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Form 8-K

sec.gov

8-K — Equitable Holdings, Inc.

Accession: 0001333986-26-000020

Filed: 2026-05-04

Period: 2026-05-04

CIK: 0001333986

SIC: 6411 (INSURANCE AGENTS BROKERS & SERVICES)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — axaeq-20260504.htm (Primary)

EX-99.1 (eqh1q2026earningsrelease.htm)

EX-99.2 (eqh1q2026qfsdocument.htm)

GRAPHIC (axaeq-20260504_g1.jpg)

GRAPHIC (coverpage.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: axaeq-20260504.htm · Sequence: 1

axaeq-20260504

0001333986false00013339862026-05-042026-05-040001333986exch:XNYSus-gaap:CommonClassAMember2026-05-042026-05-040001333986exch:XNYSus-gaap:SeriesAPreferredStockMember2026-05-042026-05-040001333986exch:XNYSus-gaap:SeriesCPreferredStockMember2026-05-042026-05-04

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 4, 2026

Equitable Holdings, Inc.

(Exact name of registrant as specified in its charter)

Delaware 001-38469 90-0226248

(State or other jurisdiction of (Commission File Number) (I.R.S. Employer

incorporation or organization) Identification No.)

1345 Avenue of the Americas, New York, New York                     10105

(Address of principal executive offices) (Zip Code)

(212) 554-1234

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol Name of Exchange on which registered

Common Stock EQH New York Stock Exchange

Depositary Shares, each representing a 1/1,000th interest in a share of Fixed Rate Noncumulative Perpetual Preferred Stock, Series A EQH PR A New York Stock Exchange

Depositary Shares, each representing a 1/1,000th interest in a share of Fixed Rate Noncumulative Perpetual Preferred Stock, Series C EQH PR C New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02    Results of Operations and Financial Condition.

On May 4, 2026, Equitable Holdings, Inc. (“EQH”) issued a press release announcing its financial results for the quarter ended March 31, 2026. A copy of the press release containing this information is furnished as Exhibit 99.1 hereto and is incorporated herein by reference. In addition, more detailed financial information may be found in EQH’s Financial Supplement for the quarter ended March 31, 2026. A copy of the Financial Supplement for the quarter ended March 31, 2026 is furnished as Exhibit 99.2 hereto and is incorporated herein by reference.

As provided in General Instruction B.2 of Form 8-K, the information and exhibits provided pursuant to this Item 2.02 shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, nor shall they be deemed to be incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 7.01    Regulation FD Disclosure.

In connection with its earnings call for the quarter ended March 31, 2026, EQH has prepared a presentation for use with investors and other members of the investment community, which will be accessible via EQH’s investor relations website at https://ir.equitableholdings.com at 4:15 p.m. ET on Tuesday, May 4, 2026.

As provided in General Instruction B.2 of Form 8-K, the information provided pursuant to this Item 7.01 shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section, nor shall it be deemed to be incorporated by reference in any filing under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01    Financial Statements and Exhibits.

(d) Exhibits

Exhibit No. Description of Exhibit

99.1

Press release of Equitable Holdings, Inc., dated May 4, 2026 (furnished and not filed)

99.2

Financial Supplement for the quarter ended March 31, 2026 (furnished and not filed)

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

EQUITABLE HOLDINGS, INC.

Date: May 4, 2026

By:

/s/ William Eckert

Name:

William Eckert

Title:

Chief Accounting Officer

(Principal Accounting Officer)

EX-99.1

EX-99.1

Filename: eqh1q2026earningsrelease.htm · Sequence: 2

Document

EQUITABLE HOLDINGS REPORTS FIRST QUARTER 2026 RESULTS

_______________________________________

•Net income of $621 million, or $2.14 per share

•Non-GAAP operating earnings1 of $472 million, or $1.62 per share; Adjusting for notable items2, Non-GAAP operating earnings of $491 million, or $1.68 per share

•Net inflows of $1.3 billion in Retirement and $2.0 billion in Wealth Management; net outflows of $7.1 billion in Asset Management

•Returned $223 million to shareholders in the first quarter and remain committed to the 60-70% payout ratio target for 2026

•On March 26th, announced an all-stock merger with Corebridge Financial to create a leading diversified financial institution with superior scale, distribution access and product breadth, which will accelerate our growth strategy and better position us to win with customers

_______________________________________

New York, NY, May 4, 2026 — Equitable Holdings, Inc. (“Equitable Holdings”, “Holdings”, or the “Company”) (NYSE: EQH) today announced financial results for the first quarter ended March 31, 2026.

“We reported solid first quarter results with Non-GAAP operating earnings per share of $1.62, or $1.68 excluding notable items, up 25% from the prior year quarter. Within our businesses, we continued to see healthy organic growth momentum, highlighted by $1.3 billion of net inflows in Retirement and $2.0 billion of advisory net inflows in Wealth Management. Looking forward, we remain confident in achieving our 2026 guidance of $1.8 billion of cash generation and over 15% growth in earnings per share,” said Mark Pearson, President and Chief Executive Officer.

Mr. Pearson concluded, “I am incredibly excited about the announced merger with Corebridge, which will create a diversified financial services company with leading positions across retirement, life insurance, asset management, and wealth management and accelerate our growth strategy. The transaction will be immediately accretive to earnings per share and cash generation, and we project at least 10% accretion on a run-rate basis by year-end 2028. By leveraging the complementary strengths of Equitable and Corebridge, the combined company will have the scale, product breadth, and distribution platform to deliver superior value to both our customers and shareholders.”

1 This press release includes certain Non-GAAP financial measures. More information on these measures and reconciliations to the most comparable U.S. GAAP measures can be found in the “Use of Non-GAAP Financial Measures” section of this release.

2 Please refer to Exhibit 1 for a detailed reconciliation and definitions related to notable items.

1

Consolidated Results

First Quarter

(in millions, except per share amounts or unless otherwise noted) 2026 2025

Total Assets Under Management/Administration (“AUM/A”, in billions) $ 1,094  $ 1,006

Net income (loss) attributable to Holdings 621  63

Net income (loss) attributable to Holdings per common share 2.14  0.16

Non-GAAP operating earnings 472  421

Non-GAAP operating earnings per common share (“EPS”) 1.62  1.30

As of March 31, 2026, total AUM/A was $1.1 trillion, a year-over-year increase of 9%, driven by positive net flows and higher markets over the prior twelve months.

Net income (loss) attributable to Holdings for the first quarter of 2026 was $621 million compared to $63 million in the first quarter of 2025.

Non-GAAP operating earnings in the first quarter of 2026 were $472 million compared to $421 million in the first quarter of 2025. Adjusting for notable items3 of $19 million, first quarter 2026 Non-GAAP operating earnings were $491 million or $1.68 per share.

As of March 31, 2026, book value per common share including accumulated other comprehensive income (“AOCI”) was $(2.83). Book value per common share excluding AOCI was $19.56. Both of these measures reflect the Company’s 68% ownership stake in AllianceBernstein (“AB”) at book value. Book value per common share excluding AOCI but with AB reflected at fair market value was $34.70.

3 Please refer to Exhibit 1 for detailed reconciliation and definitions related to notable items.

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Business Highlights

•First quarter 2026 business segment highlights:

◦Retirement reported net inflows of $1.3 billion and first year premiums of $6.0 billion were up 10% over the prior year.

◦Asset Management (AllianceBernstein or “AB”)4 reported net outflows of $7.1 billion, primarily driven by active equities. The institutional pipeline increased to a record $27.5 billion as of quarter end.

◦Wealth Management (“WM”) reported advisory net inflows of $2.0 billion, with total assets under administration reaching $131 billion.

•Capital management program:

◦The Company returned $223 million to shareholders in the first quarter, including $76 million quarterly cash dividends and $147 million of share repurchases. The Company remains committed to its 60-70% payout ratio target for 2026.

◦The Company reported cash and liquid assets of $1.2 billion at Holdings5 as of quarter end, which remains above the $500 million minimum target. The combined NAIC RBC ratio was approximately 475% at year end, above the Company’s target of 400%.

•Delivering shareholder value:

◦The Company has completed the deployment of its $20 billion capital committed to AB. This supports growth in AB’s Private Markets business, which had $85 billion of assets under management as of quarter end.

◦During the first quarter, the Company closed on the acquisition of Stifel Independent Advisors, adding over $9 billion of client assets.

◦On March 26th, the Company announced an agreement to combine with Corebridge Financial in an all-stock merger, creating an industry-leading Retirement, Wealth and Asset Management company. The merger is expected to close by year-end 2026, subject to a shareholder vote and regulatory approvals. The transaction is expected to be immediately accretive to earnings per share and cash generation with 10%+ accretion on a run rate basis by year-end 2028.

4 Refers to AllianceBernstein L.P. and AllianceBernstein Holding L.P., collectively.

5 Excludes c. $195 million of cash at Holdings which is available to AllianceBernstein through its credit facility with Equitable Holdings.

3

Business Segment Results

Retirement

(in millions, unless otherwise noted) Q1 2026 Q1 2025

Total Assets (in billions)6

$ 175.7  $ 154.6

Segment net flows (in billions) 1.3  1.6

Operating earnings (loss) 396  380

•Assets increased by 14%, driven by market performance and net inflows over the prior twelve months.

•First year premiums of $6.0 billion increased by 10% while net inflows of $1.3 billion were lower than the prior year quarter.

•Operating earnings of $396 million increased versus the prior year quarter, primarily due to higher fee-based revenue and a lower tax rate.

•Operating earnings adjusted for notable items7 increased from $385 million in the prior year quarter to $394 million. Notable items of $(2) million in the current period reflect lower net investment income from alternatives, offset by a favorable tax credit.

Asset Management

(in millions, unless otherwise noted) Q1 2026 Q1 2025

Total AUM (in billions) $ 838.6  $ 784.5

Segment net flows (in billions) (7.1) 2.4

Operating earnings (loss) 140  126

•AUM increased by 7% due to market performance over the prior twelve months.

•Net outflows were $7.1 billion in the quarter, including net outflows of $5.8 billion in Retail and $1.9 billion in Institutional, partially offset by net inflows of $0.6 billion in Private Wealth.

•Operating earnings increased from $126 million in the prior year quarter to $140 million, due to growth in base fees and a higher ownership percentage of AB.

6 Retirement assets includes account value (net of embedded derivatives), spread lending balances and reserves (excluding MRBs)

7 Please refer to Exhibit 1 for a detailed reconciliation and definitions related to notable items.

4

Wealth Management

(in millions, unless otherwise noted) Q1 2026 Q1 2025

Total AUA (in billions) $ 131.0  $ 102.1

Advisory net new assets (in billions)

2.0  2.0

Operating earnings (loss) 55  45

•AUA increased by 28% over the last twelve months due to market performance, net inflows and acquired assets from the Stifel transaction.

•Advisory net inflows were $2.0 billion in the quarter, supported by an 11% year-over-year increase in advisor productivity.

•Operating earnings increased from $45 million in the prior year quarter to $55 million, primarily due to growth in client assets and advisory fees.

Corporate and Other (“C&O”)

The operating loss of $119 million in the first quarter decreased from an operating loss of $130 million in the prior year quarter. After adjusting for notable items8, the operating loss was $98 million versus a loss of $122 million in the prior year quarter.

8 Please refer to Exhibit 1 for a detailed reconciliation and definitions related to notable items.

5

Exhibit 1: Notable Items

Notable items represent the impact on results from our annual actuarial assumption review, approximate impacts attributable to significant variances from the Company’s expectations, and other items that the Company believes may not be indicative of future performance. The Company chooses to highlight the impact of these items and give Non-GAAP measures less notable items to provide a better understanding of our results of operations in a given period. Certain figures may not sum due to rounding.

Impact of notable items by segment and Corporate & Other:

Three Months Ended March 31,

(in millions) 2026 2025

Non-GAAP Operating Earnings $ 472  $ 421

Post-tax adjustments related to notable items:

Retirement (2) 5

Asset Management —  —

Wealth Management —  —

Corporate & Other 21  8

Non-GAAP Operating Earnings, less Notable Items $ 491  $ 434

Impact of notable items by item category:

Three Months Ended March 31,

(in millions) 2026 2025

Non-GAAP Operating Earnings $ 472  $ 421

Post-tax adjustments related to notable Items:

Net investment income 32  13

Tax credit (13) —

Non-GAAP Operating Earnings, less Notable Items $ 491  $ 434

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Earnings Conference Call

Equitable Holdings will host a conference call at 9 a.m. ET on May 5, 2026 to discuss its first quarter 2026 results. The conference call webcast, along with additional earnings materials, will be accessible on the company’s investor relations website at ir.equitableholdings.com. Please log on to the webcast at least 15 minutes prior to the call to download and install any necessary software.

To register for the conference call, please use the following link:

EQH First Quarter 2026 Earnings Call

After registering, you will receive an email confirmation including dial in details and a unique conference call code for entry. Registration is open through the live call. To ensure you are connected for the full call we suggest registering a day in advance or at minimum 10 minutes before the start of the call.

A webcast replay will be made available on the Equitable Holdings Investor Relations website at ir.equitableholdings.com.

About Equitable Holdings

Equitable Holdings, Inc. (NYSE: EQH) is a leading financial services holding company comprised of complementary and well-established businesses, Equitable, AllianceBernstein and Equitable Advisors. Equitable Holdings has $1.1 trillion in assets under management and administration (as of 3/31/2026) and more than 5 million client relationships globally. Founded in 1859, Equitable provides retirement and protection strategies to individuals, families and small businesses. AllianceBernstein is a global investment management firm that offers diversified investment services to institutional investors, individuals and private wealth clients. Equitable Advisors, LLC (Equitable Financial Advisors in MI and TN) has approximately 4,600 duly registered and licensed financial professionals that provide financial planning, wealth management, retirement planning, protection and risk management services to clients across the country.

Contacts:

Investor Relations

Erik Bass

IR@equitable.com

Media Relations

Laura Yagerman

mediarelations@equitable.com

7

Note Regarding Forward-Looking Statements

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as “expects,” “believes,” “anticipates,” “forecasts,” “intends,” “seeks,” “aims,” “plans,” “assumes,” “estimates,” “projects,” “should,” “would,” “could,” “may,” “will,” “shall” or variations of such words are generally part of forward-looking statements. Forward-looking statements are made based on management’s current expectations and beliefs concerning future developments and their potential effects upon Equitable Holdings, Inc. (“Holdings”) and its consolidated subsidiaries. These forward-looking statements include, but are not limited to, statements regarding projections, estimates, forecasts and other financial and performance metrics and projections of market expectations. “We,” “us” and “our” refer to Holdings and its consolidated subsidiaries, unless the context refers only to Holdings as a corporate entity. There can be no assurance that future developments affecting Holdings will be those anticipated by management. Forward-looking statements include, without limitation, all matters that are not historical facts.

