FOXO Technologies Inc. (FOXO) AI Stock Analysis

FOXO Technologies Inc., based in Minneapolis, Minnesota, operates as a technology platform company advancing longevity science within the life insurance sector. Central to its offerings is FOXO Labs, a platform integrating saliva-based epigenetic biomarkers into accelerated underwriting protocols to optimize customer evaluation. The company also operates FOXO Life, which provides proprietary life insurance products alongside offerings from third-party carriers. These products combine longevity science insights with conventional life insurance coverage. Through these platforms, the company aims to enhance consumer health engagement, modernize underwriting, and reshape how life insurance policies are developed and marketed.

FOXO's revenue grew from $120,000 in FY2021 to $511,000 in FY2022, declined to $145,291 in FY2023, and then surged to $4.1M in FY2024 and $16.4M in FY2025, reflecting a 5-year revenue CAGR of 204.0%. Gross margin improved to 49.1% in FY2025 from 38.7% in FY2024 and 8.9% in FY2023. Operating margin was -63.1% in FY2025 compared to -12525.8% in FY2021. Net income remained negative at -$12.4M in FY2025, matching -$12.4M in FY2024. For the latest quarter ended June 30, 2026, quarterly revenue fell 9.6% year-over-year, bringing trailing twelve months revenue to $17.9M with a profit margin of -25.8%.

As of June 30, 2026, FOXO held $58,409 in cash and short-term investments against total debt of $20.7M, resulting in net debt of $20.6M. The current ratio stood at 0.12, with a debt-to-equity ratio of 20.90 on shareholders' equity of $988,306 and total assets of $45.9M. For FY2025, operating cash flow was -$3.9M and free cash flow was -$3.9M, with capital expenditures of $62,021. Over a 5-year period, the company's share count increased 16535.2%.

At a closing price of $0.11 on October 16, 2026, FOXO carries a market capitalization of $182,392 and an enterprise value of $20.8M. Its price-to-sales ratio is 0.0x, below the 4.1x median of its US-listed Healthcare peers. FOXO's price-to-book ratio is 0.2x, while EV to revenue is 1.2x. Over the past year, the stock fell 96.2% compared to a 16.8% gain for the S&P 500 benchmark (SPY). Over five years, the stock dropped 100.0% versus an 83.0% gain for the benchmark.

Analysts model a revenue estimate of $0 for the next fiscal year. FOXO registered 0 EPS beats over the last 4 quarters. The stock traded at $0.11 on October 16, 2026, reflecting a 55.9% discount versus its 200-day moving average. Institutional investors hold 5.0% of shares, insider ownership is 0.0%, and short interest represents 4.3% of the float.

This page is an AI-written research summary of FOXO Technologies Inc. (FOXO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FOXO income statement, FOXO balance sheet, FOXO key metrics, FOXO analyst forecast, FOXO chart. See the FOXO stock overview for the latest quote and news.