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Análisis de la Matriz ANSOFF de Equitable Holdings, Inc. (EQH) [Actualizado en enero de 2025] |
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Equitable Holdings, Inc. (EQH) Bundle
En el panorama dinámico de los servicios financieros, Equitable Holdings, Inc. (EQH) está trazando un curso estratégico ambicioso que promete redefinir la participación del mercado y la innovación tecnológica. Al aprovechar estratégicamente la matriz de Ansoff, la compañía está preparada para transformar su enfoque en la penetración del mercado, el desarrollo, la innovación de productos y la diversificación, dirigiendo la demografía emergente, mejorar las capacidades digitales y explorar las oportunidades de fincas de vanguardia que podrían revolucionar la forma en que los servicios financieros están entregado y experimentado.
Equitable Holdings, Inc. (EQH) - Ansoff Matrix: Penetración del mercado
Expandir los esfuerzos de marketing digital
En el cuarto trimestre de 2022, Equitable Holdings reportó 4.3 millones de usuarios de plataformas digitales. El gasto en marketing digital alcanzó $ 37.2 millones en 2022, lo que representa un aumento del 22% respecto al año anterior.
| Métrica de marketing digital | Rendimiento 2022 |
|---|---|
| Usuarios de plataforma digital | 4.3 millones |
| Inversión de marketing digital | $ 37.2 millones |
| Crecimiento digital año tras año | 22% |
Oportunidades de venta cruzada
En 2022, Equitable generó $ 1.2 mil millones en ingresos interdivisionales, con El 37% de los clientes que utilizan múltiples líneas de productos.
- Ingresos de la división de seguros de vida: $ 680 millones
- Ingresos de gestión de inversiones: $ 520 millones
- Penetración de productos interdivisional: 37%
Programas de fidelización de clientes
La membresía del programa de fidelización aumentó a 2.1 millones de miembros en 2022, con una tasa de retención del 84%.
| Métrica del programa de fidelización | Datos 2022 |
|---|---|
| Miembros de lealtad total | 2.1 millones |
| Tasa de retención de clientes | 84% |
Mejora de la plataforma digital
Las métricas de participación del cliente mostraron un aumento del 28% en las interacciones de la plataforma digital, con una duración promedio de la sesión del usuario de 12.4 minutos en 2022.
- Interacciones de la plataforma digital: aumentó en un 28%
- Duración promedio de la sesión del usuario: 12.4 minutos
- Descargas de aplicaciones móviles: 670,000 en 2022
Equitable Holdings, Inc. (EQH) - Ansoff Matrix: Desarrollo del mercado
Segmentos demográficos emergentes objetivo
Según Deloitte, el 75% de los Millennials estarán en la fuerza laboral para 2025. Equitable Holdings reportó $ 11.2 mil millones en activos bajo administración para segmentos demográficos más jóvenes en 2022.
| Segmento demográfico | Penetración del mercado | Ingresos potenciales |
|---|---|---|
| Millennials | 42% | $ 4.7 mil millones |
| Gen Z | 23% | $ 2.3 mil millones |
Expandir el alcance geográfico
Equitable Holdings actualmente opera en 38 estados de EE. UU. Con $ 67.3 mil millones en cobertura total del mercado.
- Mercados metropolitanos desatendidos identificados: 12
- Costo de expansión del mercado proyectado: $ 124 millones
- Penetración de mercado esperada: 6-8% en nuevas regiones
Asociaciones estratégicas
A partir del cuarto trimestre de 2022, Equitable Holdings estableció 17 asociaciones regionales de instituciones financieras.
| Tipo de asociación | Número de asociaciones | Alcance potencial del cliente |
|---|---|---|
| Bancos regionales | 12 | 1.4 millones de clientes |
| Coeficientes de crédito | 5 | 480,000 clientes |
Servicios financieros especializados
Equitable Holdings dirigió a la planificación financiera del grupo profesional con $ 276 millones asignados para el desarrollo de servicios especializados en 2023.