These forward-looking statements are not a guarantee of future performance and involve risks and uncertainties, and there are certain important factors that could cause actual results to differ, possibly materially, from expectations or estimates reflected in such forward-looking statements, including, among others: (i) the ability to complete the Proposed Transaction on the timeframe or in the terms currently anticipated or at all, including due to a failure to obtain requisite stockholder, stock exchange, regulatory, governmental or other approvals; (ii) risks related to difficulties, inabilities or delays in integrating the parties’ businesses; (iii) the ability to realize the anticipated benefits of the Proposed Transaction, including estimated run-rate expense synergies and projected cost savings at the time, and to the extent anticipated, as well as expected, operating earnings and cash flow generation; (iv) the occurrence of any event, change or other circumstance that could give rise to the right of either or both parties to terminate the merger agreement; (v) the potential impact of the announcement or consummation of the Proposed Transaction on Equitable or Corebridge’s stock price and on their respective business, contractual and operational relationships (including with regulatory bodies, employees, suppliers, clients and competitors); (vi) risk related to business disruptions from the Proposed Transaction that may harm the business or current plans and operations of either or both parties, including diversion of management time from ongoing business operations; (vii) the risk that the Proposed Transaction and the announcement thereof could have an adverse effect on the operations; (viii) the risk that the Proposed Transaction and the announcement thereof could have an adverse effect on the ability of either or both parties to hire and retain key personnel; (ix) the parties’ ability to raise debt on favorable terms or at all; (x) the outcome of any legal proceedings that may be instituted against Equitable, Corebridge, their new parent company or their respective directors; (xi) restrictions on the conduct of Equitable and Corebridge’s respective businesses prior to the closing of the Proposed Transaction and on each of their ability to pursue alternatives to the Proposed Transaction; (xii) the possibility that the Proposed Transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events, or unforeseen or unknown liabilities; (xiii) the potential impact of a downgrade in Equitable or Corebridge’s Insurer Financial Strength ratings or credit ratings or of the new parent company of Equitable and Corebridge following completion of the Proposed Transaction; (xiv) conditions in the financial markets and economy, including the impact of geopolitical conflicts, changes in tariffs and trade barriers, the impact on the Company of a continued shutdown of the U.S. government, and related economic conditions, equity market declines and volatility, interest rate fluctuations, impacts on our goodwill and changes in liquidity and access to and cost of capital; (xv) operational factors, including reliance on the payment of dividends to Holdings by its subsidiaries, protection of confidential customer information or proprietary business information, operational failures by us or our service providers, potential strategic transactions, changes in accounting standards, and catastrophic events, such as the outbreak of pandemic diseases; (xvi) credit, counterparties and investments, including counterparty default on derivative contracts, failure of financial institutions, defaults by third parties and affiliates and economic downturns, defaults and other events adversely affecting our investments; (xvii) our reinsurance and hedging programs; (xviii) our products, structure and product distribution, including variable annuity guaranteed benefits features within certain of our products, variations in statutory capital requirements, financial strength and claims-paying ratings,

8

state insurance laws limiting the ability of our insurance subsidiaries to pay dividends and key product distribution relationships; (xix) estimates, assumptions and valuations, including risk management policies and procedures, potential inadequacy of reserves and experience differing from pricing expectations, amortization of deferred acquisition costs and financial models; (xx) our Asset Management segment, including fluctuations in assets under management and the industry-wide shift from actively-managed investment services to passive services; (xxi) recruitment and retention of key employees and experienced and productive financial professionals; (xxii) subjectivity of the determination of the amount of allowances and impairments taken on our investments; (xxiii) legal and regulatory risks, including federal and state legislation affecting financial institutions, insurance regulation and tax reform; (xxiv) risks related to our common stock and (xxv) general risks, including strong industry competition, information systems failing or being compromised and protecting our intellectual property.

Forward-looking statements, including any financial guidance, should be read in conjunction with the other cautionary statements, risks, uncertainties and other factors identified in Holdings’ filings with the Securities and Exchange Commission. Further, any forward-looking statement speaks only as of the date on which it is made, and we undertake no obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, except as otherwise may be required by law.

Forward-looking Non-GAAP Metrics

The Company has presented forward-looking statements regarding Non-GAAP operating earnings, and Non-GAAP operating earnings per share. These non-GAAP financial measures are derived by excluding certain amounts, expenses or income, from the corresponding financial measures determined in accordance with GAAP. The determination of the amounts that are excluded from these non-GAAP financial measures is a matter of management judgment and depends upon, among other factors, the nature of the underlying expense or income amounts recognized in a given period. We are unable to present a quantitative reconciliation of forward-looking adjusted operating earnings per share and payout ratio targeted to non-GAAP operating earnings to their most directly comparable forward-looking GAAP financial measures because such information is not available, and management cannot reliably predict all of the necessary components of such GAAP measures without unreasonable effort or expense. In addition, we believe such reconciliations would imply a degree of precision that would be confusing or misleading to investors. The unavailable information could have a significant impact on the Company’s future financial results. These non-GAAP financial measures are preliminary estimates and are subject to risks and uncertainties, including, among others changes in connection with quarter-end and year-end adjustments. Any variations between the Company’s actual results and preliminary financial data set forth above may be material.

9

Use of Non-GAAP Financial Measures

In addition to our results presented in accordance with U.S. GAAP, we report Non-GAAP Operating Earnings, and Non-GAAP operating common EPS, each of which is a measure that is not determined in accordance with U.S. GAAP. Management principally uses these Non-GAAP financial measures in evaluating performance because they present a clearer picture of our operating performance and they allow management to allocate resources. Similarly, management believes that the use of these Non-GAAP financial measures, together with relevant U.S. GAAP measures, provide investors with a better understanding of our results of operations and the underlying profitability drivers and trends of our business. These Non-GAAP financial measures are intended to remove from our results of operations the impact of market changes (where there is a mismatch in the valuation of assets and liabilities) as well as certain other expenses which are not part of our underlying profitability drivers or likely to re-occur in the foreseeable future, as such items fluctuate from period-to-period in a manner inconsistent with these drivers. These measures should be considered supplementary to our results that are presented in accordance with U.S. GAAP and should not be viewed as a substitute for the U.S. GAAP measures. Other companies may use similarly titled Non-GAAP financial measures that are calculated differently from the way we calculate such measures. Consequently, our Non-GAAP financial measures may not be comparable to similar measures used by other companies.

We also discuss certain operating measures, including AUM, AUA, AV, policy reserves and certain other operating measures, which management believes provide useful information about our businesses and the operational factors underlying our financial performance.

10

Non-GAAP Operating Earnings

Non-GAAP Operating Earnings is an after-tax Non-GAAP financial measure used to evaluate our financial performance on a consolidated basis that is determined by making certain adjustments to our consolidated after-tax net income attributable to Holdings. The most significant of such adjustments relates to our derivative positions, which protect economic value and statutory capital, and the variable annuity product MRBs. This is a large source of volatility in net income.

Non-GAAP Operating Earnings equals our consolidated after-tax net income attributable to Holdings adjusted to eliminate the impact of the following items:

•Items related to variable annuity product features, which include: (i) changes in the fair value of MRB and purchased MRB, including the related attributed fees and claims, offset by derivatives and other securities used to hedge the MRB which result in residual net income volatility as the change in fair value of certain securities is reflected in OCI and due to our statutory capital hedge program; and (ii) market adjustments to deposit asset or liability accounts arising from reinsurance agreements which do not expose the reinsurer to a reasonable possibility of a significant loss from insurance risk;

•Investment (gains) losses, which includes credit loss impairments of securities/investments, sales or disposals of securities/investments, realized capital gains/losses and valuation allowances;

•Net actuarial (gains) losses, which includes actuarial gains and losses as a result of differences between actual and expected experience on pension plan assets or projected benefit obligation during a given period related to pension, other postretirement benefit obligations, and the one-time impact of the settlement of the defined benefit obligation;

•Other adjustments, which primarily include restructuring costs related to severance and separation, lease write-offs related to non-recurring restructuring activities, net derivative gains (losses) on certain Non-GMxB derivatives, net investment income from certain items including consolidated VIE investments, seed capital mark-to-market adjustments, unrealized gain/losses and realized capital gains/losses from sales or disposals of select securities, certain legal accruals; a bespoke deal to repurchase UL policies from one entity that had invested in numerous policies purchased in the life settlement market, which disposed of the risk of additional COI litigation by that entity related to those UL policies, impact of the annual actuarial assumption updates attributable to LFPB when the majority of the impact relates to the non-core business; and

•Income tax expense (benefit) related to the above items and non-recurring tax items, which includes the effect of uncertain tax positions for a given audit period and changes to the deferred tax valuation allowance.

In the third quarter of 2025, the Company updated its net investment income (“NII”) segment reporting to better align with our GAAP segments, as well as the reporting of our spread lending programs' income and expenses. Previously, direct and allocated segment NII were recorded based on assets tied to statutory asset tagging and net statutory liabilities for allocation. To better align with our GAAP segments, the Company changed the recording methodology for direct NII. It is now based on the book yields of assets tied to specific segments, considering general account values plus reserves, net of embedded derivatives. Indirect NII, which was previously allocated based on net statutory liabilities, is now allocated based on general account values and reserves, net of embedded derivatives. Additionally, revenues and expenses from our spread lending programs are now primarily recorded within the Retirement segment. Previously, spread lending revenues and expenses were recorded in Corporate and Other, with the excess of revenues over expenses allocated to the insurance segments based on net statutory liabilities. Prior periods have been revised to reflect these changes.

11

Because Non-GAAP Operating Earnings excludes the foregoing items that can be distortive or unpredictable, management believes that this measure enhances the understanding of the Company’s underlying drivers of profitability and trends in our business, thereby allowing management to make decisions that will positively impact our business.

We use the prevailing corporate federal income tax rate of 21% while taking into account any non-recurring differences for events recognized differently in our financial statements and federal income tax returns as well as partnership income taxed at lower rates when reconciling Net income (loss) attributable to Holdings to Non-GAAP Operating Earnings.

12

The table below presents a reconciliation of Net income (loss) attributable to Holdings to Non-GAAP Operating Earnings for the three months ended March 31, 2026 and 2025:

Three Months Ended March 31,

(in millions) 2026 2025

Net income (loss) attributable to Holdings $ 621  $ 63

Adjustments related to:

Variable annuity product features (1)

(386) 211

Investment (gains) losses 29  14

Net actuarial (gains) losses related to pension and other postretirement benefit obligations 14  11

Other adjustments (2)

148  205

Income tax expense (benefit) related to above adjustments 41  (92)

Non-recurring tax items 5  9

Non-GAAP Operating Earnings

$ 472  $ 421

______________

(1)As a result of the novation of certain Legacy VA policies completed during the first quarter of 2025, the Company recorded a loss of $499 million for the three months ended March 31, 2025.

(2)Includes a loss of $146 million and $165 million on Non-VA derivatives for the three months ended March 31, 2026 and 2025, respectively.

13

Non-GAAP Operating EPS

Non-GAAP Operating Earnings per common share is calculated by dividing Non-GAAP Operating Earnings less preferred stock dividends by diluted common shares outstanding. The table below presents a reconciliation of GAAP EPS to Non-GAAP Operating EPS for the three months ended March 31, 2026 and 2025.

Three Months Ended March 31,

(per share amounts) 2026 2025

Net income (loss) attributable to Holdings

$ 2.19  $ 0.20

Less: Preferred stock dividend 0.05  0.04

Net Income (loss) available to common shareholders 2.14  0.16

Adjustments related to:

Variable annuity product features (1)

(1.36) 0.68

Investment (gains) losses

0.10  0.04

Net actuarial (gains) losses related to pension and other postretirement benefit obligations 0.05  0.04

Other adjustments (2)

0.53  0.64

Income tax expense (benefit) related to above adjustments 0.14  (0.29)

Non-recurring tax items 0.02  0.03

Non-GAAP Operating Earnings $ 1.62  $ 1.30

_______________

(1)As a result of the novation of certain Legacy VA policies completed during the first quarter, the Company recorded a loss of $1.60 for the three months ended March 31, 2025.

(2)Includes a loss of $0.51 and $0.53 on Non-VA derivatives for the three months ended March 31, 2026 and 2025, respectively.

14

Book Value per common share, excluding AOCI

We use the term “book value” to refer to total equity attributable to Holdings’ common shareholders. Book Value per common share, excluding AOCI, is our total equity attributable to Holdings, excluding AOCI and preferred stock, divided by ending common shares outstanding.

March 31,

2026 December 31, 2025

Book value per common share $ (2.83) $ (4.03)

Per share impact of AOCI 22.39  22.17

Book Value per common share, excluding AOCI $ 19.56  $ 18.14

Other Operating Measures

We also use certain operating measures which management believes provide useful information about our businesses and the operational factors underlying our financial performance.

Account Value (“AV”)

Account value generally equals the aggregate policy account value of our retirement products.

Assets Under Management (“AUM”)

AUM means investment assets that are managed by one of our subsidiaries and includes: (i) assets managed by AB, (ii) the assets in our general account investment portfolio and (iii) the separate account assets of our Retirement and Life businesses. Total AUM reflects exclusions between segments to avoid double counting.

Assets Under Management (“AUA”)

AUA means advisory and brokerage investment assets included in the Company’s Wealth Management segment.

Segment net flows

Net change in segment customer account balances in a period including, but not limited to, gross premiums, surrenders, withdrawals and benefits. It excludes investment performance, interest credited to customer accounts and policy charges.

