Ethos Technologies Inc. LIFE FINANCIAL
Company Overview
Ethos Technologies Inc. provides third-party administrator services for insurance policies in the United States. The company offers Ethos, a three-sided technology platform that serves an ecosystem of consumers, agents, and carriers. It also provides term life insurance, whole life insurance, and indexed universal life insurance products, as well as wills and estate planning, and supplemental health insurance products. The company was formerly known as Ethos Insurance Corporation and changed its name to Ethos Technologies Inc. in August 2016. The company was incorporated in 2016 and is based in San Francisco, California.
Why Investors Should Care
Return on capital employed stands at 18.1%.
Net profit has compounded at 549.0% per year over the last five years.
Revenue has grown at a 55.8% CAGR over the past five years.
Carries low leverage with a debt-to-equity ratio of 0.37.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $387.61M (+52.0% YoY); net profit $71.15M.
- Trailing 12 Months Year-on-year growth — revenue +113.4%, earnings -5.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 55.8%, profit CAGR 549.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 55.77% |
| 1 Year: | 113.40% |
Compounded Profit Growth
| 5 Years: | 549.05% |
| 1 Year: | -5.30% |
Stock Price Performance
| 1 Year: | +149.38% |
| 6 Months: | +217.37% |
| 3 Months: | +151.77% |
| 1 Month: | +32.93% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- RSI (14)74.24 · Overbought
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 55.8% over 5 years.
- Profit CAGR of 549.0% over 5 years.
- Generates positive free cash flow.
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | LIFE Ethos Technologies Inc. FINANCIAL | 42.02 | -25.16 | $1.33B | 0.00% | 18.13% | -26.11% | 55.77% | 549.05% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2025 | Jun 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|
| Revenue | 94.89M | 88.85M | 193.10M | 189.56M |
| Operating Income | 12.54M | 18.84M | -163.31M | 18.12M |
| Net Income | 12.25M | 18.47M | -166.39M | 19.53M |
| Diluted EPS | 0.21 | 0.31 | -3.57 | 0.30 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Revenue | 159.75M | 254.93M | 387.61M |
| Cost of Revenue | 5.90M | 6.53M | 6.73M |
| Gross Profit | 153.85M | 248.40M | 380.88M |
| Operating Expenses | 156.76M | 199.65M | 307.95M |
| Operating Income | -2.91M | 48.75M | 72.92M |
| EBITDA | 8.71M | 60.01M | 85.18M |
| Interest Expense | 723.00K | 595.00K | 3.17M |
| Pretax Income | 2.27M | 53.94M | 75.74M |
| Tax Provision | 586.00K | 5.10M | 4.59M |
| Net Income | 1.69M | 48.83M | 71.15M |
| Diluted EPS | 0.03 | 0.78 | 1.14 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Total Assets | - | 395.88M | 515.34M |
| Total Equity | -159.18M | -107.15M | -24.12M |
| Cash & Equivalents | - | 35.08M | 91.09M |
| Total Liabilities | - | 99.03M | 135.46M |
| Current Liabilities | - | 67.60M | 113.19M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Operating Cash Flow | -10.91M | 36.23M |
| Investing Cash Flow | -896.00K | 31.87M |
| Financing Cash Flow | 21.86M | -12.05M |
| Capital Expenditure | -776.00K | -1.49M |
| Free Cash Flow | -11.68M | 34.73M |
| Dividends Paid | - | 0 |
Ratios (Annual)
Figures in %.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Gross Margin % | 96.3% | 97.4% | 98.3% |
| Operating Margin % | -1.8% | 19.1% | 18.8% |
| Net Margin % | 1.1% | 19.2% | 18.4% |
| ROE % | -1.1% | -45.6% | -295.0% |
| ROCE % | - | 14.8% | 18.1% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Alphabet Inc. | 11.48% | 3.62M | $130.41M |
| 2 | Softbank Group Corporation | 9.92% | 3.13M | $112.64M |
| 3 | Divisadero Street Capital Management, LP | 5.18% | 1.64M | $58.89M |
| 4 | T. Rowe Price Investment Management, Inc. | 5.02% | 1.58M | $56.97M |
| 5 | Capital World Investors | 4.17% | 1.32M | $47.37M |
| 6 | Glade Brook Capital Partners LLC | 2.72% | 857.86K | $30.88M |
| 7 | Vanguard Capital Management LLC | 1.55% | 487.57K | $17.55M |
| 8 | UBS Group AG | 1.32% | 417.41K | $15.03M |
| 9 | Cannell Capital LLC | 1.29% | 408.50K | $14.71M |
| 10 | Healthcare of Ontario Pension Plan Trust Fund | 1.11% | 350.00K | $12.60M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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LIFE — Frequently Asked Questions
What is the current share price of Ethos Technologies Inc. (LIFE)?
As of 2026-09-19 21:16 PDT, Ethos Technologies Inc. (LIFE) trades at $42.02 on NasdaqGS. Its 52-week range is $9.85 to $42.02.
What is the market capitalisation of LIFE?
Ethos Technologies Inc. (LIFE) has a market capitalisation of $1.33B on NasdaqGS.
What is the P/E ratio of LIFE?
LIFE trades at a trailing price-to-earnings (P/E) ratio of -25.16. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 4.82.
What is the return on equity (ROE) of LIFE?
LIFE has a return on equity (ROE) of -26.11%. Its return on capital employed (ROCE) is 18.13%.
Is LIFE a good stock to buy?
This page provides a data-driven analysis of Ethos Technologies Inc. (LIFE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.