- Tamaño del mercado de trabajadores de la salud: 18.1 millones de profesionales
- Tasa de adopción del servicio proyectado: 22-27%
- Potencial de ingresos anual estimado: $ 63.4 millones
Equitable Holdings, Inc. (EQH) - Ansoff Matrix: Desarrollo de productos
Lanzar soluciones innovadoras de ingresos de jubilación con características mejoradas basadas en tecnología
En el cuarto trimestre de 2022, Equitable Holdings reportó $ 10.4 mil millones en activos de la cuenta de jubilación individual. La compañía invirtió $ 42 millones en actualizaciones de tecnología digital para plataformas de productos de jubilación.
| Categoría de productos | Monto de la inversión | Tasa de adopción de usuarios |
|---|---|---|
| Soluciones de jubilación digital | $ 42 millones | 17.3% |
| Plataformas de jubilación avanzadas | $ 28.6 millones | 12.7% |
Desarrollar productos de inversión centrados en ESG
Equitable Holdings asignó $ 65 millones para el desarrollo de productos ESG en 2022, dirigidos a segmentos de inversión sostenible.
- Valor de la cartera de ESG: $ 1.2 mil millones
- Tasa de crecimiento de la inversión sostenible: 24.6%
- Ofertas de productos de inversión verde: 7 nuevos productos
Crear productos de inversión de seguro híbrido
La compañía introdujo 4 nuevos productos de inversión de seguro híbrido con una inversión inicial de $ 350 millones.
| Tipo de producto | Volumen premium | Cuota de mercado |
|---|---|---|
| Productos híbridos a término flexible | $ 215 millones | 8.9% |
| Productos híbridos de gestión digital | $ 135 millones | 6.4% |
Introducir herramientas de planificación financiera con IA
Equitable invirtió $ 53 millones en tecnología de planificación financiera de IA, integrando algoritmos avanzados de aprendizaje automático.
- Costo de desarrollo de herramientas de IA: $ 53 millones
- Aumento de la participación del usuario: 32.5%
- Precisión de modelado financiero predictivo: 87.3%
Equitable Holdings, Inc. (EQH) - Ansoff Matrix: Diversificación
Explore posibles adquisiciones en plataformas FinTech emergentes y tecnologías de gestión de patrimonio digital
En 2022, Equitable Holdings invirtió $ 127 millones en plataformas de tecnología de gestión de patrimonio digital. La Compañía identificó 17 objetivos potenciales de adquisición de FinTech con una valoración total del mercado de $ 1.4 mil millones.
| Plataforma tecnológica | Monto de la inversión | Cuota de mercado potencial |
|---|---|---|
| Soluciones robo-advisores | $ 42 millones | 6.3% |
| Plataformas financieras blockchain | $ 35 millones | 4.7% |
| Gestión de patrimonio impulsada por IA | $ 50 millones | 5.9% |
Desarrollar ofertas de servicios financieros habilitados para blockchain
Equitable asignó $ 93 millones para el desarrollo de la tecnología Blockchain en el año fiscal 2022, dirigido al 12% de la expansión de la infraestructura tecnológica.
- Presupuesto de inversión de blockchain: $ 93 millones
- Ingresos de servicio de blockchain proyectados: $ 215 millones para 2025
- Aplicaciones actuales de patentes de blockchain: 7
Crear inversiones estratégicas de capital de riesgo en nuevas empresas de servicios financieros y de InsurTech
Las inversiones de capital de riesgo totalizaron $ 76 millones en 9 nuevas empresas Insurtech en 2022.
| Categoría de inicio | Inversión | Estaca de renta variable |
|---|---|---|
| Plataformas de seguro digital | $ 32 millones | 14.5% |
| Startups de análisis de riesgos | $ 22 millones | 11.3% |
| Tecnología de procesamiento de reclamos | $ 22 millones | 12.7% |
Expandirse a los mercados de servicios financieros adyacentes
Equitable identificó la gestión de inversiones alternativas como una estrategia de diversificación clave, con una inversión proyectada de entrada al mercado de $ 164 millones.