15

Consolidated Statements of Income (Loss) (Unaudited)

Three Months Ended March 31,

2026 2025

(in millions)

REVENUES

Policy charges and fee income $ 429  $ 636

Premiums 240  304

Net derivative gains (losses) 580  799

Net investment income (loss) 1,284  1,248

Investment gains (losses), net:

Credit and intent to sell losses on available-for-sale debt securities and loans 7  —

Other investment gains (losses), net (36) (14)

Total investment gains (losses), net (29) (14)

Investment management and service fees 1,327  1,285

Other income 399  318

Total revenues 4,230  4,576

BENEFITS AND OTHER DEDUCTIONS

Policyholders’ benefits 385  759

Remeasurement of liability for future policy benefits 9  (2)

Change in market risk benefits and purchased market risk benefits 325  672

Interest credited to policyholders’ account balances 770  678

Compensation and benefits 625  601

Commissions and distribution-related payments 556  501

Interest expense 62  55

Amortization of deferred policy acquisition costs 209  188

Other operating costs and expenses 402  950

Total benefits and other deductions 3,343  4,402

Income (loss) from continuing operations, before income taxes 887  174

Income tax (expense) benefit (156) (24)

Net income (loss) 731  150

Less: Net income (loss) attributable to the noncontrolling interest 110  87

Net income (loss) attributable to Holdings 621  63

Less: Preferred stock dividends 14  14

Net income (loss) available to Holdings’ common shareholders $ 607  $ 49

16

Earnings Per Common Share

Three Months Ended March 31,

2026 2025

(in millions)

Earnings per common share

Basic $ 2.16  $ 0.16

Diluted $ 2.14  $ 0.16

Weighted average shares

Weighted average common stock outstanding for basic earnings per common share 281.3  307.8

Weighted average common stock outstanding for diluted earnings per common share

283.8  311.9

Results of Operations by Segment

Three Months Ended March 31,

2026 2025

(in millions)

Operating earnings (loss) by segment:

Retirement

$ 396  $ 380

Asset Management

140  126

Wealth Management 55  45

Corporate and Other

(119) (130)

Non-GAAP Operating Earnings $ 472  $ 421

17

Select Balance Sheet Statistics

March 31,

2026 December 31,

2025

(in millions)

ASSETS

Total investments and cash and cash equivalents $ 131,583  $ 133,466

Separate Accounts assets 130,470  136,544

Total assets $ 310,382  $ 317,990

LIABILITIES

Long-term debt $ 3,837  $ 3,835

Future policy benefits and other policyholders' liabilities 17,441  17,660

Policyholders’ account balances 132,662  133,433

Total liabilities $ 308,132  $ 316,202

EQUITY

Preferred stock $ 1,068  $ 1,068

Accumulated other comprehensive income (loss) (6,300) (6,280)

Total equity attributable to Holdings 273  (74)

Total equity attributable to Holdings' common shareholders (ex. AOCI) 5,505  5,138

18

Assets Under Management (Unaudited)

March 31,

2026 December 31,

2025

(in billions)

Assets Under Management

AB AUM $ 838.6  $ 866.9

Exclusion for General Account and other Affiliated Accounts (88.8) (87.3)

Exclusion for Separate Accounts (48.8) (51.0)

AB third party $ 701.0  $ 728.6

Total Company AUM

AB third party $ 701.0  $ 728.6

General Account and other Affiliated Accounts (1) (3) (4) (5)

131.6  133.5

Separate Accounts (2) (3) (4) (5)

130.5  136.5

Total AUM $ 963.1  $ 998.6

_______________

(1) “General Account and other Affiliated Accounts” refers to assets held in the general accounts of our insurance companies and other assets on which we bear the investment risk.

(2) “Separate Accounts” refers to the separate account investment assets of our insurance subsidiaries excluding any assets on which we bear the investment risk.

(3) As of March 31, 2026 and December 31, 2025, Separate Accounts AUM is inclusive of $7.6 billion and $8.2 billion & General Account AUM is inclusive of $27 million and $28 million, respectively, ceded to Venerable.

(4) As of March 31, 2026 and December 31, 2025, Separate Accounts AUM is inclusive of $6.8 billion and $7.2 billion & General Account AUM is inclusive of $2.9 billion and $3.0 billion, respectively, ceded to Global Atlantic.

(5) Includes Advisory, Brokerage and Direct assets included in our Wealth Management segment.

As of March 31, 2026 and December 31, 2025, Separate Accounts AUM is inclusive of $14.5 billion and $15.1 billion & General Account AUM is inclusive of $9.3 billion and $9.3 billion, respectively, ceded to RGA.

19

EX-99.2

EX-99.2

Filename: eqh1q2026qfsdocument.htm · Sequence: 3

Document

Table of Contents

Consolidated Financials and Key Metrics Page

Key Metrics Summary

4

Consolidated Statements of Income (Loss)

5

Consolidated Balance Sheets

6

Consolidated Capital Structure

7

Operating Earnings (Loss) by Segment and Corporate and Other

8

Assets Under Management and Administration

9

Select Metrics from Business Segments

Retirement

Statements of Operating Earnings (Loss) and Summary Metrics

11

Select Operating Metrics

12

Asset Value Rollforward

13

Asset Management (1)

Statements of Operating Earnings (Loss) and Summary Metrics

14

AB Select Adjusted Financials and Ratios

15

Select Operating Metrics

16

Net Flows

17

Wealth Management

Statements of Operating Earnings (Loss) and Summary Metrics

18

Select Operating Metrics

19

Corporate and Other

Statements of Operating Earnings (Loss) and Summary Metrics

20

Select Operating Metrics

21

Investments

Consolidated Investment Portfolio Composition

23

Consolidated Results of General Account Investment Portfolio

24

Additional Information

Deferred Policy Acquisition Costs Rollforward

26

Use of Non-GAAP Financial Measures

27

Reconciliation of Non-GAAP Measures

29

Glossary of Selected Financial and Product Terms

32

Analyst Coverage, Ratings & Contact Information

34

Notes:

(1) Refers to AllianceBernstein L.P. and AllianceBernstein Holding L.P., collectively

All information included in this financial supplement is unaudited.

This financial supplement should be read in conjunction with Equitable Holdings' filings with the Securities and Exchange Commission (“SEC”) can be accessed upon filing at the SEC’s website at www.sec.gov, and at our website at ir.equitableholdings.com.

1Q 2026 Financial Supplement

2

Consolidated Financials

and Key Metrics

1Q 2026 Financial Supplement

3

Key Metrics Summary

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Change 3/31/2025 3/31/2026 Change

Net income (loss) $ 150 $ (283) $ (1,215) $ 311 $ 731 387.3  % $ 150 $ 731 387.3  %

Net income (loss) attributable to the noncontrolling interest (87) (66) (94) (96) (110) (26.4) % (87) (110) (26.4) %

Net income (loss) attributable to Holdings $ 63 $ (349) $ (1,309) $ 215 $ 621 885.7  % $ 63 $ 621 885.7  %

Non-GAAP Operating Earnings (1) $ 421 $ 352 $ 455 $ 513 $ 472 12.1  % $ 421 $ 472 12.1  %

Total equity attributable to Holdings' shareholders $ 2,401 $ 1,149 $ 148 $ (74) $ 273 (88.6) % $ 2,401 $ 273 (88.6) %

Less: Preferred Stock 1,507 1,228 1,068 1,068 1,068 (29.1) % 1,507 1,068 (29.1) %

Total equity attributable to Holdings' common shareholders 894 (79) (920) (1,142) (795) (188.9) % 894 (795) (188.9) %

Less: Accumulated other comprehensive income (loss) (7,567) (7,432) (6,191) (6,280) (6,300) 16.7  % (7,567) (6,300) 16.7  %

Total equity attributable to Holdings' common shareholders (ex. AOCI) $ 8,461 $ 7,353 $ 5,271 $ 5,138 $ 5,505 (34.9) % $ 8,461 $ 5,505 (34.9) %

Return on Equity (ex. AOCI) (TTM) 13.7  % 4.9  % (10.4) % (22.0) % (15.2) % 13.7  % (15.2) %

Non-GAAP Operating ROE (TTM) (1) 21.9  % 21.1  % 22.4  % 25.6  % 29.8  % 21.9  % 29.8  %

Debt to capital:

Debt to Capital (ex. AOCI) 30.3  % 33.5  % 37.7  % 38.3  % 36.9  % 30.3  % 36.9  %

Adjusted debt to capital (ex. AOCI) (4)

28.6  % 31.6  % 35.3  % 35.9  % 34.5  % 28.6  % 34.5  %

Adjusted capital metrics:

Total equity adjustment for Holdings' portion of AB's market value (3) $ 4,003 $ 4,982 $ 4,443 $ 4,448 $ 4,260 6.4  % $ 4,003 $ 4,260 6.4  %

Book value with AB at market value per common share (ex. AOCI) $ 40.69 $ 40.89 $ 33.59 $ 33.84 $ 34.70 (14.7) % $ 40.69 $ 34.70 (14.7) %

Adjusted debt to capital with AB at market value (ex. AOCI) (4) 22.3  % 22.8  % 24.5  % 24.9  % 24.5  % 22.3  % 24.5  %

Per common share:

Diluted earnings per common share: (2)

Net income (loss) attributable to Holdings $ 0.16 $ (1.21) $ (4.47) $ 0.70 $ 2.14 N/M $ 0.16 $ 2.14 N/M

Non-GAAP Operating Earnings (1) $ 1.30 $ 1.10 $ 1.48 $ 1.73 $ 1.62 24.6  % $ 1.30 $ 1.62 24.6  %

Book value per common share $ 2.92 $ (0.26) $ (3.18) $ (4.03) $ (2.83) (196.9) % $ 2.92 $ (2.83) (196.9) %

Book value per common share (ex. AOCI) $ 27.62 $ 24.37 $ 18.23 $ 18.14 $ 19.56 (29.2) % $ 27.62 $ 19.56 (29.2) %

Weighted-average common shares outstanding:

Basic 307.8 303.2 296.2 285.5 281.3 (8.6) % 307.8 281.3 (8.6) %

Diluted 311.9 303.2 296.2 289.1 283.8 (9.0) % 311.9 283.8 (9.0) %

Ending common shares outstanding 306.3 301.7 289.2 283.3 281.4 (8.1) % 306.3 281.4 (8.1) %

Return to common shareholders:

Common stock dividend $ 74 $ 82 $ 81 $ 77 $ 76 $ 74 $ 76

Repurchase of common shares 261 236 676 277 147 261 147

Total capital returned to common shareholders $ 335 $ 318 $ 757 $ 354 $ 223 $ 335 $ 223

Notes:

(1) This measure is a Non-GAAP financial measure. For an explanation of our use of Non-GAAP financial measures, refer to the “Use of Non-GAAP Financial Measures” and "Glossary of Selected Financial and Product Terms" sections of this document. For a reconciliation of this item to the most directly comparable GAAP measure, refer to the “Non-GAAP Reconciliation” section in this document.

(2) For loss periods, dilutive shares were not included in the calculation of net income (loss) available to shareholders per common share or Non-GAAP Operating Earnings per common share as inclusion of such shares would have an anti-dilutive effect.

(3) Adjustment for AB market value represents the difference between EQH economic interest in AB's total units multiplied by AB's total units and EQH economic interest in AB's Total Partners' Capital Attributable to AB Unitholders ex. AOCI. As of March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025 and March 31, 2025, AB's total units, including General Partnership units ABLP units, were $297.6 million, $296.5 million, 295.2 million, 295.0 million and 295.2 million, respectively. This is a pro-forma calculation, not the figures recorded in our financial statements.

(4) Adjusted to reflect 50% equity credit for $500 million of Junior Subordinated debt issued during Q1’25.

1Q 2026 Financial Supplement

4

Consolidated Statements of Income (Loss)

For the Three Months Ended For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Change 3/31/2025 3/31/2026 Change

Revenues

Policy charges and fee income $ 636  $ 626  $ 471  $ 435  $ 429  (32.5) % $ 636  $ 429  (32.5) %

Premiums 304  260  258  224  240  (21.1) % 304  240  (21.1) %

Net derivative gains (losses) 799  (1,374) (1,117) (363) 580  (27.4) % 799  580  (27.4) %

Net investment income (loss) 1,248  1,355  1,343  1,288  1,284  2.9  % 1,248  1,284  2.9  %

Investment gains (losses), net (14) (71) (1,170) (84) (29) (107.1) % (14) (29) (107.1) %

Investment management and service fees 1,285  1,272  1,316  1,390  1,327  3.3  % 1,285  1,327  3.3  %

Other income 318  294  349  387  399  25.5  % 318  399  25.5  %

Total revenues 4,576  2,362  1,450  3,277  4,230  (7.6) % 4,576  4,230  (7.6) %

Benefits and other deductions

Policyholders’ benefits 759  787  452  397  385  (49.3) % 759  385  (49.3) %

Remeasurement of liability for future policy benefits (2) (13) 59  (6) 9  550.0  % (2) 9  550.0  %

Change in market risk benefits and purchased market risk benefits 672  (606) (353) (130) 325  (51.6) % 672  325  (51.6) %

Interest credited to policyholders’ account balances 678  796  798  744  770  13.6  % 678  770  13.6  %

Compensation and benefits 601  592  601  640  625  4.0  % 601  625  4.0  %

Commissions and distribution-related payments 501  488  537  567  556  11.0  % 501  556  11.0  %

Interest expense 55  61  61  47  62  12.7  % 55  62  12.7  %

Amortization of deferred policy acquisition costs 188  193  203  205  209  11.2  % 188  209  11.2  %

Other operating costs and expenses 950  427  440  469  402  (57.7) % 950  402  (57.7) %

Total benefits and other deductions 4,402  2,725  2,798  2,933  3,343  (24.1) % 4,402  3,343  (24.1) %

Income (loss) from operations, before income taxes 174  (363) (1,348) 344  887  409.8  % 174  887  409.8  %

Income tax (expense) benefit (24) 80  133  (33) (156) (550.0) % (24) (156) (550.0) %

Net income (loss) 150  (283) (1,215) 311  731  387.3  % 150  731  387.3  %

Less: net (income) loss attributable to the noncontrolling interest (87) (66) (94) (96) (110) (26.4) % (87) (110) (26.4) %

Net income (loss) attributable to Holdings $ 63  $ (349) $ (1,309) $ 215  $ 621  885.7  % $ 63  $ 621  885.7  %

Less: Preferred stock dividends (14) (18) (16) (13) (14) —  % (14) (14) —  %

Net income (loss) available to Holdings' common shareholders $ 49  $ (367) $ (1,325) $ 202  $ 607  N/M $ 49  $ 607  N/M

Adjustments related to:

Variable annuity product features (1)

$ 211  $ 934  $ 978  $ 258  $ (386) $ 211  $ (386)

Investment (gains) losses, net (2)

14  71  1,170  84  29  14  29

Net actuarial (gains) losses related to pension and other postretirement benefit obligations

11  11  19  9  14  11  14

Other adjustments (3) (4) (5)

205  (137) (164) 21  148  205  148

Income tax expense (benefit) related to above adjustments

(92) (185) (437) (62) 41  (92) 41

Non-recurring tax items 9  7  198  (12) 5  9  5

Non-GAAP Operating earnings (6)

$ 421  $ 352  $ 455  $ 513  $ 472  $ 421  $ 472

Notes:

(1) As a result of the novation of certain Legacy VA policies completed during the first quarter of 2025, the Company recorded a loss of $499 million for the three months ended March 31, 2025.

(2) Includes $1.1 billion as a result of the assets transferred related to the reinsurance agreement with RGA for the three months ended September 30, 2025.

(3) Includes the following impacts on Non-VA derivatives: a loss of $165 million for the three months ended March 31, 2025, a gain of $198 million for the three months ended June 30, 2025, a gain of $230 million for the three months ended September 30, 2025, a gain of $41 million for the three months ended December 31, 2025 and a loss of $146 million for the three months ended March 31, 2026. Also, for the three months ended June 30, 2025, September 30, 2025, and December 31, 2025, includes $14 million, $(8) million and $6 million, respectively, of expense related to a disputed billing practice of an AB third-party service provider.

