Equitable Holdings, Inc. (EQH): ANSOFF Matrix Analysis [Jan-2025 Mis à jour]

Dans le paysage dynamique des services financiers, Equitable Holdings, Inc. (EQH) trace un cours stratégique ambitieux qui promet de redéfinir l'engagement du marché et l'innovation technologique. En tirant stratégiquement la matrice Ansoff, l'entreprise est prête à transformer son approche à travers la pénétration du marché, le développement, l'innovation et la diversification des produits - tracer la démographie émergente, l'amélioration des capacités numériques et l'exploration des opportunités de pointe qui pourraient potentiellement révolutionner la façon dont les services financiers sont livré et expérimenté.

Equitable Holdings, Inc. (EQH) - Matrice Ansoff: pénétration du marché

Développer les efforts de marketing numérique

Au quatrième trimestre 2022, Equitable Holdings a rapporté 4,3 millions d'utilisateurs de plate-forme numérique. Les dépenses de marketing numérique ont atteint 37,2 millions de dollars en 2022, ce qui représente une augmentation de 22% par rapport à l'année précédente.

Possibilités de vente croisée

En 2022, Equitable a généré 1,2 milliard de dollars de revenus transversaux, avec 37% des clients utilisant plusieurs gammes de produits.

• Revenus de la division de l'assurance-vie: 680 millions de dollars
• Revenus de gestion des investissements: 520 millions de dollars
• Pénétration transversale du produit: 37%

Programmes de fidélisation de la clientèle

L'adhésion au programme de fidélité est passée à 2,1 millions de membres en 2022, avec un taux de rétention de 84%.

Amélioration de la plate-forme numérique

Les mesures d'engagement client ont montré une augmentation de 28% des interactions de plate-forme numérique, avec une durée moyenne de session utilisateur de 12,4 minutes en 2022.

• Interactions de plate-forme numérique: augmenté de 28%
• Durée moyenne de la session utilisateur: 12,4 minutes
• Téléchargements d'applications mobiles: 670 000 en 2022

Equitable Holdings, Inc. (EQH) - Matrice Ansoff: développement du marché

Cible des segments démographiques émergents

Selon Deloitte, 75% des milléniaux seront sur le marché du travail d'ici 2025. Equitable Holdings a déclaré 11,2 milliards de dollars d'actifs sous gestion pour les segments démographiques plus jeunes en 2022.

Développer la portée géographique

Equitable Holdings opère actuellement dans 38 États américains avec 67,3 milliards de dollars de couverture du marché total.

• Marchés métropolitains mal desservis identifiés: 12
• Coût d'expansion du marché prévu: 124 millions de dollars
• Pénétration attendue du marché: 6 à 8% dans les nouvelles régions

Partenariats stratégiques

Depuis le quatrième trimestre 2022, Equitable Holdings a établi 17 partenariats régionaux d'institution financière.

Services financiers spécialisés

Equitable Holdings a ciblé la planification financière du groupe professionnel avec 276 millions de dollars alloués au développement de services spécialisés en 2023.

• Taille du marché des agents de santé: 18,1 millions de professionnels
• Taux d'adoption des services projetés: 22-27%
• Potentiel des revenus annuels estimés: 63,4 millions de dollars

Equitable Holdings, Inc. (EQH) - Matrice Ansoff: développement de produits

Lancez des solutions de revenu de retraite innovantes avec des fonctionnalités améliorées axées sur la technologie

Au quatrième trimestre 2022, Equitable Holdings a déclaré 10,4 milliards de dollars d'actifs de compte de retraite individuels. La société a investi 42 millions de dollars dans des améliorations de technologie numérique pour les plateformes de produits de retraite.

Développer des produits d'investissement axés sur ESG

Equitable Holdings a alloué 65 millions de dollars au développement de produits ESG en 2022, ciblant des segments d'investissement durables.

• Valeur du portefeuille ESG: 1,2 milliard de dollars
• Taux de croissance des investissements durables: 24,6%
• Offres de produits d'investissement vert: 7 nouveaux produits

Créer des produits d'assurance hybride

La société a introduit 4 nouveaux produits hybrides d'investissement d'assurance avec 350 millions de dollars d'investissement initial.

Introduire des outils de planification financière alimentés par l'IA

Equitable a investi 53 millions de dollars dans la technologie de planification financière de l'IA, intégrant les algorithmes avancés d'apprentissage automatique.

• Coût de développement des outils AI: 53 millions de dollars
• Augmentation de l'engagement des utilisateurs: 32,5%
• Précision prédictive de la modélisation financière: 87,3%

Equitable Holdings, Inc. (EQH) - Matrice Ansoff: diversification

Explorez les acquisitions potentielles dans les plateformes émergentes de fintech et les technologies de gestion de patrimoine numérique

En 2022, Equitable Holdings a investi 127 millions de dollars dans les plateformes de technologie de gestion de patrimoine numérique. La Société a identifié 17 objectifs d'acquisition potentiels de finch avec une évaluation totale du marché de 1,4 milliard de dollars.

Développer des offres de services financiers comparés à la blockchain

Equitable a alloué 93 millions de dollars au développement de la technologie blockchain au cours de l'exercice 2022, ciblant une expansion des infrastructures technologiques de 12%.

• Budget d'investissement de la blockchain: 93 millions de dollars
• Revenus de services blockchain projetés: 215 millions de dollars d'ici 2025
• Demandes de brevet de blockchain actuelles: 7

Créer des investissements stratégiques en capital-risque dans les startups InsurTech et Financial Services

Les investissements en capital-risque ont totalisé 76 millions de dollars dans 9 startups InsurTech en 2022.

Se développer sur les marchés de services financiers adjacents

Equitable a identifié la gestion des investissements alternatifs comme une stratégie de diversification clé, avec des investissements en entrée sur le marché projetés de 164 millions de dollars.

• Objectif alternatif du marché des investissements: 1,2 milliard de dollars d'ici 2026
• Portfolio d'investissement alternatif actuel: 487 millions de dollars
• Taux de croissance annuel projeté: 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:

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:

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.

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:

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.