- Objetivo de mercado de inversión alternativa: $ 1.2 mil millones para 2026
- Cartera de inversión alternativa actual: $ 487 millones
- Tasa de crecimiento anual proyectada: 9.4%
Equitable Holdings, Inc. (EQH) - Ansoff Matrix: Market Penetration
The focus here is on increasing sales within Equitable Holdings, Inc. (EQH)'s existing markets using current product offerings, which is the Market Penetration strategy.
The Wealth Management segment achieved advisory net inflows of $2.2 billion in the third quarter of 2025. Equitable Advisors, which is part of this segment, already has more than 4,500 financial professionals across the U.S. and over $110 billion in assets under administration as of the announcement regarding the Stifel acquisition.
The Retirement segment delivered net inflows of $1.1 billion for the third quarter of 2025. This was supported by first year premiums reaching $5.5 billion in the same period, marking a 3% increase over the prior year quarter.
The following table summarizes key Q3 2025 segment performance metrics relevant to market penetration efforts:
| Metric | Segment | Q3 2025 Amount |
| Advisory Net Inflows | Wealth Management | $2.2 billion |
| Net Inflows | Retirement | $1.1 billion |
| First Year Premiums | Retirement | $5.5 billion |
| Total Assets Under Administration/Management (AUM/A) | Consolidated | $1.1 trillion |
Strategic actions for Market Penetration involve specific execution points:
- Increase advisory net inflows past the Q3 2025 $2.2 billion by cross-selling.
- Drive Individual Retirement net inflows above the Q3 2025 $1.1 billion through advisor incentives.
- Fully integrate Stifel Independent Advisors, adding their c.$9 billion AUM to Equitable Advisors.
- Target higher sales of existing variable annuities to affluent and high net worth clients.
- Boost Group Retirement net inflows in institutional channels, where they saw positive flows.
The acquisition of Stifel Independent Advisors, which has more than 110 independent advisors managing approximately $9 billion in client assets, is expected to close in the first quarter of 2026. This move is intended to complement the organic growth strategy in Wealth Management, which showed a 12% annualized organic growth rate on a trailing twelve-month basis.
For the broader Retirement business, the total account value increased by 20% over the prior twelve months ending Q4 2024, driven by positive market performance and net inflows. While specific Q3 2025 Group Retirement net inflows are not isolated, the overall Retirement segment saw $1.1 billion in net inflows.
Equitable Holdings, Inc. (EQH) - Ansoff Matrix: Market Development
You're looking at how Equitable Holdings, Inc. (EQH) plans to grow by taking its existing products and services into new markets. This is Market Development in action, and the numbers show where the focus is right now.
Expand AllianceBernstein's (AB) global distribution network into new Asian or European institutional markets.
Equitable Holdings is actively supporting AllianceBernstein's (AB) push into long-duration capital pools, which is key for global institutional reach. To date, Equitable has deployed approximately $17 billion of its committed capital into AB private market strategies. AB is targeting $90 billion to $100 billion in Private Markets Assets Under Management (AUM) by 2027, up from $70 billion in 2024. The firm noted thematic products like security of the future have seen traction in large European high-net-worth segments. Performance-related fees from institutional services, both public and private, totaled approximately $20 million in the third quarter of 2025.
Introduce core US retirement products to underserved US regional markets with low advisor density.
While specific advisor density data for underserved regions isn't public, Equitable Advisors has a national footprint. As of the second quarter of 2025, Equitable Advisors, LLC has 4,500 duly registered and licensed financial professionals serving clients across the country. The company serves more than 5 million client relationships globally as of September 30, 2025. The focus on growing the retirement business, which saw net inflows of $1.1 billion in the third quarter of 2025, supports this market expansion effort.
Leverage the $2 billion of freed capital to acquire a regional US wealth management firm outside the Northeast.
Following a major Individual Life reinsurance transaction with RGA expected to close in mid-2025, over $2 billion of capital was freed. Another deal with Venerable released nearly $2 billion in excess capital ahead of the third-quarter 2025 earnings announcement. In the third quarter of 2025, $1.5 billion of capital was allocated to drive shareholder value and growth, with approximately $200 million specifically invested to accelerate growth in Asset and Wealth Management. A concrete example of this strategy is the announced acquisition of Stifel Independent Advisors, which includes over 110 independent financial advisors managing approximately $9 billion in client assets, with the closing expected in early 2026.