(4) For the three months ended March 31, 2025, includes $82 million of the gain on sale on AB's Bernstein Research Service attributable to Holdings.

(5) For the three months ended March 31, 2025, includes $78 million contingent payment gain recognized related to a fair value remeasurement of the contingent payment liability associated with AB's acquisition of CarVal in 2022.

(6) This measure is a Non-GAAP financial measure. For an explanation of our use of Non-GAAP financial measures, refer to the “Use of Non-GAAP Financial Measures” and "Glossary of Selected Financial and Product Terms" sections of this document. For a reconciliation of this item to the most directly comparable GAAP measure, refer to the “Non-GAAP Reconciliation” section in this document.

1Q 2026 Financial Supplement

5

Consolidated Balance Sheets

Balances as of

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 (1) 3/31/2026

Assets

Total investments $ 118,908  $ 121,798  $ 116,505  $ 121,004  $ 121,679

Cash and cash equivalents 8,164  14,957  13,604  12,462  9,904

Cash and securities segregated, at fair value 772  483  425  499  351

Broker-dealer related receivables 1,931  1,933  1,996  2,162  2,183

Deferred policy acquisition costs 7,262  7,361  7,430  7,523  7,584

Goodwill and other intangible assets, net 5,356  5,342  5,327  5,309  5,350

Amounts due from reinsurers 7,523  7,501  20,025  20,127  20,373

Current and deferred income taxes 1,687  1,749  2,337  2,577  2,611

Purchased market risk benefits 5,976  5,543  5,415  5,260  5,266

Other assets 4,574  3,962  3,678  3,771  3,936

Assets for market risk benefits 644  776  762  752  675

Separate Accounts assets 124,569  131,683  136,905  136,544  130,470

Total assets $ 287,366  $ 303,088  $ 314,409  $ 317,990  $ 310,382

Liabilities

Policyholders’ account balances $ 112,793  $ 123,359  $ 129,561  $ 133,433  $ 132,662

Liability for market risk benefits 10,864  10,187  10,301  10,153  9,825

Future policy benefits and other policyholders’ liabilities 17,372  17,557  17,611  17,660  17,441

Broker-dealer related payables 642  1,454  1,367  1,370  665

Customers related payables 2,135  1,885  1,740  1,937  1,988

Amounts due to reinsurers 1,357  1,350  1,451  1,542  1,306

Short-term debt —  —  —  25  —

Long-term debt 4,330  4,332  3,833  3,835  3,837

Notes issued by consolidated variable interest entities, at fair value using the fair value option 2,110  2,471  2,530  2,702  3,090

Other liabilities 6,700  5,847  7,162  7,001  6,848

Separate Accounts liabilities 124,569  131,683  136,905  136,544  130,470

Total liabilities 282,872  300,125  312,461  316,202  308,132

Redeemable noncontrolling interest 289  358  344  322  390

Equity

Preferred stock 1,507  1,228  1,068  1,068  1,068

Common stock 5  5  5  5  5

Additional paid-in capital 2,305  1,901  1,917  1,932  1,915

Treasury shares (4,296) (4,423) (5,011) (5,165) (5,190)

Retained earnings 10,447  9,870  8,360  8,366  8,775

Accumulated other comprehensive income (loss) (7,567) (7,432) (6,191) (6,280) (6,300)

Total equity attributable to Holdings 2,401  1,149  148  (74) 273

Noncontrolling interest 1,804  1,456  1,456  1,540  1,587

Total equity 4,205  2,605  1,604  1,466  1,860

Total liabilities, redeemable noncontrolling interest and equity $ 287,366  $ 303,088  $ 314,409  $ 317,990  $ 310,382

Notes:

(1) Balances have been revised from previously filed Financial Supplement to reflect final published results.

1Q 2026 Financial Supplement

6

Consolidated Capital Structure

Balances as of

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026

Short-term and long-term debt:

Total short-term debt $ — $ — $ — $ 25 $ —

Total long-term debt 4,330 4,332 3,833 3,835 3,837

Total short-term and long-term debt: [A]

$ 4,330 $ 4,332 $ 3,833 $ 3,860 $ 3,837

Equity:

Preferred stock $ 1,507 $ 1,228 $ 1,068 $ 1,068 $ 1,068

Common stock 5 5 5 5 5

Additional paid-in capital 2,305 1,901 1,917 1,932 1,915

Treasury stock, at cost (4,296) (4,423) (5,011) (5,165) (5,190)

Retained earnings 10,447 9,870 8,360 8,366 8,775

Accumulated other comprehensive income (loss) (7,567) (7,432) (6,191) (6,280) (6,300)

Total equity attributable to Holdings 2,401 1,149 148 (74) 273

Noncontrolling interest 1,804 1,456 1,456 1,540 1,587

Total equity $ 4,205 $ 2,605 $ 1,604 $ 1,466 $ 1,860

Total equity attributable to Holdings, (ex. AOCI): [B]

$ 9,968 $ 8,581 $ 6,339 $ 6,206 $ 6,573

Capital:

Total capitalization $ 6,731 $ 5,481 $ 3,981 $ 3,786 $ 4,110

Total capitalization (ex. AOCI): [A+B] (2)

$ 14,298 $ 12,913 $ 10,172 $ 10,066 $ 10,410

Debt to capital:

Debt to capital (ex. AOCI) (1) 30.3  % 33.5  % 37.7  % 38.3  % 36.9  %

Adjusted debt to capital (ex. AOCI) (2) 28.6  % 31.6  % 35.3  % 35.9  % 34.5  %

Adjusted debt to capital with AB at market value (ex. AOCI) (2)

22.3  % 22.8  % 24.5  % 24.9  % 24.5  %

For the Three Months Ended

3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026

Roll-forward of common shares outstanding (millions of shares):

Beginning balance 309.9 306.3 301.7 289.2 283.3

Repurchases (2.3) (2.4) (10.9) (3.3) (1.0)

Retirements (2.7) (2.4) (1.8) (2.6) (2.1)

Issuances 1.4 0.2 0.2 — 1.3

Ending basic common shares outstanding 306.3 301.7 289.2 283.3 281.4

Total potentially dilutive shares 4.1 3.0 3.6 3.6 —

Ending common shares outstanding - maximum potential dilution 310.4 304.7 292.8 286.9 281.4

Notes:

(1) Debt to capital ratio exclusive of CLO Warehousing Debt as the VIE debt is non-recourse.

(2) Adjusted to reflect 50% equity credit for $500 million of Junior Subordinated debt issued during Q1’25

1Q 2026 Financial Supplement

7

Operating Earnings (Loss) by Segment and Corporate and Other

For the Three Months Ended March 31, 2026

(in millions USD, unless otherwise indicated) Retirement Asset Management Wealth Management Corporate and Other Eliminations Consolidated

Revenues

Policy charges, fee income and premiums $ 307  $ —  $ —  $ 362  $ —  $ 669

Net investment income (loss) 1,193  (6) 3  39  32  1,261

Net derivative gains (losses) (6) 4  —  2  6  6

Investment management, service fees and other income 185  1,116  538  122  (284) 1,677

Segment revenues 1,679  1,114  541  525  (246) 3,613

Benefits and other deductions

Policyholders’ benefits 70  —  —  315  —  385

Remeasurement of liability for future policy benefits (1) —  —  10  —  9

Interest credited to policyholders’ account balances 737  —  —  51  —  788

Commissions and distribution-related payments 171  197  348  78  (238) 556

Amortization of deferred policy acquisition costs 160  —  —  49  —  209

Compensation and benefits, interest expense, financing fees and other operating costs and expense 92  639  121  154  (8) 998

Segment benefits and other deductions 1,229  836  469  657  (246) 2,945

Operating earnings (loss), before income taxes 450  278  72  (132) —  668

Income Taxes (54) (49) (17) 15  —  (105)

Operating earnings (loss), before noncontrolling interest 396  229  55  (117) —  563

Less: Operating (earnings) loss attributable to the noncontrolling interest —  (89) —  (2) —  (91)

Operating earnings (loss) $ 396  $ 140  $ 55  $ (119) $ —  $ 472

For the Three Months Ended March 31, 2025

Retirement Asset Management Wealth Management Corporate and Other Eliminations Consolidated

Revenues

Policy charges, fee income and premiums $ 306  $ —  $ —  $ 634  $ —  $ 940

Net investment income (loss) 987  3  3  227  25  1,245

Net derivative gains (losses) (5) (13) —  9  5  (4)

Investment Management, service fees and other income 167  1,098  459  139  (260) 1,603

Segment revenues 1,455  1,088  462  1,009  (230) 3,784

Benefits and other deductions

Policyholders’ benefits 92  —  —  667  —  759

Remeasurement of liability for future policy benefits (1) —  —  (1) —  (2)

Interest credited to policyholders’ account balances 530  —  —  133  —  663

Commissions and distribution-related payments 142  201  293  83  (218) 501

Amortization of deferred policy acquisition costs 139  —  —  49  —  188

Compensation and benefits, interest expense, financing fees and other operating costs and expense 104  614  109  228  (12) 1,043

Segment benefits and other deductions 1,006  815  402  1,159  (230) 3,152

Operating earnings (loss), before income taxes 449  273  60  (150) —  632

Income Taxes (69) (41) (15) 23  —  (102)

Operating earnings (loss), before noncontrolling interest 380  232  45  (127) —  530

Less: Operating (earnings) loss attributable to the noncontrolling interest —  (106) —  (3) —  (109)

Operating earnings (loss) $ 380  $ 126  $ 45  $ (130) $ —  $ 421

1Q 2026 Financial Supplement

8

Assets Under Management and Administration

Balances as of

(in billions USD, unless otherwise indicated)

3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026

AB AUM

Total AB $ 784.5 $ 829.1 $ 860.1 $ 866.9 $ 838.6

Exclusion for General Account and other Affiliated Accounts

(87.4) (90.0) (85.3) (87.3) (88.8)

Exclusion for Separate Accounts

(44.7) (47.8) (50.4) (51.0) (48.8)

AB third party $ 652.4 $ 691.3 $ 724.4 $ 728.6 $ 701.0

Total Company AUM

AB third party $ 652.4 $ 691.3 $ 724.4 $ 728.6 $ 701.0

General Account and other Affiliated Accounts (1) (3) (4) (6)

127.1 136.8 130.1 133.5 131.6

Separate Accounts (2) (3) (4) (6)

124.6 131.7 136.9 136.5 130.5

Total AUM $ 904.0 $ 959.7 $ 991.4 $ 998.6 $ 963.1

Total AUA (5) $ 102.1 $ 110.3 $ 118.2 $ 122.0 $ 131.0

Total AUM/A

$ 1,006.1 $ 1,070.0 $ 1,109.6 $ 1,120.6 $ 1,094.1

Market Values:

S&P 500 5,612 6,205 6,688 6,846 6,529

US 10-Year Treasury 4.2  % 4.2  % 4.2  % 4.2  % 4.3  %

Notes:

(1) “General Account and other Affiliated Accounts” refers to assets held in the general accounts of our insurance companies and other assets on which we bear the investment risk.

(2) “Separate Accounts” refers to the separate account investment assets of our insurance subsidiaries excluding any assets on which we bear the investment risk.

(3) As of March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025 and March 31, 2025, Separate Accounts AUM is inclusive of $7.6 billion, $8.2 billion, $8.4 billion, $8.2 billion and $7.9 billion & General Account AUM is inclusive of $27 million, $28 million, $30 million, $31 million and $31 million, respectively, ceded to Venerable.

(4) As of March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025 and March 31, 2025, Separate Accounts AUM is inclusive of $6.8 billion, $7.2 billion, $7.2 billion, $7.0 billion and $6.5 billion & General Account AUM is inclusive of $2.9 billion, $3.0 billion, $3.1 billion, $3.1 billion and $3.2 billion, respectively, ceded to Global Atlantic.

(5) Includes Advisory, Brokerage and Direct assets included in our Wealth Management segment.

(6) As of March 31, 2026, December 31, 2025 and September 30, 2025, Separate Accounts AUM is inclusive of $14.5 billion, $15.1 billion and $15.0 billion & General Account AUM is inclusive of $9.3 billion, $9.3 billion and $9.3 billion, respectively, ceded to RGA.

1Q 2026 Financial Supplement

9

Business Segments:

Operating Earnings Results and Metrics

1Q 2026 Financial Supplement

10

Retirement - Operating Earnings (Loss) and Summary Metrics

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Change 3/31/2025 3/31/2026 Change

Revenues

Policy charges, fee income and premiums $ 306 $ 287 $ 296 $ 328 $ 307 0.3  % $ 306 $ 307 0.3  %

Net investment income (loss) 987 1,048 1,116 1,161 1,193 20.9  % 987 1,193 20.9  %

Net derivative gains (losses) (5) (5) (2) (9) (6) (20.0) % (5) (6) (20.0) %

Investment management, service fees and other income 167 161 182 186 185 10.8  % 167 185 10.8  %

Segment revenues 1,455 1,491 1,592 1,666 1,679 15.4  % 1,455 1,679 15.4  %

Benefits and other deductions

Policyholders’ benefits 92 76 73 84 70 (23.9) % 92 70 (23.9) %

Remeasurement of liability for future policy benefits (1) — (1) — (1) —  % (1) (1) —  %

Interest credited to policyholders’ account balances 530 632 685 713 737 39.1  % 530 737 39.1  %

Commissions and distribution-related payments 142 145 153 178 171 20.4  % 142 171 20.4  %

Amortization of deferred policy acquisition costs 139 143 153 156 160 15.1  % 139 160 15.1  %

Compensation and benefits, interest expense, financing fees and other operating costs and expense 104 71 86 95 92 (11.5) % 104 92 (11.5) %

Segment benefits and other deductions 1,006 1,067 1,149 1,226 1,229 22.2  % 1,006 1,229 22.2  %

Operating earnings (loss), before income taxes 449 424 443 440 450 0.2  % 449 450 0.2  %

Income taxes (69) (70) (38) (30) (54) 21.7  % (69) (54) 21.7  %

Operating earnings (loss), before noncontrolling interest 380 354 405 410 396 4.2  % 380 396 4.2  %

Less: Operating (earnings) loss attributable to the noncontrolling interest — — — — — —  % — — —  %

Operating earnings (loss) $ 380 $ 354 $ 405 $ 410 $ 396 4.2  % $ 380 $ 396 4.2  %

Summary Metrics

Operating earnings (loss) (TTM) $ 1,598 $ 1,537 $ 1,524 $ 1,549 $ 1,565 (2.1) % $ 1,598 $ 1,565 (2.1) %

