Will Equitable Holdings' (EQH) Segment Reorganization Clarify Its Long-Term Business Strategy?

• Equitable Holdings recently announced changes to its segment reporting structure following the completion of a transaction with RGA Reinsurance Company on July 31, 2025, combining Individual and Group Retirement into a single Retirement segment and moving legacy and life insurance business to Corporate and Other.
• This reorganization aims to align reported segments more closely with operational decision-making, with recast historical data provided, but does not alter previously reported consolidated financial statements.
• We'll explore what these segment reporting changes mean for Equitable Holdings' investment narrative and long-term business clarity.

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Equitable Holdings Investment Narrative Recap

To be an Equitable Holdings shareholder, you need to believe in the company's ability to capitalize on demographic-driven demand for retirement and annuity solutions while successfully innovating in a fiercely competitive industry. The recent segment reporting overhaul, prompted by the RGA transaction, offers clearer business visibility but does not materially alter the short-term catalyst of sustained sales and inflows in core retirement and asset management businesses or the biggest risk of margin pressure from the runoff of higher-margin legacy products. Among recent announcements, the September launch of Structured Capital Strategies Premier, a new indexed annuity, stands out as most relevant. This product exemplifies Equitable's commitment to product innovation as a response to shifting portfolio mix and rising competition, supporting the underlying catalyst of appealing to evolving client preferences and countering risks of earnings drag as legacy businesses run off. On the other hand, investors should be aware that as competition heats up and legacy profits recede, the potential impact on net margins and earnings...

Read the full narrative on Equitable Holdings (it's free!)

Equitable Holdings' outlook anticipates $18.3 billion in revenue and $2.3 billion in earnings by 2028. Achieving this would require a 9.5% annual revenue growth rate and an increase in earnings of approximately $1.87 billion from $429.0 million today.

Uncover how Equitable Holdings' forecasts yield a $65.27 fair value, a 34% upside to its current price.

Exploring Other Perspectives

Simply Wall St Community fair value estimates for Equitable Holdings span from US$3.53 to US$65.27, based on 2 independent analyses. With multiple perspectives on equilibrium value, keep in mind that ongoing innovation in retirement solutions remains a key catalyst for the company's growth potential.

Explore 2 other fair value estimates on Equitable Holdings - why the stock might be worth as much as 34% more than the current price!

Build Your Own Equitable Holdings Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Equitable Holdings research is our analysis highlighting 2 key rewards and 2 important warning signs that could impact your investment decision.
• Our free Equitable Holdings research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Equitable Holdings' overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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