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ZYBERNO

Stock Report

Updated Jun 3, 2026

Abacus Global Management, Inc. (ABL)

Financial Services • NASDAQ

$8.72

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

56.0/100

AVERAGE BUSINESS

Abacus Global Management, Inc. (ABL) scores 56/100 — decent metrics but limited evidence of durable competitive advantage.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full ABL quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

Margin of Safety unavailable — insufficient data for the owner-earnings DCF.

BRINA GAP ↗

Is the market underestimating or overestimating what this business is capable of going forward?

-9.2%

Market Overestimates

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full ABL valuation analysis · → View full ABL Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):POOR (9.3%)

Debt-to-Equity (Solvency Risk):AVERAGE (0.83x)

Operating Margin (Operational Efficiency):EXCELLENT (34.4%)

Return on Capital (Capital Efficiency):POOR (7.5%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Abacus Global Management, Inc. (ABL) stock report — Zyberno Score 56/100 (AVERAGE BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, Abacus Global Management, Inc. (ABL) shows a Brina Gap of -9.2%, which weakens the case: based on the company's ROIC (7.5%) and reinvestment rate (-24.8%), the business can fundamentally grow at -1.9% — but the current enterprise value implies the market expects 7.3%.

Over the trailing twelve months, ABL generated $126.76M in Owner Earnings. Capital was deployed as follows: $14.45M returned via share buybacks, $19.55M paid as dividends, $840.96K invested in capital expenditures. Reinvestment rate: -24.8%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:8.72

Market Cap:$843.89M

Valuation Multiples (4)

P/E Ratio:

22.95x

📊 Click to view full ABL P/E analysis →

P/B Ratio:2.02x

P/S Ratio:3.37x

Peg Ratio:-999.00x

Enterprise Metrics (3)

Enterprise Value:$1.29B

Ev Ebitda Ratio:11.06x

Pfcf Ratio:6.66x

B. Profitability Assessment

Return Metrics (7)

ROE:

9.3%

📊 Click to view full ABL ROE analysis →

ROA:4.5%

Roic:

7.5%

📊 Click to view full ABL ROIC analysis →

Reinvestment Rate:-24.8%

Fundamental Growth Rate (g):-1.9%

Market-Implied Growth Rate:7.3%

Brina Gap:

-9.2%

☷ Click to view full ABL Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:34.4%

Net Margin Ttm:15.6%

Ebitda Margin:46.4%

TTM Performance (3)

Gross Margin Ttm:88.8%

Operating Margin Ttm:34.4%

Net Margin Ttm:15.6%

Yield Metrics (3)

Earnings Yield:$4.36

Owner Earnings Yield:$15.02

Dividend Yield:2.3%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):84.0%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):47.4%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):87.0%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:1.91x

Quick Ratio:1.91x

Cash Ratio:1.04x

Leverage Analysis (3)

Debt To Equity Ttm:0.83x

Debt-to-Equity Ratio:0.83x

Debt To Ebitda:4.13x

Coverage Ratios (2)

Interest Coverage Ratio:2.24x

Times Interest Earned:2.24

Capital Structure (4)

Working Capital:32,514,868.00

Cash And Cash Equivalents:37,209,747.00

Long Term Debt:$328.50M

Net Debt:$442.71M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $250.49M

Linear Growth: 84.0%

📊 Click to view full ABL Revenue analysis & methodology →

Cost Of Revenue Ttm:$28.06M

Profitability Breakdown (2)

Gross profit TTM: $222.43M

Linear Growth: 84.1%

📊 Click to view full ABL Gross Profit analysis & methodology →

Operating income TTM: $86.06M

Linear Growth: 87.0%

📊 Click to view full ABL Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: $39.15M

Linear Growth: 47.4%

📊 Click to view full ABL Net Income analysis & methodology →

Income Before Tax:$0.00

Ebitda Ttm:116,332,872.00

Operating Expenses (5)

Operating Expenses:136,372,381.00

R And D Expense:0.00

Sga Expense:101,405,310.00

Income Tax Expense:$16.89M

Interest Expense:39,629,199.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:170.7%

Ebitda Margin:46.4%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$829.79M

Current Assets:$68.32M

Ppe Net:1,621,754.00

Goodwill:252,779,884.00

Intangible Assets:$63.28M

Liability Structure (4)

Total Liabilities:407,191,800.00

Current Liabilities:35,802,205.00

Long Term Debt:$328.50M

Short Term Debt:$151.42M

Equity & Capital (3)

Equity:$417.60M

Retained Earnings:-$34.46M

Common Stock:200,000,000.00

Working Capital Items (3)

Accounts Receivable:0.00

Inventory:0.00

Accounts Payable:7,146,873.00

Special Items (2)

Contract Liabilities:766,528.00

Stock Based Compensation:6,343,401.00

C. Cash Flow Analysis

Operating Activities (2)

$127.60M$126.76M

Investment Activities (2)

Investing Cash Flow:-$931.74K

Capital Expenditures Ttm:840,963.00

Financing Activities (3)

Financing Cash Flow:-$91.66M

Dividends Paid Ttm:19,550,571.00

Stock Repurchase:14,453,988.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$744.37K

Long Term Debt Repayments:$38.42M

Non-Cash Items (1)

Depreciation Amortization Ttm:30,273,687.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):0.40

Eps diluted TTM: $0.38

Linear Growth: 47.1%

📊 Click to view full ABL EPS analysis & methodology →

Earnings Per Share Ttm:$0.40

Revenue & Cash Per Share (3)

Sales Per Share Ttm:2.59

Operating Cash Flow Per Share:-$0.27

Fcf Per Share Ttm:1.31

Book Value & Capital (2)

Book Value Per Share:$4.32

Cash Per Share:0.38

Dividend Policy (1)

Dividend Payout Ratio:99.52x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.29x

Working Capital Turnover Ttm:7.70x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x

Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:92.98

Cash Conversion Cycle:-2,090.98

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:40.00

Quality Score:55.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $126.76M

Linear Growth: 0.0%

📊 Click to view full ABL Owner Earnings analysis & methodology →

Owner Earnings Per Share:$1.31

Owner Earnings Yield:$15.02

Damodaran Growth Analysis (4)

Reinvestment Rate:-24.8%

Fundamental Growth Rate (g):-1.9%

Market-Implied Growth Rate:7.3%

Brina Gap:

-9.2%

☷ Click to view full ABL Brina Gap analysis →

Investment Assessment (1)

Buffett Assessment:Overvalued

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):84.0%

Net Income Growth Rate (Linear):47.4%

Operating Income Growth Rate (Linear):87.0%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):84.1%

Book Value Growth Rate (Linear):54.3%

C. Company Profile & Context

Corporate Information (6)

Symbol:ABL

Company Name:Abacus Global Management, Inc.

Sector:Financial Services

Industry:Asset Management

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:low

Volume Category:N/A

Share Structure (3)

Shares Outstanding:96.78M

Shares Outstanding Basic:96.78M

Shares Outstanding Diluted:99.55M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-06-03 08:32:32 UTC

Data Timestamp:2026-06-03T08:32:32.503095