.34%	-50.47%	47.64%	40.05%	35.59%	31.71%
Profit (Net Income) Margin	57.30%	4.51%	-30.64%	-5.94%	2.24%	-18.77%	-57.24%	12.23%	31.32%	11.24%	10.05%
Tax Burden Percent	85.02%	16.68%	59.63%	1,250.98%	27.05%	95.48%	117.30%	69.82%	81.23%	60.12%	62.49%
Interest Burden Percent	91.90%	74.16%	1,539.16%	-4.53%	35.59%	-80.81%	96.68%	36.78%	96.28%	52.51%	50.72%
Effective Tax Rate	14.98%	27.15%	0.00%	0.00%	72.95%	0.00%	0.00%	30.18%	18.77%	39.88%	37.51%
Return on Invested Capital (ROIC)	12.62%	12.19%	-2.00%	3.10%	1.69%	4.68%	-7.14%	7.83%	8.54%	6.53%	5.71%
ROIC Less NNEP Spread (ROIC-NNEP)	11.77%	2.31%	-8.23%	0.12%	0.87%	-2.05%	-9.93%	4.41%	8.29%	4.36%	3.92%
Return on Net Nonoperating Assets (RNNOA)	2.22%	1.21%	-7.20%	0.13%	0.60%	-1.45%	-8.80%	3.97%	6.77%	3.69%	3.64%
Return on Equity (ROE)	14.84%	13.40%	-9.20%	3.22%	2.29%	3.24%	-15.94%	11.81%	15.31%	10.22%	9.35%
Cash Return on Invested Capital (CROIC)	36.93%	-100.00%	-125.83%	-182.80%	-53.76%	-39.73%	-90.40%	-74.90%	-53.60%	-60.34%	4.60%
Operating Return on Assets (OROA)	14.14%	12.87%	-1.13%	3.99%	5.79%	6.20%	-9.37%	10.40%	9.72%	10.02%	8.40%
Return on Assets (ROA)	11.05%	1.59%	-10.41%	-2.26%	0.56%	-4.78%	-10.62%	2.67%	7.60%	3.16%	2.66%
Return on Common Equity (ROCE)	4.28%	7.83%	-9.15%	2.68%	2.29%	3.24%	-15.96%	11.71%	15.20%	10.15%	9.31%
Return on Equity Simple (ROE_SIMPLE)	20.15%	13.85%	0.00%	0.08%	-2.31%	-4.76%	0.00%	-4.24%	-0.31%	2.55%	0.00%
Net Operating Profit after Tax (NOPAT)	7.12	7.17	-1.13	1.58	1.83	4.79	-12	15	18	13	14
NOPAT Margin	60.66%	30.74%	-5.43%	7.34%	6.30%	17.03%	-35.33%	33.26%	32.53%	21.40%	19.82%
Net Nonoperating Expense Percent (NNEP)	0.86%	9.89%	6.23%	2.98%	0.82%	6.73%	2.80%	3.43%	0.25%	2.17%	1.78%
SG&A Expenses to Revenue	5.83%	7.31%	8.61%	8.98%	8.78%	7.71%	7.26%	5.93%	5.81%	6.03%	6.81%
Operating Expenses to Revenue	26.66%	63.57%	103.34%	89.51%	76.71%	75.66%	150.47%	52.36%	59.95%	64.41%	68.29%
Earnings before Interest and Taxes (EBIT)	8.61	8.49	-0.69	2.25	6.77	6.85	-17	21	23	22	23
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	8.61	10	0.93	4.03	8.88	8.78	-14	26	28	27	28
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.72	2.59	3.73	4.70	2.15	2.93	0.00	1.68	1.20	1.28	2.00
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	6.11	8.08	0.00	6.19	4.68	4.82	8.41
Price to Revenue (P/Rev)	1.92	6.02	9.22	10.03	5.85	7.59	0.00	5.39	3.08	2.82	3.55
Price to Earnings (P/E)	3.55	18.40	64.30	9,417.59	0.00	0.00	0.00	0.00	0.00	50.22	22.88
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	28.18%	5.43%	1.56%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	1.99%	4.37%
Enterprise Value to Invested Capital (EV/IC)	0.74	1.80	2.39	2.55	1.45	2.09	0.00	1.32	1.01	1.04	1.46
Enterprise Value to Revenue (EV/Rev)	3.10	7.17	10.94	11.59	6.96	9.21	0.00	7.75	4.85	4.49	5.14
Enterprise Value to EBITDA (EV/EBITDA)	5.06	14.23	26.34	37.53	27.28	40.52	0.00	34.51	15.83	12.93	11.01
Enterprise Value to EBIT (EV/EBIT)	5.06	14.99	30.11	48.04	39.17	60.38	0.00	58.29	23.34	17.93	13.62
Enterprise Value to NOPAT (EV/NOPAT)	5.54	17.55	35.00	1,216.25	54.58	91.82	0.00	83.28	0.00	40.44	19.25
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	1.75	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	32.19
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.57	0.72	0.85	1.12	0.77	0.70	0.90	0.82	0.85	0.93	0.96
Long-Term Debt to Equity	0.57	0.72	0.77	1.03	0.59	0.65	0.81	0.55	0.57	0.66	0.68
Financial Leverage	0.19	0.52	0.87	1.09	0.69	0.71	0.89	0.90	0.82	0.85	0.93
Leverage Ratio	1.28	1.71	2.03	2.32	1.82	1.84	2.05	2.05	1.96	2.00	2.10
Compound Leverage Factor	1.18	1.27	31.30	-0.11	0.65	-1.49	1.99	0.75	1.89	1.05	1.06
Debt to Total Capital	36.33%	41.70%	46.01%	52.91%	43.42%	41.19%	47.36%	44.98%	45.86%	48.21%	48.93%
Short-Term Debt to Total Capital	0.16%	0.00%	4.29%	4.46%	10.08%	3.22%	4.78%	14.92%	15.27%	14.08%	13.98%
