Abacus Global Management, Inc. 2025 Annual Report: Key Points and Shareholder Insights

Executive Summary

Abacus Global Management, Inc. (“Abacus”, NYSE: ABX) has released its Annual Report for the fiscal year ending December 31, 2025, presenting a year of strategic transformation, robust growth, and significant capital market milestones. The company, specializing in alternative asset management, longevity-based assets, data-driven wealth solutions, and technology innovations, has expanded its platform both organically and through acquisitions, positioning itself as a leader in the financial services sector.

Key Developments and Potentially Price-Sensitive Highlights

• Significant Acquisitions: Completed the acquisitions of Carlisle and FCF Advisors in December 2024, and AccuQuote in October 2025. These moves have expanded Abacus’s distribution capabilities, product portfolio, and access to proprietary technology in the online insurance brokerage space.
• Launch of ABF Strategy (January 2026): The “ABF” initiative deploys third-party capital into asset-backed lending and structured credit opportunities, leveraging actuarial expertise in a market estimated at over \$20 trillion. This represents a significant platform extension and a new, recurring revenue stream.
• First Investment-Grade Securitization: In October 2025, Abacus completed its first \$50 million investment-grade securitized note backed by life insurance assets. This establishes a template for future securitizations, providing a scalable, lower-cost funding mechanism while generating ongoing fee-based revenue.
• Inclusion in Major Indexes: As of September 2025, Abacus was added to the Russell 2000 and Russell 3000 Indexes, boosting its visibility among institutional investors and potentially increasing trading volumes and liquidity.
• NYSE Listing and Market Maker Appointment: The company is now listed on the NYSE, with Citadel Securities serving as its Designated Market Maker, expected to improve market stability and investor access.
• Robust Capital Position: As of June 30, 2025, the aggregate market value of Abacus’s public float was approximately \$142.3 million. As of March 10, 2026, common stock outstanding was 96,542,155 shares.
• Transition to Recurring Revenue Model: The business is shifting towards a durable, recurring revenue base through growth in asset management and servicing, underpinned by technology innovation and the scaling of its hold portfolio.

Business Overview and Strategic Direction

• Integrated Verticals: Abacus operates across four distinct verticals: Life Solutions, Asset Management, Private Wealth Management, and Health & Longevity Technology.
• Focus on Longevity-Based Assets: Leverages proprietary data and technology to originate, underwrite, and actively manage life insurance policies, providing uncorrelated returns and investment opportunities for institutional and private clients.
• Technology Platforms: The company’s proprietary tools—including the Policy Value Calculator, risk rating “heat map,” and tertiary trading platform (Abacusmarketplace.com)—drive efficiency, transparency, and scale in origination and trading, and support industry-wide portfolio management.
• Recurring Fee Revenue: Securitization and third-party servicing of life insurance portfolios have created new, predictable sources of fee income.

Industry Position and Market Trends

• Large and Under-Penetrated Market: The U.S. life insurance market has an estimated face value of in-force policies approaching \$20 trillion, with the life settlements sector still in early growth stages.
• Institutional Grade Assets: Over 90% of life insurance carriers involved have “A” or better credit ratings, offering high-quality, cash-backed assets for investors.
• Growth in Securitization: The company’s ability to securitize portfolios is expected to provide scale, reduce funding costs, and enhance returns for shareholders.

Shareholder and Governance Matters

• Compliance: Abacus remains a non-accelerated filer and a smaller reporting company, compliant with all SEC reporting requirements.
• No Shell Company Status: The company is not a shell company under SEC definitions.
• Proxy Statement Reference: Portions of the Definitive Proxy Statement for the 2026 Annual Meeting of Shareholders are incorporated into the report, covering directors, compensation, and governance.

Forward-Looking Statements and Risks

• Forward-Looking Cautions: The company notes that forward-looking statements are based on current expectations and subject to risks, including economic conditions, competition, regulatory change, and the company’s ability to scale its capital base and technology platforms.
• Potential Risks: Material risks include market volatility, interest rate changes, competitive pressures, and execution risks associated with acquisitions and new product launches.

Conclusion: Shareholder Value Drivers

Shareholders should note: The 2025 Annual Report signals a period of significant transformation for Abacus Global Management. The completion of major acquisitions, launch of new asset management strategies, successful entry into securitization, and inclusion in key market indexes are all potentially price-sensitive developments. These initiatives are expected to enhance recurring revenues, broaden investor interest, and strengthen the company’s position as an industry innovator.

The company’s forward momentum, especially in asset-backed securitization, technology, and institutional capital access, could positively affect share value. However, investors should remain mindful of execution, integration, and market risks outlined in the report.

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