Average asset value (TTM) $ 149,051 $ 153,648 $ 158,988 $ 163,857 $ 168,549 13.1  % $ 149,051 $ 168,549 13.1  %

Return on assets (TTM) 1.25  % 1.17  % 1.11  % 1.07  % 1.04  % 1.25  % 1.04  %

Net flows $ 1,624 $ 1,919 $ 1,120 $ 1,260 $ 1,288 (20.7) % $ 1,624 $ 1,288 (20.7) %

Additional Detail

Net investment income (loss):

Investment income, excluding alternatives $ 957 $ 1,028 $ 1,093 $ 1,128 $ 1,174 22.7  % $ 957 $ 1,174 22.7  %

Alternative investment income

30 20 23 33 19 (36.7) % 30 19 (36.7) %

Total Net investment income (loss) $ 987 $ 1,048 $ 1,116 $ 1,161 $ 1,193 20.9  % $ 987 $ 1,193 20.9  %

Net interest margin $ 452 $ 411 $ 429 $ 439 $ 450 (0.4) % $ 452 $ 450 (0.4) %

1Q 2026 Financial Supplement

11

Retirement - Select Operating Metrics

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 3/31/2025 3/31/2026

Sales Metrics

First Year Premiums and Deposits:

Registered indexed-linked annuities (RILA) $ 3,534  $ 3,772  $ 3,870  $ 4,190  $ 4,024  $ 3,534  $ 4,024

Traditional variable annuities 1,000  984  962  994  1,087  1,000  1,087

Tax-exempt (1)

349  297  387  574  511  349  511

Corporate 78  70  64  70  94  78  94

Institutional 424  325  87  87  204  424  204

Other (1)

31  64  88  60  52  31  52

Total First Year Premiums and Deposits $ 5,416  $ 5,512  $ 5,458  $ 5,975  $ 5,972  $ 5,416  $ 5,972

Renewal Premiums and Deposits:

Tax-exempt (1)

$ 486  $ 512  $ 396  $ 517  $ 493  $ 486  $ 493

Corporate 103  91  95  91  99  103  99

Other (1)

91  88  91  98  84  91  84

Total Renewal Premiums and Deposits $ 680  $ 691  $ 582  $ 706  $ 676  $ 680  $ 676

Total Premiums and Deposits

$ 6,096  $ 6,203  $ 6,040  $ 6,681  $ 6,648  $ 6,096  $ 6,648

Net Amount at Risk (NAR)

Total GMIB NAR $ 45  $ 52  $ 60  $ 71  $ 84  $ 45  $ 84

Total GMWB NAR $ —  $ —  $ —  $ —  $ —  $ —  $ —

Total GMDB NAR $ 3,277  $ 3,058  $ 2,907  $ 2,957  $ 3,262  $ 3,277  $ 3,262

MRB Reserves (Net of Reinsurance) $ 711  $ 596  $ 706  $ 767  $ 814  $ 711  $ 814

Notes:

(1) Net of reinsurance

1Q 2026 Financial Supplement

12

Retirement - Asset Value Rollforward

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 3/31/2025 3/31/2026

General Account:

Account value balance, beginning of period $ 78,361  $ 79,820  $ 87,413  $ 93,825  $ 97,628  $ 78,361  $ 97,628

Premiums and deposits (1)

4,529  4,288  4,219  4,718  4,064  4,529  4,064

Surrenders, withdrawals and benefits (1,840) (1,891) (2,186) (2,429) (2,354) (1,840) (2,354)

Net flows 2,689  2,397  2,033  2,289  1,710  2,689  1,710

Net flows ceded for third-party flow reinsurance

—  —  —  (181) (395) —  (395)

Change in market value, reinvestment

1,706  584  658  609  239  1,706  239

Change in fair value of embedded derivative instruments (2,936) 4,612  3,721  1,086  (2,429) (2,936) (2,429)

Account value balance, end of period 79,820  87,413  93,825  97,628  96,753  79,820  96,753

Embedded derivative value, end of period 13,816  18,097  21,215  21,553  18,269  13,816  18,269

Account value balance, end of period (net of embedded derivatives)

66,004  69,316  72,610  76,075  78,484  66,004  78,484

Total spread lending balances, end of period 13,943  16,315  16,755  17,534  17,064  13,943  17,064

Reserves, end of period (excluding MRBs) 4,842  4,995  5,177  5,300  5,284  4,842  5,284

Balance, end of period, General Account asset value

$ 84,789  $ 90,626  $ 94,542  $ 98,909  $ 100,832  $ 84,789  $ 100,832

Separate Accounts:

Account value balance, beginning of period $ 72,837  $ 69,788  $ 74,029  $ 77,131  $ 77,257  $ 72,837  $ 77,257

Premiums and deposits (1)

1,524  1,876  1,779  1,922  2,555  1,524  2,555

Surrenders, withdrawals and benefits (2,589) (2,354) (2,692) (2,951) (2,977) (2,589) (2,977)

Net flows (1,065) (478) (913) (1,029) (422) (1,065) (422)

Change in market value, reinvestment and other

(1,984) 4,719  4,015  1,155  (1,991) (1,984) (1,991)

Balance, end of period, Separate Accounts asset value

$ 69,788  $ 74,029  $ 77,131  $ 77,257  $ 74,844  $ 69,788  $ 74,844

Total:

Account value balance, beginning of period $ 151,198  $ 149,608  $ 161,442  $ 170,956  $ 174,885  $ 151,198  $ 174,885

Premiums and deposits (1)

6,053  6,164  5,998  6,640  6,619  6,053  6,619

Surrenders, withdrawals and benefits (4,429) (4,245) (4,878) (5,380) (5,331) (4,429) (5,331)

Net flows 1,624  1,919  1,120  1,260  1,288  1,624  1,288

Net flows ceded for third-party flow reinsurance

—  —  —  (181) (395) —  (395)

Change in market value, reinvestment

(278) 5,303  4,673  1,764  (1,752) (278) (1,752)

Change in fair value of embedded derivative instruments (2,936) 4,612  3,721  1,086  (2,429) (2,936) (2,429)

Account value balance, end of period 149,608  161,442  170,956  174,885  171,597  149,608  171,597

Embedded derivative value, end of period 13,816  18,097  21,215  21,553  18,269  13,816  18,269

Account value balance, end of period (net of embedded derivatives)

135,792  143,345  149,741  153,332  153,328  135,792  153,328

Total spread lending balances, end of period 13,943  16,315  16,755  17,534  17,064  13,943  17,064

Reserves, end of period (excluding MRBs) 4,842  4,995  5,177  5,300  5,284  4,842  5,284

Balance, end of period, total asset value

$ 154,577  $ 164,655  $ 171,673  $ 176,166  $ 175,676  $ 154,577  $ 175,676

Notes:

(1) Excludes deposits from certain other products reported as first year premiums and deposits or renewal premiums and deposits elsewhere in this document.

1Q 2026 Financial Supplement

13

Asset Management - Operating Earnings (Loss) and Summary Metrics

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Change 3/31/2025 3/31/2026 Change

Revenues

Net investment income (loss) $ 3 $ 22 $ 14 $ 9 $ (6) (300.0) % $ 3 $ (6) (300.0) %

Net derivative gains (losses) (13) (11) (4) (1) 4 130.8  % (13) 4 130.8  %

Investment management, service fees and other income 1,098 1,083 1,134 1,217 1,116 1.6  % 1,098 1,116 1.6  %

Segment revenues 1,088 1,094 1,144 1,225 1,114 2.4  % 1,088 1,114 2.4  %

Benefits and other deductions

Commissions and distribution-related payments 201 197 209 206 197 (2.0) % 201 197 (2.0) %

Compensation and benefits, interest expense, financing fees and other operating costs and expense 614 634 642 695 639 4.1  % 614 639 4.1  %

Segment benefits and other deductions 815 831 851 901 836 2.6  % 815 836 2.6  %

Operating earnings (loss), before income taxes 273 263 293 324 278 1.8  % 273 278 1.8  %

Income taxes (41) (48) (46) (61) (49) (19.5) % (41) (49) (19.5) %

Operating earnings (loss), before noncontrolling interest 232 215 247 263 229 (1.3) % 232 229 (1.3) %

Less: Operating (earnings) loss attributable to the noncontrolling interest (106) (84) (93) (103) (89) 16.0  % (106) (89) 16.0  %

Operating earnings (loss) $ 126 $ 131 $ 154 $ 160 $ 140 11.1  % $ 126 $ 140 11.1  %

Summary Metrics

Adjusted operating margin (1) 33.7  % 32.3  % 34.2  % 34.5  % 33.4  % 33.7  % 33.4  %

Net flows (in billions USD) $ 2.4 $ (6.7) $ (2.3) $ (4.7) $ (7.1) $ 2.4 $ (7.1)

Total AUM (in billions USD) $ 784.5 $ 829.1 $ 860.1 $ 866.9 $ 838.6 $ 784.5 $ 838.6

Ownership Structure of AB

Holdings and its subsidiaries 61.8  % 61.9  % 68.5  % 68.2  % 68.0  % 61.8  % 68.0  %

AB Holding 37.5  % 37.5  % 30.8  % 31.1  % 31.4  % 37.5  % 31.4  %

Unaffiliated holders 0.7  % 0.6  % 0.7  % 0.7  % 0.6  % 0.7  % 0.6  %

Total 100.0  % 100.0  % 100.0  % 100.0  % 100.0  % 100.0  % 100.0  %

EQH economic interest 61.9  % 68.6  % 68.5  % 68.3  % 68.0  % 61.9  % 68.0  %

EQH average economic interest 61.9  % 68.6  % 68.6  % 68.5  % 68.1  % 61.9  % 68.1  %

Units of limited partnership outstanding (in millions) 292.3 292.1 292.2 293.5 294.6 292.3 294.6

Notes:

(1) Adjusted operating margin is a non-GAAP financial measure used by AllianceBernstein L.P. (“AB”) management in evaluating AB’s financial performance on a standalone basis and to compare its performance, as reported by AB in its public filings. It is not comparable to any other non-GAAP financial measure used herein.

1Q 2026 Financial Supplement

14

Asset Management - AB Select Adjusted Financials and Ratios

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Change 3/31/2025 3/31/2026 Change

AB revenues

Base fees $ 782 $ 772 $ 821 $ 840 $ 819 4.7  % $ 782 $ 819 4.7  %

Performance fees

Private markets (1) 20 22 19 46 5 (75.0) % 20 5 (75.0) %

Public markets 19 8 1 37 18 (5.3) % 19 18 (5.3) %

Investment gains (losses) (11) 8 8 — (5) 54.5  % (11) (5) 54.5  %

Dividend & interest revenue 32 31 32 31 27 (15.6) % 32 27 (15.6) %

Other revenues 14 19 19 18 20 42.9  % 14 20 42.9  %

Total AB revenues 856 860 900 972 884 3.3  % 856 884 3.3  %

Less: broker-dealer related interest expense 18 16 15 14 13 (27.8) % 18 13 (27.8) %

AB adjusted net revenues 838 844 885 958 871 3.9  % 838 871 3.9  %

AB expenses

Compensation and fringes 406 409 429 458 422 3.9  % 406 422 3.9  %

Other employment costs 8 10 10 8 10 25.0  % 8 10 25.0  %

Total AB compensation and benefits 414 419 439 466 432 4.3  % 414 432 4.3  %

Promotion and servicing 30 34 30 40 31 3.3  % 30 31 3.3  %

General and administrative 111 118 113 123 117 5.4  % 111 117 5.4  %

Total AB adjusted operating expenses 555 571 582 629 580 4.5  % 555 580 4.5  %

AB adjusted operating income, before income taxes 283 273 303 329 291 2.8  % 283 291 2.8  %

Interest on borrowings 7 9 7 5 7 —  % 7 7 —  %

Other (2) 3 1 3 — 6 100.0  % 3 6 100.0  %

Operating earnings (loss), before income taxes 273 263 293 324 278 1.8  % 273 278 1.8  %

Income taxes (41) (48) (46) (61) (49) (19.5) % (41) (49) (19.5) %

Operating earnings (loss), before noncontrolling interest 232 215 247 263 229 (1.3) % 232 229 (1.3) %

Less: Operating (earnings) loss attributable to the noncontrolling interest (106) (84) (93) (103) (89) 16.0  % (106) (89) 16.0  %

Operating earnings (loss) $ 126 $ 131 $ 154 $ 160 $ 140 11.1  % $ 126 $ 140 11.1  %

Adjusted operating margin (3) 33.7  % 32.3  % 34.2  % 34.5  % 33.4  % 33.7  % 33.4  %

Compensation ratio 48.4  % 48.5  % 48.5  % 47.8  % 48.5  % 48.4  % 48.5  %

Notes:

(1) Private Market strategies eligible for performance fees include: AB-Private Credit Investors (“AB-PCI”), US and EU Commercial Real Estate Debt, and AB CarVal.

(2) Includes amortization expense of intangible assets associated with EQH purchase of AB and equity income/loss associated with certain AB equity method investments.

(3) Adjusted operating margin is a non-GAAP financial measure used by AllianceBernstein L.P. (“AB”) management in evaluating AB’s financial performance on a standalone basis and to compare its performance, as reported by AB in its public filings. It is not comparable to any other non-GAAP financial measure used herein.

1Q 2026 Financial Supplement

15

Asset Management - Select Operating Metrics

For the Three Months Ended or As of

(in billions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026

AUM Roll-forward

Balance as of beginning of period $ 792.2  $ 784.5  $ 829.1  $ 860.1  $ 866.9

Sales/new accounts 36.1  27.9  42.4  33.7  35.6

Redemptions/terminations (29.7) (30.7) (27.8) (32.6) (35.8)

Cash flow/unreinvested dividends (4.0) (3.9) (16.9) (5.8) (6.9)

Net long-term (outflows) inflows 2.4  (6.7) (2.3) (4.7) (7.1)

Market appreciation (depreciation) (10.1) 51.3  33.3  11.5  (21.2)

Net change (7.7) 44.6  31.0  6.8  (28.3)

Balance as of end of period $ 784.5  $ 829.1  $ 860.1  $ 866.9  $ 838.6

Ending Assets by distribution channel

Institutions $ 324.1  $ 340.0  $ 351.4  $ 354.2  $ 347.7

Retail 324.1  344.7  356.2  356.4  335.5

Private Wealth 136.3  144.4  152.5  156.3  155.4

Total $ 784.5  $ 829.1  $ 860.1  $ 866.9  $ 838.6

Ending Assets by investment service

Equity

Actively Managed $ 249.0  $ 273.4  $ 281.3  $ 278.0  $ 252.5

Passively Managed (1) 65.8  70.8  77.3  78.3  74.7

Total Equity $ 314.8  $ 344.2  $ 358.6  $ 356.3  $ 327.2

Fixed Income

Actively Managed $ 290.0  $ 294.0  $ 300.1  $ 303.9  $ 303.6

Passively Managed (1) 10.1  10.2  10.1  9.7  9.4

Total Fixed Income 300.1  304.2  310.2  313.6  313.0

Total Alternatives/Multi-Asset Solutions (2) 169.6  180.7  191.3  197.0  198.4

Total $ 784.5  $ 829.1  $ 860.1  $ 866.9  $ 838.6

Notes:

(1) Includes index and enhanced index services.