Long-Term Debt to Total Capital	36.17%	41.70%	41.72%	48.46%	33.33%	37.97%	42.58%	30.06%	30.59%	34.14%	34.95%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.14%	0.10%	0.05%	0.06%	0.02%	-0.02%	-0.11%	0.62%	0.63%	0.59%	0.60%
Common Equity to Total Capital	63.53%	58.19%	53.94%	47.03%	56.57%	58.83%	52.75%	54.40%	53.51%	51.20%	50.47%
Debt to EBITDA	2.49	3.30	5.07	7.78	8.16	7.99	47.85	11.79	7.20	6.00	3.70
Net Debt to EBITDA	1.92	2.28	4.14	5.04	4.38	7.13	31.27	10.34	5.69	4.73	3.35
Long-Term Debt to EBITDA	2.48	3.30	4.60	7.12	6.26	7.36	43.02	7.88	4.80	4.25	2.64
Debt to NOPAT	2.73	4.07	6.74	252.10	16.32	18.10	-612.43	28.44	-63.42	18.76	6.46
Net Debt to NOPAT	2.10	2.81	5.50	163.39	8.76	16.15	-400.24	24.94	-50.13	14.80	5.86
Long-Term Debt to NOPAT	2.71	4.07	6.11	230.87	12.53	16.68	-550.63	19.01	-42.31	13.28	4.62
Noncontrolling Interest Sharing Ratio	71.13%	41.56%	0.54%	16.87%	0.10%	0.05%	-0.12%	0.85%	0.74%	0.70%	0.49%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	80	-202	-249	-334	-200	-149	-512	-426	-306	-397	-11
Operating Cash Flow to CapEx	0.00%	-12,270.86%	-14,858.81%	1,554.07%	-35,455.40%	-21,557.08%	-47,714.70%	-27,450.38%	17,993.21%	-19,081.28%	-6,614.46%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.19	0.35	0.34	0.38	0.25	0.25	0.19	0.22	0.24	0.28	0.26
Fixed Asset Turnover	0.00	0.00	316.70	0.00	217.55	172.96	157.00	155.56	146.35	158.58	179.37
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	252	285	304	351	454	439	804	792	779	849	829
Invested Capital Turnover	0.21	0.40	0.37	0.42	0.27	0.28	0.20	0.24	0.26	0.31	0.29
Increase / (Decrease) in Invested Capital	-73	209	247	336	202	154	500	440	325	410	25
Enterprise Value (EV)	186	512	726	896	659	917	0.00	1,043	785	882	1,208
Market Capitalization	115	430	612	776	553	755	0.00	725	498	554	836
Book Value per Share	$13.95	$2.63	$2.59	$2.59	$4.02	$3.46	$5.68	$4.45	$4.30	$4.49	$4.28
Tangible Book Value per Share	($1.14)	($0.09)	($0.09)	($0.05)	$1.42	$1.25	$1.42	$1.21	$1.10	$1.19	$1.02
Total Capital	252	285	304	351	454	439	804	792	779	849	829
Total Debt	92	119	140	186	197	181	381	356	357	409	406
Total Long-Term Debt	91	119	127	170	151	167	342	238	238	290	290
Net Debt	70	82	114	120	106	161	249	312	282	323	368
Capital Expenditures (CapEx)	0.00	0.10	0.09	0.16	0.19	0.24	0.19	0.22	0.42	0.17	0.11
Net Nonoperating Expense (NNE)	0.39	6.12	5.24	2.85	1.18	10	7.28	9.28	0.68	6.40	7.02
Net Nonoperating Obligations (NNO)	92	119	140	186	197	181	381	356	357	409	406
Total Depreciation and Amortization (D&A)	0.00	1.83	1.62	1.77	2.11	1.93	3.03	5.25	5.74	5.00	5.02
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.13	$0.01	($0.13)	($0.02)	$0.01	($0.07)	($0.26)	$0.05	$0.18	$0.07	$0.08
Adjusted Weighted Average Basic Shares Outstanding	50.51M	63.35M	56.95M	63.03M	63.85M	74.69M	70.76M	96.19M	94.69M	95.96M	96.14M
Adjusted Diluted Earnings per Share	$0.13	$0.01	($0.14)	($0.02)	$0.01	($0.07)	($0.26)	$0.05	$0.18	$0.07	$0.06
Adjusted Weighted Average Diluted Shares Outstanding	50.51M	63.35M	57.77M	63.03M	67.16M	74.69M	70.76M	97.50M	97.37M	96.65M	99.23M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	62.96M	63.35M	63.69M	63.93M	74.65M	74.68M	96.85M	96.85M	96.76M	97.75M	96.54M
Normalized Net Operating Profit after Tax (NOPAT)	6.54	7.39	-1.74	0.76	4.39	4.50	-8.37	14	19	13	12
Normalized NOPAT Margin	55.78%	31.70%	-8.39%	3.55%	15.11%	16.00%	-25.19%	32.83%	32.93%	21.40%	16.89%
Pre Tax Income Margin	67.40%	27.02%	-51.37%	-0.47%	8.29%	-19.66%	-48.79%	17.52%	38.56%	18.69%	16.08%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	87.40%	119.89%	263.34%	0.00%	-23.89%	-9.49%	-4.68%	0.00%	-0.41%	0.85%	53.17%
Augmented Payout Ratio	87.40%	119.89%	277.54%	6,561.95%	-226.41%	-107.47%	-47.78%	-17.64%	-2,729.53%	346.14%	170.51%

