Equitable Holdings

EQH

Insurance - Diversified · Financial Services

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Mixed

Growth

Weak

Cash Flow

Mixed

Stability

Data not available

Valuation

Data not available

Dividends

Strong

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Winston Score History

The full picture

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.

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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

-29.8% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-38.0% YoY

YoY Growth Rate

Earnings declining

Insider Activity

0.6%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$411.9B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

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

Revenue declining

Equitable Holdings's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

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

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

74.7%

Premium pricing power — 74.7% gross margin

Profit after running costs

Operating Margin

-29.7%

Losing money on operations — -29.7%

Return on the money invested

ROCE

-16.1%

Weak — -16.1% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales growth

Sales YoY

-17.5%

Shrinking sales (-17.5% YoY)

Profit growth

EPS YoY

-353.5%

Earnings shrinking (-353.5% YoY)

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

How steady the profit is

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

12.8%

Converts sales into free cash efficiently (12.8%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

N/A

Data not available

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

2.36%

Moderate income — 2.36% yield

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

Dividend record

Dividend Growth

+11.8%

Dividend growing fast (11.8% YoY)

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