(2) Includes certain multi-asset solutions and services not included in equity or fixed income services.

1Q 2026 Financial Supplement

16

Asset Management - Net Flows

For the Three Months Ended For the Three Months Ended

(in billions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 3/31/2025 3/31/2026

Net Flows by Distribution Channel

Institutions

US $ 2.7  $ 2.8  $ (2.1) $ 2.3  $ 0.3  $ 2.7  $ 0.3

Global and Non-US (2.0) (4.3) 0.3  (4.3) (2.2) (2.0) (2.2)

Total Institutions $ 0.7  $ (1.5) $ (1.8) $ (2.0) $ (1.9) $ 0.7  $ (1.9)

Retail

US $ 3.0  $ (1.6) $ (2.3) $ (1.6) $ (1.9) $ 3.0  $ (1.9)

Global and Non-US (2.1) (3.2) 0.6  (1.9) (3.9) (2.1) (3.9)

Total Retail $ 0.9  $ (4.8) $ (1.7) $ (3.5) $ (5.8) $ 0.9  $ (5.8)

Private Wealth

US $ 1.6  $ 0.1  $ 1.3  $ 0.5  $ 0.9  $ 1.6  $ 0.9

Global and Non-US (0.8) (0.5) (0.1) 0.3  (0.3) (0.8) (0.3)

Total Private Wealth $ 0.8  $ (0.4) $ 1.2  $ 0.8  $ 0.6  $ 0.8  $ 0.6

Total Net Flows by Distribution Channel $ 2.4  $ (6.7) $ (2.3) $ (4.7) $ (7.1) $ 2.4  $ (7.1)

Net Flows by Investment Service

Equity Active

US $ (0.3) $ (3.3) $ (6.3) $ (5.1) $ (5.5) $ (0.3) $ (5.5)

Global and Non-US (2.2) (2.7) (0.1) (2.5) (5.4) (2.2) (5.4)

Total Equity Active $ (2.5) $ (6.0) $ (6.4) $ (7.6) $ (10.9) $ (2.5) $ (10.9)

Equity Passive (1)

US $ (0.1) $ —  $ (1.1) $ (1.0) $ (0.6) $ (0.1) $ (0.6)

Global and Non-US 0.3  (1.9) 2.3  —  (0.3) 0.3  (0.3)

Total Equity Passive (1) $ 0.2  $ (1.9) $ 1.2  $ (1.0) $ (0.9) $ 0.2  $ (0.9)

Fixed Income - Taxable

US $ 2.2  $ 2.0  $ (2.7) $ 1.4  $ 2.3  $ 2.2  $ 2.3

Global and Non-US (3.6) (3.5) (1.5) (3.4) (4.0) (3.6) (4.0)

Total Fixed Income - Taxable $ (1.4) $ (1.5) $ (4.2) $ (2.0) $ (1.7) $ (1.4) $ (1.7)

Fixed Income - Tax-Exempt

US $ 2.4  $ 1.2  $ 4.1  $ 3.9  $ 3.3  $ 2.4  $ 3.3

Global and Non-US —  —  —  —  —  —  —

Total Fixed Income - Tax-Exempt $ 2.4  $ 1.2  $ 4.1  $ 3.9  $ 3.3  $ 2.4  $ 3.3

Fixed Income - Passive (1)

US $ (0.4) $ (0.1) $ (0.1) $ 0.1  $ (0.2) $ (0.4) $ (0.2)

Global and Non-US (0.1) —  (0.1) (0.5) (0.1) (0.1) (0.1)

Total Fixed Income - Passive (1) $ (0.5) $ (0.1) $ (0.2) $ (0.4) $ (0.3) $ (0.5) $ (0.3)

Alternatives/Multi-Asset Solutions (2)

US $ 3.5  $ 1.5  $ 3.0  $ 1.9  $ —  $ 3.5  $ —

Global and Non-US 0.7  0.1  0.2  0.5  3.4  0.7  3.4

Total Alternatives/Multi-Asset Solutions (2) $ 4.2  $ 1.6  $ 3.2  $ 2.4  $ 3.4  $ 4.2  $ 3.4

Total Net Flows by Investment Service $ 2.4  $ (6.7) $ (2.3) $ (4.7) $ (7.1) $ 2.4  $ (7.1)

Active vs. Passive Net Flows

Actively Managed

Equity $ (2.5) $ (6.0) $ (6.4) $ (7.6) $ (10.9) $ (2.5) $ (10.9)

Fixed Income 1.0  (0.4) —  1.9  1.6  1.0  1.6

Alternatives/Multi-Asset Solutions (2) 4.2  1.6  3.0  1.9  3.0  4.2  3.0

Total $ 2.7  $ (4.8) $ (3.4) $ (3.8) $ (6.3) $ 2.7  $ (6.3)

Passively Managed (1)

Equity $ 0.2  $ (1.9) $ 1.1  $ (1.0) $ (0.9) $ 0.2  $ (0.9)

Fixed Income (0.5) (0.1) (0.2) (0.4) (0.3) (0.5) (0.3)

Alternatives/Multi-Asset Solutions (2) — 0.1  0.2  0.5 0.4 — 0.4

Total $ (0.3) $ (1.9) $ 1.1  $ (0.9) $ (0.8) $ (0.3) $ (0.8)

Total Active vs Passive Net Flows $ 2.4  $ (6.7) $ (2.3) $ (4.7) $ (7.1) $ 2.4  $ (7.1)

Notes:

(1) Includes index and enhanced index services.

(2) Includes certain multi-asset solutions and services not included in equity or fixed income services.

1Q 2026 Financial Supplement

17

Wealth Management - Operating Earnings (Loss) and Summary Metrics

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Change 3/31/2025 3/31/2026 Change

Revenues

Net investment income (loss) $ 3 $ 2 $ 3 $ 4 $ 3 —  % $ 3 $ 3 —  %

Investment management, service fees and other income 459 467 496 544 538 17.2  % 459 538 17.2  %

Segment revenues 462 469 499 548 541 17.1  % 462 541 17.1  %

Benefits and other deductions

Commissions and distribution-related payments 293 296 320 350 348 18.8  % 293 348 18.8  %

Compensation and benefits, interest expense, financing fees and other operating costs and expense 109 105 101 108 121 11.0  % 109 121 11.0  %

Segment benefits and other deductions 402 401 421 458 469 16.7  % 402 469 16.7  %

Operating earnings (loss), before income taxes 60 68 78 90 72 20.0  % 60 72 20.0  %

Income taxes (15) (18) (19) (24) (17) (13.3) % (15) (17) (13.3) %

Operating earnings (loss), before noncontrolling interest 45 50 59 66 55 22.2  % 45 55 22.2  %

Less: Operating (earnings) loss attributable to the noncontrolling interest — — — — — —  % — — —  %

Operating earnings (loss) $ 45 $ 50 $ 59 $ 66 $ 55 22.2  % $ 45 $ 55 22.2  %

Summary Metrics

Pre-tax operating margin 13.0  % 14.5  % 15.6  % 16.4  % 13.3  % 13.0  % 13.3  %

Advisory net new assets $ 1,981 $ 2,027 $ 2,210 $ 2,148 $ 2,021 2.0  % $ 1,981 $ 2,021 2.0  %

Total AUA $ 102,057 $ 110,265 $ 118,196 $ 122,014 $ 131,037 28.4  % $ 102,057 $ 131,037 28.4  %

Revenue by Activity Type

Investment management, service fees and other income:

Investment management and advisory fees $ 181 $ 184 $ 197 $ 214 $ 229 26.5  % $ 181 $ 229 26.5  %

Distribution fees 263 268 280 315 292 11.0  % 263 292 11.0  %

Interest income 11 10 11 11 9 (18.2) % 11 9 (18.2) %

Service and other income 4 5 8 4 8 100.0  % 4 8 100.0  %

Total Investment management, service fees and other income $ 459 $ 467 $ 496 $ 544 538 17.2  % $ 459 $ 538 17.2  %

1Q 2026 Financial Supplement

18

Wealth Management - Select Operating Metrics

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 3/31/2025 3/31/2026

AUA Roll-forward

Advisory assets :

Beginning assets $ 65,839  $ 66,795  $ 73,293  $ 79,378  $ 82,594  $ 65,839  $ 82,594

Acquired assets —  —  —  —  4,508  —  4,508

Net new assets 1,981  2,027  2,210  2,148  2,021  1,981  2,021

Market appreciation (depreciation) and other (1,025) 4,471  3,875  1,068  (1,518) (1,025) (1,518)

Advisory ending assets $ 66,795  $ 73,293  $ 79,378  $ 82,594  $ 87,605  $ 66,795  $ 87,605

Acquired assets, brokerage and direct $ —  $ —  $ —  $ —  $ 4,546  $ —  $ 4,546

Brokerage and direct $ 35,263  $ 36,972  $ 38,818  $ 39,420  $ 38,886  $ 35,263  $ 38,886

Total Wealth Management assets (incl. acquired assets) $ 102,057  $ 110,265  $ 118,196  $ 122,014  $ 131,037  $ 102,057  $ 131,037

Cash balances $ 2,985  $ 3,004  $ 3,143  $ 3,299  $ 3,319  $ 2,985  $ 3,319

Advisors

Advisors 4,502  4,476  4,446  4,582  4,605  4,502  4,605

Revenue per advisor TTM (in thousands USD) $ 410  $ 414  $ 426  $ 440  $ 456  $ 410  $ 456

1Q 2026 Financial Supplement

19

Corporate and Other - Operating Earnings (Loss) and Summary Metrics

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Change 3/31/2025 3/31/2026 Change

Revenues

Policy charges, fee income and premiums $ 634 $ 599 $ 433 $ 331 $ 362 (42.9) % $ 634 $ 362 (42.9) %

Net investment income (loss) 227 274 183 104 39 (82.8) % 227 39 (82.8) %

Net derivative gains (losses) 9 (12) (13) (5) 2 (77.8) % 9 2 (77.8) %

Investment management, service fees and other income 139 116 134 127 122 (12.2) % 139 122 (12.2) %

Segment revenues 1,009 977 737 557 525 (48.0) % 1,009 525 (48.0) %

Benefits and other deductions

Policyholders’ benefits 667 711 438 312 315 (52.8) % 667 315 (52.8) %

Remeasurement of liability for future policy benefits (1) (13) 16 (7) 10 N/M (1) 10 N/M

Interest credited to policyholders’ account balances 133 173 96 43 51 (61.7) % 133 51 (61.7) %

Commissions and distribution-related payments 83 72 82 81 78 (6.0) % 83 78 (6.0) %

Amortization of deferred policy acquisition costs 49 50 50 49 49 —  % 49 49 —  %

Compensation and benefits, interest expense, financing fees and other operating costs and expense (1) 228 210 222 205 154 (32.5) % 228 154 (32.5) %

Segment benefits and other deductions 1,159 1,203 904 683 657 (43.3) % 1,159 657 (43.3) %

Operating earnings (loss), before income taxes (150) (226) (167) (126) (132) 12.0  % (150) (132) 12.0  %

Income taxes 23 44 8 6 15 (34.8) % 23 15 (34.8) %

Operating earnings (loss), before noncontrolling interest (127) (182) (159) (120) (117) 7.9  % (127) (117) 7.9  %

Less: Operating (earnings) loss attributable to the noncontrolling interest (3) (1) (4) (3) (2) 33.3  % (3) (2) 33.3  %

Operating earnings (loss) $ (130) $ (183) $ (163) $ (123) $ (119) 8.5  % $ (130) $ (119) 8.5  %

Additional Detail

Net investment income (loss):

Investment income, excluding alternatives $ 211 $ 246 $ 144 $ 76 $ 30 (85.8) % $ 211 $ 30 (85.8) %

Alternative investment income

16 28 39 28 9 (43.8) % 16 9 (43.8) %

Total net investment income (loss)

$ 227 $ 274 $ 183 $ 104 $ 39 (82.8) % $ 227 $ 39 (82.8) %

(1) Interest expense on EQH debt

$ 55 $ 58 $ 56 $ 52 $ 52 (5.5) % $ 55 $ 52 (5.5) %

1Q 2026 Financial Supplement

20

Corporate and Other - Select Operating Metrics

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 3/31/2025 3/31/2026

Individual Life (Net of Reinsurance)

First Year Premiums and Deposits:

Variable Universal Life $ 90 $ 99 $ 91 $ 93 $ 74 $ 90 $ 74

Other 5 4 4 3 3 5 3

Total First Year Premiums and Deposits $ 95 $ 103 $ 95 $ 96 $ 77 $ 95 $ 77

Renewal Premiums and Deposits:

Universal Life/ Indexed Universal Life $ 224 $ 206 $ 121 $ 50 $ 54 $ 224 $ 54

Variable Universal Life 272 262 179 89 75 272 75

Other 85 79 41 28 46 85 46

Total Renewal Premiums and Deposits $ 581 $ 547 $ 341 $ 167 $ 176 $ 581 $ 176

Total Premiums and Deposits

$ 676 $ 650 $ 436 $ 263 $ 253 $ 676 $ 253

Individual Life Benefit Ratio 105.3  % 113.5  % 93.9  % 90.1  % 83.1  % 105.3  % 83.1  %

Individual Life In-force Face Amount (in billions USD) $ 353.0 $ 352.1 $ 113.4 $ 116.6 $ 115.5 $ 353.0 $ 115.5

Employee Benefits

First Year Premiums and Deposits $ 35 $ 31 $ 33 $ 28 $ 30 $ 35 $ 30

Renewal Premiums and Deposits 85 86 87 91 91 85 91

Total Premiums and Deposits

$ 120 $ 117 $ 120 $ 119 $ 121 $ 120 $ 121

Legacy Annuity

Net flows (1)

$ (719) $ (580) $ (634) $ (796) $ (709) $ (719) $ (709)

Account value - balance, end of period $ 19,912 $ 20,490 $ 20,939 $ 20,386 $ 19,061 $ 19,912 $ 19,061

Net Amount at Risk (NAR)

Total GMIB NAR $ 2,706 $ 2,489 $ 2,370 $ 2,340 $ 2,383 $ 2,706 $ 2,383

Total GMDB NAR $ 9,034 $ 8,411 $ 7,958 $ 7,852 $ 8,184 $ 9,034 $ 8,184

MRB Reserves (Net of Reinsurance) $ 3,532 $ 3,271 $ 3,418 $ 3,374 $ 3,070 $ 3,532 $ 3,070