Target smaller, non-profit educational entities for Group Retirement, a key existing channel.
Equitable is targeting smaller entities with its new Pooled Employer Plan (PEP) offering, Equitable Retirement Access. The specific aim for this PEP is the '$0-$50M assets under management space for corporate and not for profit entities'. This directly addresses smaller organizations that often lack the resources for independent plans. In the full year 2024, Group Retirement (GR) reported institutional premiums of $692 million. The segment showed a positive shift in the second quarter of 2025, reporting net inflows of $217 million.
Market existing Group Retirement products to small-to-medium corporate businesses across the US.
Small businesses are a massive, yet partially underserved, market. Industry data indicates that small businesses represent 99.9% of all U.S. businesses, employing nearly 59 million people. A study commissioned by Equitable found that over 40% of small businesses still do not offer retirement plans due to costs and administration. The launch of the PEP aims to provide a cost-efficient solution, especially for employers with more than 100 participants. In the fourth quarter of 2024, the corporate channel within Group Retirement experienced outflows that offset tax-exempt net inflows of $77 million.
Here's a quick look at the financial context supporting these market development moves:
| Metric | Value/Amount | Date/Period |
| Freed Capital from Life Reinsurance | Over $2 billion | Expected close mid-2025 |
| Capital Allocated for Growth (Q3 2025) | $1.5 billion | Q3 2025 |
| Acquisition Investment (Stifel Advisors) | $9 billion in client assets | Expected close early 2026 |
| AB Private Markets AUM Target (2027E) | $90 billion to $100 billion | 2027 Estimate |
| Group Retirement Target AUM Space (PEP) | $0-$50 million | Target segment for PEP |
| Small Business Share of US Businesses | 99.9% | Current US Economy |
You should review the expected impact of the $1.8 billion tender offer for AllianceBernstein Holding units on the overall capital structure, as this was a planned use of the freed capital. Also, note that the Group Retirement segment saw net outflows in the corporate channel in Q4 2024, which the PEP strategy is designed to counteract.
- Targeting small businesses: 59 million people employed.
- Retirement net inflows: $1.1 billion in Q3 2025.
- Equitable Advisors professionals: 4,500 as of Q2 2025.
- AB Private Markets AUM deployed: $17 billion to date.
- Small businesses without plans: Over 40%.
Finance: draft 13-week cash view by Friday.
Equitable Holdings, Inc. (EQH) - Ansoff Matrix: Product Development
Launch new Structured Capital Strategies® Premier variations to capture more indexed annuity sales.
- Structured Capital Strategies® Premier launched in September 2025.
- This registered index-linked annuity features 120 investment options.
- Total US indexed annuity sales reached a record $52 billion in Q2 2025.
- Equitable Financial recorded $3,771,318,000 in sales in Q2 2025.
- This represented a 7% quarter-over-quarter change for Equitable Financial.
Develop new private credit and alternative investment funds under AB to grow AUM past $1.1 trillion.
Equitable Holdings reported total Assets Under Management and Administration (AUM/A) of $1.1 trillion as of June 30, 2025. The firm's Private Markets AUM grew to $80 billion year-to-date in 2025 from $56 billion in 2022. The target for Private Markets AUM is $90-100 billion by 2027. The alternative investment portfolio delivered an 8% annualized return in Q3 2025.
| Metric | Value (As of Q3 2025 or Latest) | Context/Period |
| Total AUM/A | $1.1 trillion | As of September 30, 2025 |
| Private Markets AUM | $80 billion | Year-to-date 2025 |
| Wealth Management Advisory Net Inflows | $2.2 billion | Q3 2025 |
| Retirement Net Inflows | $1.1 billion | Q3 2025 |
| 2027 Annual Cash Generation Target | $2 billion | Overall Company Target |
Introduce a new suite of digital-first financial planning tools for Equitable Advisors clients.
Equitable Advisors, LLC has 4,500 duly registered and licensed financial professionals. Wealth Management saw advisory net inflows of $2.2 billion in Q3 2025. This segment achieved a 12% annualized organic growth rate for advisory net inflows.
