Equitable Holdings

EQH

Insurance - Diversified · Financial Services

Price

$48.99

-0.01 (-0.02%)

Market Cap

$13.37B

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Share count falling — buybacks

−28.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 417.4M (2021) → 298.1M (2025)

Equitable Holdings is a financial services company that helps people save for retirement and protect their finances. Its main products include life insurance, annuities, and investment management services, sold mostly to individual Americans and workplace retirement plans. The company owns two core businesses: Equitable Life Insurance and a majority stake in AllianceBernstein, a large global investment management firm.

Equitable makes money by collecting insurance premiums, charging fees on assets it manages for clients, and earning investment income on its own portfolio. It operates primarily in the United States and manages roughly $800 billion in assets across its businesses, giving it meaningful scale in the retirement savings market. The company's main growth driver is the aging U.S. population, which is increasing demand for retirement income products like annuities, though rising interest rate volatility and equity market swings can significantly pressure the value of its insurance liabilities and reported earnings.

Winston Score History

Politician Trades

9 trades / 12mo

6 Congressional buys and 3 sells on EQH in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+8.4% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

>+1,000% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.6%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$9.9B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Equitable Holdings is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

90.7%

Premium pricing power — 90.7% gross margin

Operating Margin

21.0%

Excellent — 21.0% operating margin

ROCE

12.3%

Good — 12.3% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

-19.2%

Shrinking sales (-19.2% YoY)

EPS YoY

-175.1%

Earnings shrinking (-175.1% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

6.8%

Modest free cash flow (6.8%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

25.37

Heavy debt load (25.37)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.43%

Moderate income — 2.43% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+12.1%

Dividend growing fast (12.1% YoY)

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