Ethos Technologies/$LIFE
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Capital at risk
About Ethos Technologies
Ethos Technologies Inc operates a technology-driven, direct-to-consumer platform for the distribution of life insurance products. Through its digital underwriting, data analytics, and proprietary technology, it enables consumers to explore, compare, and purchase life insurance policies online. The platform serves consumers, agents, and insurance carriers, and supports the application and policy issuance process through an online interface. The company works with insurance carriers to offer life insurance products in the United States through digital channels and independent agents. It generates revenue through commissions paid by carriers from policies activated and sold through its platform as well as from the provision of third-party administrator services for such policies.
- Ticker
- $LIFE
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 614
- Headquarters
- San Francisco, United States
- Website
- www.ethos.com
LIFE Metrics
BasicAdvanced
$2.2B
-
-$3.10
-
-
Price and volume
Market cap
$2.2B
52-week high
$42.55
52-week low
$9.45
Average daily volume
1.6M
Financial strength
Current ratio
1.517
Quick ratio
1.288
Long term debt to equity
0.002
Total debt to equity
0.004
Interest coverage (TTM)
-36.64%
Profitability
EBITDA (TTM)
-98.119
Gross margin (TTM)
98.13%
Net profit margin (TTM)
-18.14%
Operating margin (TTM)
-17.67%
Effective tax rate (TTM)
-6.04%
Revenue per employee (TTM)
$960,000
Management effectiveness
Return on assets (TTM)
-11.15%
Return on equity (TTM)
-26.11%
Valuation
Price to revenue (TTM)
2.116
Price to book
4.59
Price to tangible book (TTM)
4.6
Price to free cash flow (TTM)
17.449
Free cash flow yield (TTM)
5.73%
Free cash flow per share (TTM)
1.966
Growth
Revenue change (TTM)
83.24%
Earnings per share change (TTM)
-403.29%
What the Analysts think about LIFE
Analyst ratings (Buy, Hold, Sell) for Ethos Technologies stock.
Analyst projections of the future price of Ethos Technologies stock.
Bulls say / Bears say
Ethos is scaling rapidly: Q2 revenue rose 113% year on year to $189.6 million, while management raised full-year 2026 revenue guidance to $727–731 million and adjusted EBITDA guidance to $119–123 million. It also generated $35.7 million of operating cash flow in the quarter. (GlobeNewswire)
The platform is winning distribution across both channels: direct revenue grew 131% and third-party revenue 90% in Q2. That reduces reliance on a single route to market and suggests the model can serve consumers and independent agents at scale. (SEC filing)
Ethos is broadening its carrier and product reach, including a digital-first life insurance collaboration with Liberty Mutual and juvenile indexed universal life cover with North American. These relationships can expand its addressable market while strengthening the platform’s value to carriers. (Ethos Technologies, MarketChameleon)
Revenue remains heavily dependent on a small carrier group: three insurance carriers accounted for 88% of Q1 revenue, and three carriers represented 92% of outstanding accounts and commissions receivable at the end of Q2. Losing or weakening one major relationship could therefore hit sales and collections disproportionately. (SEC filing, Minnow Street)
Growth is not yet translating cleanly into GAAP earnings: Ethos reported a $146.9 million net loss for the first half of 2026, driven largely by stock-based compensation and related taxes after its listing. That creates a risk of dilution and makes adjusted profit measures more important than statutory earnings. (StockTitan, SEC filing)
Unit monetisation is under pressure: average revenue per activated policy fell 8% year on year to $1,758 in Q2 because of channel and product mix. If this decline continues, Ethos may need ever higher policy volumes and marketing spend to deliver its growth and margin targets. (SEC filing, TradingKey)
Data summarised monthly by Lightyear AI. Last updated on 26 Sept 2026.
LIFE Financial Performance
Revenues and expenses
LIFE Earnings Performance
Company profitability
Upcoming events
No upcoming events
LIFE News
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