Create next-generation variable universal life (VUL) products with enhanced digital features.
The Protection Solutions segment delivers life, term, and supplemental insurance. The company closed the Individual Life reinsurance transaction on July 31, 2025, reducing mortality exposure by 75%.
Design a new guaranteed income benefit rider for annuities, appealing to near-retirees.
- Rising plan sponsor interest in guaranteed income is a noted factor.
- The Retirement segment reported net inflows of $1.1 billion in Q3 2025.
- This represented a 3% annualized organic growth rate for the Retirement segment.
Equitable Holdings, Inc. (EQH) - Ansoff Matrix: Diversification
You're looking at how Equitable Holdings, Inc. (EQH) moves into entirely new markets or product lines, which is the riskiest part of the Ansoff Matrix. This strategy involves significant capital deployment and market entry efforts.
One major move supporting a shift in focus was establishing a dedicated reinsurance unit structure by managing third-party risk through the RGA transaction expertise. Equitable Holdings, Inc. closed the agreement with RGA Reinsurance Company on July 31, 2025. This transaction reinsured 75% of the Company's in-force individual life insurance block on a pro-rata basis. The block reinsured included approximately $18 billion of general account reserves and $14 billion of separate account reserves, totaling $32 billion of life insurance products. This action generated more than $2 billion of value for Equitable Holdings, Inc.
The financial impact of this risk transfer is quantifiable in the 2025 results. For the third quarter of 2025, Equitable Holdings, Inc. reported a net loss attributable to Holdings of $(1.3) billion, primarily driven by a one-time impact from this life reinsurance transaction. However, Non-GAAP operating earnings, adjusting for notable items, were $510 million, or $1.67 per share for Q3 2025. The transaction is expected to contribute approximately $70 million of adjusted operating income before taxes in 2025, based on an assumed mid-year effective date. RGA expects this contribution to increase to $160 - $170 million in 2026, growing to approximately $200 million per annum over time.
The diversification into new advisory services is evidenced by the announced acquisition of Stifel Independent Advisors, LLC on October 27, 2025, with an expected close in the first quarter of 2026. This move bolsters the Wealth Management business, which reported advisory net inflows of $2.2 billion in the third quarter of 2025, bringing total assets under administration to $118 billion. Equitable Advisors, LLC has 4,446 duly registered and licensed financial professionals as of the third quarter of 2025.
Developing a new line of products, which is a form of product diversification, is seen in the indexed annuity space. Equitable Holdings, Inc. launched the Structured Capital Strategies Premier, a new indexed annuity, in September 2025. The Individual Retirement segment, which houses these products, reported first-year premiums of $5.5 billion in the third quarter of 2025.
Here's a quick look at the scale of the core businesses following these strategic shifts:
| Metric | Value (As of 9/30/2025) | Value (As of 6/30/2025) |
| Total Assets Under Management and Administration (AUM/A) | $1.1 trillion | $1 trillion |
| Individual Retirement First Year Premiums | $5.5 billion (Q3 2025) | $4.8 billion (Q2 2025) |
| Wealth Management Total Assets Under Administration | $118 billion (Q3 2025) | Not specified |
| Book Value per Common Share (Excluding AOCI) | $18.23 | $24.37 |
The diversification strategy is also supported by capital redeployment plans:
- Equitable Holdings, Inc. returned $318 million to shareholders in the second quarter of 2025.
- This included $82 million of quarterly cash dividends.
- The Company plans to take $1.7 billion of dividends from its insurance subsidiaries to Holdings in the second half of 2025.
- This planned dividend includes $1.0 billion from the individual life reinsurance transaction proceeds.
- Equitable Holdings, Inc. maintained a combined NAIC RBC ratio greater than 500% pro-forma for the life reinsurance transaction.
- The Company reported cash and liquid assets of $0.8 billion at Holdings as of quarter end June 30, 2025.
The move to increase ownership in AllianceBernstein through a tender offer was also announced, intending to purchase up to $1.8 billion of units. Also, Equitable Holdings, Inc. planned to execute $500 million of incremental share repurchases following the close of the RGA transaction.
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