Notes:

(1) Net of the Venerable transaction

1Q 2026 Financial Supplement

21

Investments

1Q 2026 Financial Supplement

22

Consolidated Investment Portfolio Composition

Balances as of

(in millions USD, unless otherwise indicated) December 31, 2025 March 31, 2026

Amount (1) % of Total Amount (1) % of Total

Composition of investment portfolio

Fixed maturities, available-for-sale, at fair value $ 77,162  57.9  % $ 78,808  59.9  %

Fixed maturities, at fair value using the fair value option 2,943  2.2  % 2,934  2.2  %

Mortgage loans, at fair value using the fair value option 50  —  % 72  0.1  %

Mortgage loans on real estate 22,668  17.0  % 22,785  17.3  %

Policy loans 1,862  1.4  % 1,845  1.4  %

Other equity investments 3,779  2.8  % 3,670  2.8  %

Other invested assets 10,968  8.2  % 9,920  7.5  %

Subtotal investment assets 119,432  89.5  % 120,034  91.2  %

Trading securities 1,572  1.2  % 1,645  1.3  %

Total investments 121,004  90.7  % 121,679  92.5  %

Cash and cash equivalents 12,462  9.3  % 9,904  7.5  %

Total $ 133,466  100.0  % $ 131,583  100.0  %

General Account AFS Fixed maturities by industry (Based on amortized cost)

Corporate securities:

Finance $ 14,676  17.9  % $ 15,505  18.4  %

Manufacturing 9,904  12.1  % 10,111  12.0  %

Utilities 7,873  9.6  % 7,939  9.4  %

Services 7,328  8.9  % 7,190  8.5  %

Energy 2,373  2.9  % 2,598  3.1  %

Retail and wholesale 3,047  3.7  % 3,147  3.7  %

Transportation 2,162  2.6  % 2,260  2.7  %

Other 376  0.5  % 533  0.5  %

Total corporate securities 47,739  58.2  % 49,283  58.3  %

U.S. government and agency 5,040  6.2  % 5,058  6.0  %

Residential mortgage-backed (2) 7,093  8.7  % 7,673  9.1  %

Preferred stock 54  0.1  % 54  0.1  %

State & political 378  0.5  % 378  0.4  %

Foreign governments 556  0.7  % 553  0.7  %

Commercial mortgage-backed 4,814  5.9  % 4,880  5.8  %

Asset-backed securities 16,142  19.7  % 16,501  19.6  %

Total $ 81,816  100.0  % $ 84,380  100.0  %

General Account AFS Fixed maturities credit quality (3) (Based on amortized cost)

Aaa, Aa, A (NAIC Designation 1) $ 56,880  69.5  % $ 59,142  70.1  %

Baa (NAIC Designation 2) 23,488  28.7  % 23,839  28.3  %

Investment grade 80,368  98.2  % 82,981  98.3  %

Below investment grade (NAIC Designation 3 and 4) 1,448  1.8  % 1,399  1.7  %

Total $ 81,816  100.0  % $ 84,380  100.0  %

Notes:

(1) Investment data has been classified based on standard industry categorizations for domestic public holdings and similar classifications by industry for all other holdings.

(2) Includes publicly traded agency pass-through securities and collateralized obligations.

(3) Credit quality based on NAIC rating.

1Q 2026 Financial Supplement

23

Consolidated Results of General Account Investment Portfolio

For the Three Months Ended Year Ended or As of

(in millions USD, unless otherwise indicated) March 31, 2025 March 31, 2026 December 31, 2025

Yield Amount (2) Yield Amount (2) Yield Amount (2)

Fixed Maturities:

Income (loss) 4.39  % $ 928  4.56  % $ 948  4.41  % $ 3,693

Ending assets 84,784  84,380  81,816

Mortgages:

Income (loss) 5.11  % 260  5.27  % 299  4.96  % 1,061

Ending assets 20,566  22,860  22,718

Other Equity Investments (1):

Income (loss) 6.23  % 53  3.23  % 29  5.22  % 185

Ending assets 3,484  3,462  3,519

Trading Securities:

Income 5.57  % 8  5.97  % 12  5.80  % 42

Ending assets 619  864  804

Policy Loans:

Income 5.07  % 55  5.14  % 24  4.57  % 168

Ending assets 4,318  1,845  1,862

Cash and Short-term Investments:

Income (loss) 4.35  % 40  3.41  % 66  3.94  % 323

Ending assets 4,106  6,290  9,103

Total Net Investment Income:

Investment income 4.60  % 1,344  4.60  % 1,378  4.51  % 5,472

Less: investment fees

(0.17) % (49) (0.17) % (53) (0.16) % (199)

Investment income, net 4.43  % $ 1,295  4.43  % $ 1,325  4.35  % $ 5,273

General Account Ending Net Assets $ 117,877  $ 119,701  $ 119,822

Operating Earnings adjustments:

AB and other non-General Account investment income (loss)

(50) (64) 10

Operating Net investment income (loss) $ 1,245  $ 1,261  $ 5,283

Notes:

(1) Includes, as of March 31, 2026, March 31, 2025 and December 31, 2024, $415 million, $362 million and $439 million of other invested assets. Amounts for certain consolidated VIE investments are shown net of associated non-controlling interest.

(2) Amount for fixed maturities and mortgages represents original cost, reduced by repayments, write-downs, adjusted amortization of premiums, accretion of discount and allowances. Cost for equity securities represents original cost reduced by write-downs; cost for other limited partnership interests represents original cost adjusted for equity in earnings and reduced by distributions.

1Q 2026 Financial Supplement

24

Additional Information

1Q 2026 Financial Supplement

25

Deferred Policy Acquisition Costs Rollforward

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 3/31/2025 3/31/2026

Total

Beginning balance $ 7,170  $ 7,262  $ 7,361  $ 7,430  $ 7,523  $ 7,170  $ 7,523

Capitalization of commissions, sales and issue expenses 282  292  283  312  301  282  301

Amortization (190) (193) (201) (205) (209) (190) (209)

Recovery of acquisition cost (1) —  —  (13) (14) (31) —  (31)

Ending balance $ 7,262  $ 7,361  $ 7,430  $ 7,523  $ 7,584  $ 7,262  $ 7,584

Retirement

Beginning balance $ 4,780  $ 4,872  $ 4,972  $ 5,062  $ 5,162  $ 4,780  $ 5,162

Capitalization of commissions, sales and issue expenses 231  243  243  265  260  231  260

Amortization (139) (143) (153) (156) (160) (139) (160)

Recovery of acquisition cost (1) —  —  —  (9) (18) —  (18)

Ending balance $ 4,872  $ 4,972  $ 5,062  $ 5,162  $ 5,244  $ 4,872  $ 5,244

Corporate and Other

Beginning balance $ 2,390  $ 2,390  $ 2,389  $ 2,368  $ 2,361  $ 2,390  $ 2,361

Capitalization of commissions, sales and issue expenses 51  49  40  47  41  51  41

Amortization (51) (50) (48) (49) (49) (51) (49)

Recovery of acquisition cost (1) —  —  (13) (5) (13) —  (13)

Ending balance $ 2,390  $ 2,389  $ 2,368  $ 2,361  $ 2,340  $ 2,390  $ 2,340

Notes:

(1) Related to third party reinsurance transactions.

1Q 2026 Financial Supplement

26

Use of Non-GAAP Financial Measures

In addition to our results presented in accordance with U.S. GAAP, we report Non-GAAP Operating Earnings, and Non-GAAP operating common EPS, each of which is a measure that is not determined in accordance with U.S. GAAP. Management principally uses these Non-GAAP financial measures in evaluating performance because they present a clearer picture of our operating performance and they allow management to allocate resources. Similarly, management believes that the use of these Non-GAAP financial measures, together with relevant U.S. GAAP measures, provide investors with a better understanding of our results of operations and the underlying profitability drivers and trends of our business. These Non-GAAP financial measures are intended to remove from our results of operations the impact of market changes (where there is a mismatch in the valuation of assets and liabilities) as well as certain other expenses which are not part of our underlying profitability drivers or likely to re-occur in the foreseeable future, as such items fluctuate from period-to-period in a manner inconsistent with these drivers. These measures should be considered supplementary to our results that are presented in accordance with U.S. GAAP and should not be viewed as a substitute for the U.S. GAAP measures. Other companies may use similarly titled Non-GAAP financial measures that are calculated differently from the way we calculate such measures. Consequently, our Non-GAAP financial measures may not be comparable to similar measures used by other companies.

We also discuss certain operating measures, including AUM, AUA, AV, policy reserves and certain other operating measures, which management believes provide useful information about our businesses and the operational factors underlying our financial performance.

Non-GAAP Operating Earnings

Non-GAAP Operating Earnings is an after-tax Non-GAAP financial measure used to evaluate our financial performance on a consolidated basis that is determined by making certain adjustments to our consolidated after-tax net income attributable to Holdings. The most significant of such adjustments relates to our derivative positions, which protect economic value and statutory capital, and the variable annuity product MRBs. This is a large source of volatility in net income.

Non-GAAP Operating Earnings equals our consolidated after-tax net income attributable to Holdings adjusted to eliminate the impact of the following items:

• Items related to variable annuity product features, which include: (i) changes in the fair value of MRB and purchased MRB, including the related attributed fees and claims, offset by derivatives and other securities used to hedge the MRB which result in residual net income volatility as the change in fair value of certain securities is reflected in OCI and due to our statutory capital hedge program; and (ii) market adjustments to deposit asset or liability accounts arising from reinsurance agreements which do not expose the reinsurer to a reasonable possibility of a significant loss from insurance risk;

• Investment (gains) losses, which includes credit loss impairments of securities/investments, sales or disposals of securities/investments, realized capital gains/losses and valuation allowances;

• Net actuarial (gains) losses, which includes actuarial gains and losses as a result of differences between actual and expected experience on pension plan assets or projected benefit obligation during a given period related to pension, other postretirement benefit obligations, and the one-time impact of the settlement of the defined benefit obligation;

• Other adjustments, which primarily include restructuring costs related to severance and separation, lease write-offs related to non-recurring restructuring activities, net derivative gains (losses) on certain Non-GMxB derivatives, net investment income from certain items including consolidated VIE investments, seed capital mark-to-market adjustments, unrealized gain/losses and realized capital gains/losses from sales or disposals of select securities, certain legal accruals; a bespoke deal to repurchase UL policies from one entity that had invested in numerous policies purchased in the life settlement market, which disposed of the risk of additional COI litigation by that entity related to those UL policies, impact of the annual actuarial assumption updates attributable to LFPB when the majority of the impact relates to the non-core business; and

• Income tax expense (benefit) related to the above items and non-recurring tax items, which includes the effect of uncertain tax positions for a given audit period and changes to the deferred tax valuation allowance.

In the third quarter of 2025, the Company updated its net investment income (“NII”) segment reporting to better align with our GAAP segments, as well as the reporting of our spread lending programs' income and expenses. Previously, direct and allocated segment NII were recorded based on assets tied to statutory asset tagging and net statutory liabilities for allocation. To better align with our GAAP segments, the Company changed the recording methodology for direct NII. It is now based on the book yields of assets tied to specific segments, considering general account values plus reserves, net of embedded derivatives. Indirect NII, which was previously allocated based on net statutory liabilities, is now allocated based on general account values and reserves, net of embedded derivatives. Additionally, revenues and expenses from our spread lending programs are now primarily recorded within the Retirement segment. Previously, spread lending revenues and expenses were recorded in Corporate and Other, with the excess of revenues over expenses allocated to the insurance segments based on net statutory liabilities. Prior periods have been revised to reflect these changes.

Because Non-GAAP Operating Earnings excludes the foregoing items that can be distortive or unpredictable, management believes that this measure enhances the understanding of the Company’s underlying drivers of profitability and trends in our business, thereby allowing management to make decisions that will positively impact our business.

We use the prevailing corporate federal income tax rate of 21% while taking into account any non-recurring differences for events recognized differently in our financial statements and federal income tax returns as well as partnership income taxed at lower rates when reconciling Net income (loss) attributable to Holdings to Non-GAAP Operating Earnings.

1Q 2026 Financial Supplement

27

Use of Non-GAAP Financial Measures

"Non-GAAP Operating ROE"

We calculate Non-GAAP Operating ROE by dividing Non-GAAP Operating Earnings for the previous twelve calendar months by consolidated average equity attributable to Holdings’ common shareholders, excluding AOCI. AOCI fluctuates period-to-period in a manner inconsistent with our underlying profitability drivers as the majority of such fluctuation is related to the market volatility of the unrealized gains and losses associated with our AFS securities. Therefore, we believe excluding AOCI is more effective for analyzing the trends of our operations.

Book Value per common share, excluding AOCI

We use the term “book value” to refer to “Total equity attributable to Holdings' common shareholders.” Book Value per common share, excluding AOCI, is our stockholder’s equity, excluding AOCI, divided by ending common shares outstanding.

Non-GAAP Operating Earnings per common share

Non-GAAP Operating Earnings per common share is calculated by dividing Non-GAAP Operating Earnings less preferred stock dividends by diluted common shares outstanding.

