Equitable Holdings, Inc. (EQH)

Equitable Holdings, Inc. (EQH) Financial Services Profile

Equitable Holdings, Inc., a diversified financial services provider, offers retirement, investment, and protection solutions. Serving individuals, businesses, and institutions, the company operates through multiple segments, including individual and group retirement, investment management, and protection solutions. Its variable annuity products cater to affluent and high-net-worth clients.

What Is the Investment Thesis for EQH?

Equitable Holdings, Inc. presents a mixed investment thesis. The company's diversified business model, spanning retirement, investment management, and protection solutions, offers stability. The dividend yield of 2.54% provides income for investors. However, the negative profit margin of -7.3% raises concerns about profitability. Growth catalysts include expanding investment management services and capitalizing on the increasing demand for retirement solutions. Potential risks include market volatility impacting investment returns and regulatory changes affecting the insurance industry. Investors should closely monitor the company's ability to improve profitability and manage risks effectively.

Based on FMP financials and quantitative analysis

EQH Key Highlights

• Equitable Holdings has a market capitalization of $12.96B, reflecting its significant presence in the financial services sector.
• The company's gross margin stands at 63.5%, indicating strong revenue generation relative to the cost of goods sold.
• Equitable Holdings offers a dividend yield of 2.54%, providing a steady income stream for investors.
• The company's beta of 1.11 suggests that its stock price is slightly more volatile than the overall market.
• Equitable Holdings operates with approximately 8,000 employees, highlighting its substantial operational scale.

Who Are EQH's Competitors?

EQH is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are EQH's Key Strengths?

• Diversified business model across retirement, investment management, and protection solutions.
• Established brand reputation and long operating history.
• Strong distribution network and relationships with financial advisors.
• Significant assets under management.

What Are EQH's Weaknesses?

• Negative profit margin (-7.3%) indicating profitability challenges.
• Sensitivity to market volatility and interest rate fluctuations.
• Complex regulatory environment.
• Dependence on financial advisor network.

What Could Drive EQH Stock Higher?

• Expansion of digital platforms to enhance customer engagement and streamline operations.
• Strategic partnerships to broaden product offerings and market reach.
• Launch of new investment products and services targeting specific investor needs.
• Focus on sustainable investing to attract socially responsible clients.

What Are the Key Risks for EQH?

• Financial-distress signal — its Altman Z-Score of -0.14 sits in the distress zone (elevated bankruptcy risk).
• Market volatility impacting investment returns and asset values.
• Regulatory changes affecting the insurance and investment industries.
• Interest rate fluctuations impacting profitability and investment income.
• Intense competition from other financial services companies.
• Cybersecurity threats and data breaches compromising customer information.

What Are the Growth Opportunities for EQH?

• Expansion of Investment Management Services: Equitable Holdings can expand its investment management services to capture a larger share of the growing asset management market. The global asset management market is projected to reach trillions of dollars by 2028. By offering innovative investment products and solutions, Equitable Holdings can attract new clients and increase its assets under management. This expansion can be achieved through strategic partnerships, acquisitions, and organic growth initiatives, with a timeline of 3-5 years.
• Capitalizing on the Increasing Demand for Retirement Solutions: With an aging population and increasing concerns about retirement security, the demand for retirement solutions is growing. Equitable Holdings can capitalize on this trend by offering a comprehensive suite of retirement products and services, including annuities, 401(k) plans, and retirement planning advice. The retirement market is expected to grow significantly over the next decade, presenting a substantial opportunity for Equitable Holdings. Timeline: Ongoing.
• Leveraging Digital Technologies: Equitable Holdings can leverage digital technologies to enhance its customer experience, improve operational efficiency, and expand its reach. By investing in digital platforms, mobile apps, and data analytics, the company can provide personalized services, streamline processes, and gain insights into customer needs. The adoption of digital technologies is transforming the financial services industry, and Equitable Holdings can gain a competitive advantage by embracing these technologies. Timeline: Ongoing.
• Strategic Partnerships and Acquisitions: Equitable Holdings can pursue strategic partnerships and acquisitions to expand its product offerings, enter new markets, and enhance its capabilities. By partnering with other financial institutions, technology companies, and distribution partners, the company can leverage complementary strengths and reach a wider audience. Acquisitions can provide access to new technologies, talent, and customer bases, accelerating growth and enhancing competitiveness. Timeline: 2-4 years.
• Focus on Sustainable Investing: As environmental, social, and governance (ESG) factors become increasingly important to investors, Equitable Holdings can focus on sustainable investing to attract socially responsible clients. By offering ESG-focused investment products and integrating ESG considerations into its investment process, the company can appeal to a growing segment of the market. Sustainable investing is expected to grow significantly in the coming years, presenting a substantial opportunity for Equitable Holdings. Timeline: Ongoing.