Financials Breakdown Chart

Key Financial Trends

Note: The data provided appears to be for Abacus Life, Inc. (ticker AB L / ABL), not Abacus Global Management (NYSE: ABX). The analysis below is based on the supplied AB L dataset. If you intended ABX data, please share the correct figures.

Total Revenue surged to about $71.9 million in Q4 2025, up from roughly $20.8 million in Q4 2024, indicating strong top-line growth.
Net income from continuing operations turned positive in 2025, with quarterly results in Q2–Q4 2025 showing profitability (e.g., Q2 2025 net income from continuing operations around $17.6 million; Q4 2025 around $7.2 million), signaling improved profitability versus 2024.
Net cash from operating activities was robust in Q2 2025 at about $76.1 million, illustrating solid cash-generation capacity despite later-quarter fluctuations.
Total assets grew to approximately $918.9 million by Q3 2025, reflecting balance-sheet expansion and ongoing growth.
The company maintained a solid equity base around $434.6 million by Q3 2025, with liabilities roughly $479.3 million, suggesting a balanced capitalization profile.
Debt issuances in 2025 (e.g., significant debt issuances in Q3 and Q4) added liquidity, while long-term debt stood around $289.8 million by Q3 2025, indicating continued leveraging for growth.
A meaningful dividend payout occurred in Q4 2025 (about $19.7 million), which reflects shareholder returns but reduces cash on hand in that period.
Leverage is elevated, with total liabilities near $479.3 million and equity around $434.6 million in Q3 2025, implying a debt-to-equity posture around 1.1x.
Cash flow from operating activities was negative in several later 2025 quarters (e.g., Q3 and Q4 2025), signaling ongoing working-capital-related cash outflows despite rising net income.
Investing activities consistently show net cash outflows across quarters, indicating ongoing capital deployment but contributing to overall cash burn and reduced liquidity in the near term.

05/06/26 04:36 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Abacus Life's Financials

When does Abacus Life's fiscal year end?

According to the most recent income statement we have on file, Abacus Life's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

How has Abacus Life's net income changed over the last 10 years?

Abacus Life's net income appears to be on a downward trend, with a most recent value of $37.31 million in 2025, falling from $4.42 billion in 2015. The previous period was -$24.92 million in 2024. Find out what analysts predict for Abacus Life in the coming months.

How has Abacus Life's revenue changed over the last 10 years?

Over the last 10 years, Abacus Life's total revenue changed from $20.41 billion in 2015 to $235.24 million in 2025, a change of -98.8%.

How much debt does Abacus Life have?

Abacus Life's total liabilities were at $478.70 million at the end of 2025, a 6.2% increase from 2024, and a 97.6% decrease since 2015.

How much cash does Abacus Life have?

In the past 10 years, Abacus Life's cash and equivalents has ranged from $589.69 thousand in 2020 to $18.62 billion in 2016, and is currently $38.11 million as of their latest financial filing in 2025.

How has Abacus Life's book value per share changed over the last 10 years?

Over the last 10 years, Abacus Life's book value per share changed from 14.18 in 2015 to 4.28 in 2025, a change of -69.8%.

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Financial statements for NASDAQ:ABL last updated on 4/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Abacus Life (ABL) Financials

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Abacus Life (ABL) Financials

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