1Q 2026 Financial Supplement

28

Reconciliation of Non-GAAP Measures (1/3)

For the Three Months Ended or As of For the Three Months Ended

(in millions USD, unless otherwise indicated) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 3/31/2025 3/31/2026

Net income (loss) attributable to Holdings

Net income (loss) attributable to Holdings $ 63  $ (349) $ (1,309) $ 215  $ 621  $ 63  $ 621

Adjustments related to:

Variable annuity product features (1)

211  934  978  258  (386) 211  (386)

Investment (gains) losses, net (2)

14  71  1,170  84  29  14  29

Net actuarial (gains) losses related to pension and other postretirement benefit obligations 11  11  19  9  14  11  14

Other adjustments (3) (4) (5) 205  (137) (164) 21  148  205  148

Income tax expense (benefit) related to above adjustments (92) (185) (437) (62) 41  (92) 41

Non-recurring tax items 9  7  198  (12) 5  9  5

Non-GAAP Operating Earnings (6)

$ 421  $ 352  $ 455  $ 513  $ 472  $ 421  $ 472

Net income (loss) attributable to Holdings $ 0.20  $ (1.15) $ (4.42) $ 0.74  $ 2.19  $ 0.20  $ 2.19

Less: Preferred stock dividends 0.04  0.06  0.05  0.04  0.05  0.04  0.05

Net income (loss) available to Holdings' common shareholders 0.16  (1.21) (4.47) 0.70  2.14  0.16  2.14

Adjustments related to:

Variable annuity product features (1) 0.68  3.08  3.30  0.89  (1.36) 0.68  (1.36)

Investment (gains) losses, net (2) 0.04  0.23  3.95  0.29  0.10  0.04  0.10

Net actuarial (gains) losses related to pension and other postretirement benefit obligations 0.04  0.04  0.06  0.03  0.05  0.04  0.05

Other adjustments (3) (4) (5) 0.64  (0.45) (0.55) 0.07  0.53  0.64  0.53

Income tax expense (benefit) related to above adjustments (0.29) (0.61) (1.48) (0.21) 0.14  (0.29) 0.14

Non-recurring tax items 0.03  0.02  0.67  (0.04) 0.02  0.03  0.02

Non-GAAP Operating Earnings (loss) available to Holdings' common shareholders (6)

$ 1.30  $ 1.10  $ 1.48  $ 1.73  $ 1.62  $ 1.30  $ 1.62

Book Value per common share

Book Value per common share $ 2.92  $ (0.26) $ (3.18) $ (4.03) $ (2.83) $ 2.92  $ (2.83)

Less: Per share impact of AOCI (24.70) (24.63) (21.41) (22.17) (22.39) (24.70) (22.39)

Book value per common share (ex. AOCI) $ 27.62  $ 24.37  $ 18.23  $ 18.14  $ 19.56  $ 27.62  $ 19.56

Notes:

(1) As a result of the novation of certain Legacy VA policies completed during the first quarter of 2025, the Company recorded a loss of $499 million in pre-tax net income and an increase of $263 million in pre-tax AOCI, for a total impact loss of $236 million for the three months ended March 31, 2025 and year ended December 31, 2025. The impact per common share is $1.60 and $1.67 for the three months ended March 31, 2025 and year ended December 31, 2025, respectively.

(2) Includes $1.1 billion as a result of assets transferred related to the reinsurance transaction with RGA for the three months ended September 30, 2025. The impact per common shares is $3.86 for the three months ended September 30, 2025.

(3) Includes the following impacts on Non-VA derivatives: a loss of $165 million or $0.53 for the three months ended March 31, 2025, a gain of $198 million or $0.65 for the three months ended June 30, 2025, a gain of $230 million or $0.78 for the three months ended September 30, 2025, a gain of $41 million or $0.14 for the three months ended December 31, 2025, and a loss of $146 million or $0.51 for the three months ended March 31, 2026. Also, for the three months ended June 30, 2025 and September 30, 2025, and the three months ended December 31, 2025, includes $14 million or $0.05, $(8) million or $(0.03) and $6 million or $0.02, respectively, of expense related to a disputed billing practice of an AB third-party service provider.

(4) For the three months ended March 31, 2025, includes $82 million of the gain on sale on AB's Bernstein Research Service attributable to Holdings. The impact per common share is $0.25 for the three months ended March 31, 2025.

(5) For the three months ended March 31, 2025, includes $78 million contingent payment gain recognized related to a fair value remeasurement of the contingent payment liability associated with AB's acquisition of CarVal in 2022. The impact per common share is $0.24 for the three months ended March 31, 2025, respectively.

(6) This measure is a Non-GAAP financial measure. For an explanation of our use of Non-GAAP financial measures, refer to the “Use of Non-GAAP Financial Measures” and "Glossary of Selected Financial and Product Terms" sections of this document. For a reconciliation of this item to the most directly comparable GAAP measure, refer to the “Non-GAAP Reconciliation” section in this document.

1Q 2026 Financial Supplement

29

Reconciliation of Non-GAAP Measures (2/3)

As of and for the Twelve Months Ended

(in millions USD, unless otherwise indicated) 9/30/2025 12/31/2025 3/31/2026

Net Income to Non-GAAP Operating Earnings

Net income (loss) attributable to Holdings $ (703) $ (1,380) $ (822)

Adjustments related to:

Variable annuity product features 1,593 2,381 1,784

Investment (gains) losses 1,287 1,339 1,354

Net actuarial (gains) losses related to pension and other postretirement benefit obligations 57 50 53

Other adjustments (62) (75) (132)

Income tax expense (benefit) related to above adjustments (620) (776) (643)

Non-recurring tax items 191 202 198

Non-GAAP Operating Earnings $ 1,743 $ 1,741 $ 1,792

Return on Equity and Non-GAAP Operating Return on Equity - Trailing twelve months

Net income (loss) attributable to Holdings $ (703) $ (1,380) $ (822)

Less: Preferred stock (74) (61) (61)

Net income (loss) available to Holdings' common shareholders $ (777) $ (1,441) $ (883)

Average equity attributable to Holdings' common shareholders (ex. AOCI) $ 7,464 $ 6,556 $ 5,817

Return on Equity (ex. AOCI) (10.4) % (22.0) % (15.2) %

Non-GAAP Operating Earnings $ 1,743 $ 1,741 $ 1,792

Less: Preferred stock (74) (61) (61)

Non-GAAP Operating Earnings available to Holdings' common shareholders $ 1,669 $ 1,680 $ 1,731

Average equity attributable to Holdings' common shareholders (ex. AOCI) $ 7,464 $ 6,556 $ 5,817

Non-GAAP Operating Return on Equity (ex. AOCI) 22.4  % 25.6  % 29.8  %

1Q 2026 Financial Supplement

30

Reconciliation of Non-GAAP Measures (3/3)

Balances as of

(in millions USD, unless otherwise indicated) 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026

Equity Reconciliation - Quarter-end Balances

Total equity attributable to Holdings' shareholders $ 1,598  $ 3,201  $ 1,565  $ 2,401  $ 1,149  $ 148  $ (74) $ 273

Less: Preferred Stock 1,562  1,562  1,507  1,507  1,228  1,068  1,068  1,068

Total equity attributable to Holdings' common shareholders 36  1,639  58  894  (79) (920) (1,142) (795)

Less: Accumulated other comprehensive income (loss) (8,675) (6,601) (8,712) (7,567) (7,432) (6,191) (6,280) (6,300)

Total equity attributable to Holdings' common shareholders (ex. AOCI) $ 8,711  $ 8,240  $ 8,770  $ 8,461  $ 7,353  $ 5,271  $ 5,138  $ 5,505

Balances as of

(in millions USD, unless otherwise indicated) 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026

Equity Reconciliation - Twelve Month Rolling Average

Total equity attributable to Holdings' shareholders $ 1,953  $ 2,357  $ 2,089  $ 2,191  $ 2,079  $ 1,316  $ 906  $ 374

Less: Preferred Stock 1,562  1,562  1,548  1,535  1,451  1,328  1,218  1,108

Total equity attributable to Holdings' common shareholders 391  795  541  656  628  (12) (312) (734)

Less: Accumulated other comprehensive income (loss) (8,632) (7,816) (8,045) (7,889) (7,578) (7,476) (6,868) (6,551)

Total equity attributable to Holdings' common shareholders (ex. AOCI) $ 9,023  $ 8,611  $ 8,586  $ 8,545  $ 8,206  $ 7,464  $ 6,556  $ 5,817

1Q 2026 Financial Supplement

31

Glossary of Selected Financial and Product Terms

Account Value (“AV”) - AV generally equals the aggregate policy account value of our retirement and protection products. General Account AV refers to account balances in investment options that are backed by the General Account while Separate Accounts AV refers to Separate Accounts investment assets. AV is reflected net of reinsurance.

Advisory Assets - Assets invested in a variety of investments using an asset allocation model designed for the client’s objectives. The client is charged a fee based on the value of the assets in the account.

Annualized premiums - 100% of first year recurring premiums (up to target) and 10% of excess first year premiums or first year premiums from single premium products.

Assets Under Administration (“AUA”) - AUA includes non-insurance client assets that are invested in our savings and investment products or serviced by our Equitable Advisors platform. We provide administrative services for these assets and generally record the revenues received as distribution fees.

Assets Under Management (“AUM”) - AUM means investment assets that are managed by one of our subsidiaries and includes: (i) assets managed by AB; (ii) the assets in our General Account investment portfolio; and (iii) the Separate Account assets of our Retirement and Life businesses. Total AUM reflects exclusions between segments to avoid double counting.

Average Account Value (TTM) - Calculated as an average of the previous twelve calendar months total Account Value balance, net of embedded derivative instruments where applicable.

Benefit base - A notional amount (not actual cash value) used to calculate the owner’s guaranteed benefits within an annuity contract. The death benefit and living benefit within the same contract may not have the same benefit base.

Brokerage Assets - Brokerage accounts which allow clients a variety of investments, including mutual funds, exchange traded products, equities and fixed income, to be managed in one account. The client is charged for all buy and sell transactions.

Current Product Offering (Retirement) - Products sold 2011 and later.

Deferred policy acquisition costs (“DAC”) - Represents the incremental costs related directly to the successful acquisition of new and certain renewal insurance policies and annuity contracts and which have been deferred on the balance sheet as an asset.

Direct Assets - Mutual Funds purchased through and registered directly with an asset management company. No other agents, such as brokers or distributors, are involved in the transactions.

Equitable Advisors - means Equitable Advisors, LLC, a Delaware limited liability company, our retail broker/dealer for our retirement and protection businesses and a wholly-owned indirect subsidiary of Holdings.

Fixed Rate (Retirement) - Pre-2011 GMxB products.

FYP - First year premium and deposits.

GMxB - A general reference to all forms of variable annuity guaranteed benefits, including guaranteed minimum living benefits, or GMLBs (such as GMIBs, GMWBs and GMABs), and guaranteed minimum death benefits, or GMDBs (inclusive of return of premium death benefit guarantees).

Gross premiums - FYP and Renewal premium and deposits.

Guaranteed minimum death benefits (“GMDB”) - An optional benefit (available for an additional cost) that guarantees an annuitant’s beneficiaries are entitled to a minimum payment based on the benefit base, which could be greater than the underlying AV, upon the death of the annuitant.

Guaranteed minimum income benefits (“GMIB”) - An optional benefit (available for an additional cost) where an annuitant is entitled to annuitize the policy and receive a minimum payment stream based on the benefit base, which could be greater than the underlying AV.

Guaranteed minimum living benefits (“GMLB”) - A reference to all forms of guaranteed minimum living benefits, including GMIBs, GMWBs and GMABs (does not include GMDBs).

Individual Life Benefit Ratio - Policyholders’ benefits as a percent of policy charges, fee income and premium and investment management and services fees (net of reinsurance).

Invested assets - Includes fixed maturity securities, equity securities, mortgage loans, policy loans, alternative investments and short-term investments.

Liability for future policy benefits - the liability related to life insurance policies such as non-participating traditional life insurance policies (Term) and limited pay contracts (Payout, Pension).

Life Reserves - Equals the aggregate value of Policyholders’ account balances and future policy benefits for policies.

Market risk benefits - (“MRBs”) are contracts or contract features that provide protection to the contract holder from other than nominal capital market risk and expose the Company to other than nominal capital market risk. Market risk benefits include contract features that provide minimum guarantees to policyholders and include GMIB, GMDB, GMWB, GMAB, and ROP DB benefits.

Net flows - Net change in customer account balances in a period including, but not limited to, gross premiums, surrenders, withdrawals and benefits. It excludes investment performance, interest credited to customer accounts and policy charges.

Net interest margin - Net investment income (loss) plus net derivative gains (losses) less interest credited to policyholder's account balances.

Net long-term flows - Net change of assets under management in a period which includes new sales net of redemptions of mutual funds and terminations of separately managed accounts and cash flow which includes both cash invested or withdrawn by existing clients. In addition, cash flow includes fees received from certain clients. It excludes the impact of the markets.

Net new assets - Consists of total client deposits into advisory accounts less total client withdrawals from advisory accounts, plus dividends, plus interest, minus advisory fees. AUA reflects adjusted balances with no financial impact.

Premiums and deposits - Amounts a policyholder agrees to pay for an insurance policy or annuity contract that may be paid in one or a series of payments as defined by the terms of the policy or contract.

Pre-tax operating margin - Calculated as operating earnings, before income taxes, divided by revenue.

Renewal premium and deposits - Premiums and deposits after the first twelve months of the policy or contract.

1Q 2026 Financial Supplement

32

Glossary of Selected Financial and Product Terms

Return of Premium (“ROP”) death benefit - This death benefit pays the greater of the account value at the time of a claim following the owner’s death or the total contributions to the contract (subject to adjustment for withdrawals). The charge for this benefit is usually included in the M&E fee that is deducted daily from the net assets in each variable investment option. We also refer to this death benefit as the Return of Principal death benefit.

Return on Assets - Calculated as trailing twelve months operating earnings (loss), before income taxes, divided by trailing twelve months average account value, net of embedded derivative instruments.

Return on Equity (ex. AOCI) - Calculated as trailing twelve months net income (loss) attributable to Holdings' common shareholders divided by average equity attributable to Holdings' common shareholders, excluding Accumulated Other Comprehensive Income (“AOCI”).

Revenue per advisor - Calculated as trailing twelve months revenue divided by the average number of advisors for each of the most recent four quarters.

Trailing Twelve Months ("TTM") - The twelve calendar months preceding the balance sheet date of a given reporting period.

1Q 2026 Financial Supplement

33

Analyst Coverage, Ratings & Contact Information

Analyst Coverage

Firm Analyst Phone Number

Barclays Alex Scott

1 (212) 526-1561

BMO Jack Matten 1 (212) 671-8000

Deutsche Bank Cave Montazeri 1 (212) 250-2798

Dowling & Partners Joel Hurwitz 1 (860) 676-7312

Evercore ISI Thomas Gallagher 1 (212) 446-9439

Jefferies Suneet Kamath 1 (212) 778-8602

J.P. Morgan Pablo Singzon II 1 (212) 622-2295

KBW Ryan Krueger 1 (860) 722-5930

Mizuho Securities Yaron Kinar 1 (646) 445-0248

Morgan Stanley Bob Jian Huang 1 (212) 761-6136

Raymond James Wilma Burdis 1 (727) 567-9371

Truist Securities Mark Hughes 1 (615) 748-4422

UBS Michael Ward 1 (917) 270-2483

Wells Fargo Securities Wes Carmichael 1 (212) 214-5335

Wolfe Research Tracy Dolin-Benguigui 1 (646) 419-2560

This list is provided for informational purposes only. Equitable Holdings does not endorse the analyses, conclusions or recommendations contained in any reports issued by these or any other analysts.

Ratings

A.M. Best S&P Moody’s

Last review date Mar '26 Mar '26 Mar '26

Financial Strength Ratings:

Equitable Financial Life Insurance Company A A+ A1

Equitable Financial Life Insurance Company of America A A+ A1

Credit Ratings:

Equitable Holdings, Inc. bbb+ A- Baa1

Investor and Media Contacts

Contact Investor Relations Contact Media Relations

Erik Bass Laura Yagerman

IR@equitable.com

MediaRelations@equitable.com

ir.equitableholdings.com

1Q 2026 Financial Supplement

34

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