What Opportunities Does EQH Have?

• Expansion of investment management services to capture a larger share of the asset management market.
• Capitalizing on the increasing demand for retirement solutions.
• Leveraging digital technologies to enhance customer experience and improve efficiency.
• Strategic partnerships and acquisitions to expand product offerings and enter new markets.

What Threats Does EQH Face?

• Intense competition from other financial services companies.
• Regulatory changes impacting the insurance and investment industries.
• Economic downturns reducing demand for financial products and services.
• Cybersecurity risks and data breaches.

What Are EQH's Competitive Advantages?

• Established brand reputation and long operating history (founded in 1859).
• Diversified business model spanning retirement, investment management, and protection solutions.
• Extensive distribution network and strong relationships with financial advisors.
• Significant assets under management providing economies of scale.

What Does EQH Do?

Equitable Holdings, Inc., established in 1859 and headquartered in New York City, has evolved into a global diversified financial services organization. Originally known as AXA Equitable Holdings, Inc., the company rebranded in January 2020 to Equitable Holdings, Inc. The company operates through four primary segments: Individual Retirement, Group Retirement, Investment Management and Research, and Protection Solutions. The Individual Retirement segment focuses on variable annuity products designed for affluent and high net worth individuals. The Group Retirement segment offers tax-deferred investment and retirement products to educational entities, municipalities, non-profits, and small to medium-sized businesses. The Investment Management and Research segment provides investment management, research, and related services through institutional, retail, and private wealth management channels. The Protection Solutions segment offers variable universal life, indexed universal life, and term life products to affluent individuals and business owners, alongside life, disability, dental, and vision insurance for small to medium-sized businesses. With approximately 8,000 employees, Equitable Holdings serves a diverse clientele worldwide, solidifying its position in the financial services industry.

What Products and Services Does EQH Offer?

• Offers variable annuity products to affluent and high net worth individuals.
• Provides tax-deferred investment and retirement services to educational entities, municipalities, and non-profit organizations.
• Delivers investment management, research, and related solutions to institutional, retail, and private wealth management clients.
• Distributes institutional research products and solutions.
• Offers variable universal life, indexed universal life, and term life products.
• Provides life, short- and long-term disability, dental, and vision insurance products to small and medium-sized businesses.

How Does EQH Make Money?

• Generates revenue through fees and commissions from the sale of retirement, investment, and protection products.
• Earns investment income from managing assets for clients.
• Provides investment management and research services for a fee.
• Manages risk through diversification and hedging strategies.

What Industry Does EQH Operate In?

Equitable Holdings operates within the diversified financial services industry, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by macroeconomic factors, such as interest rates and market volatility, which impact investment returns and profitability. Key competitors include MET: MetLife, Inc. and PFG: Principal Financial Group, Inc.. Trends include the increasing demand for retirement solutions, the growing adoption of digital technologies, and the rising importance of sustainable investing. Equitable Holdings' diversified business model positions it to capitalize on these trends and navigate the competitive environment.

Who Are EQH's Key Customers?

• Affluent and high net worth individuals seeking retirement and investment solutions.
• Educational entities, municipalities, and non-profit organizations offering retirement plans to their employees.
• Small and medium-sized businesses seeking employee benefits and insurance products.
• Institutional investors seeking investment management and research services.

Company Profile

Equitable Holdings, Inc. operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in New York City, US. The company is led by CEO Jeffrey Joy Hurd. EQH has traded publicly since 2018.

How Equitable Holdings, Inc. Is Valued

Equitable Holdings, Inc. carries a market capitalization of $12.96B, placing it in the large-cap category. Relative to its peer group, EQH's quantitative score of 38/100 is below the peer average of 65/100.

Key Financial Metrics

Return on assets is -0.3%, showing how much profit it generates from its asset base. Its free cash flow yield is 6.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.56 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -7.0%, the inverse of the P/E and a quick read on earnings relative to price.

F-Score 5/9Financial Health

Equitable Holdings, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.14 places it in the distress zone, a signal of elevated financial risk.

FY2026 estForward Outlook

Wall Street analysts project Equitable Holdings, Inc. revenue of about $15.56B for fiscal 2026, with EPS near $7.09. The estimate reflects 5 contributing analysts.

Net buyingInsider Activity

Over the past six months, Equitable Holdings, Inc. insiders filed 18 SEC Form 4 transactions — 2 sales and 16 purchases. On net that is roughly 37K shares acquired (about $1.4M) — insiders putting money in tends to read as conviction.

EQH Financials

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EQH Analyst Consensus

EQH MoonshotScore

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Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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