Ethos Technologies Inc. (LIFE) AI Stock Analysis

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. In addition, it provides term life insurance, whole life insurance, and indexed universal life insurance products. The platform also offers wills and estate planning, alongside supplemental health insurance products. Founded in 2016 and based in San Francisco, California, the company was formerly known as Ethos Insurance Corporation before changing its name to Ethos Technologies Inc. in August 2016.

Ethos grew revenue from $159.8M in FY2023 to $254.9M in FY2024 and $387.6M in FY2025, representing a two-year revenue CAGR of 55.8%. Gross margin expanded from 96.3% in FY2023 to 98.3% in FY2025, while operating margin improved from -1.8% to 18.8%. Annual net income rose from $1.7M in FY2023 to $71.2M in FY2025, resulting in diluted EPS of $0.46. Over the trailing twelve months ended June 30, 2026, revenue totaled $586.5M with an operating margin of 9.6% and a net profit margin of -18.1%. For the latest quarter ended June 30, 2026, quarterly revenue grew 113.4% year-over-year, while quarterly earnings fell 5.3%.

As of June 30, 2026, Ethos held $168.3M in cash and short-term investments against total debt of $20.0M, resulting in a net cash position of $148.3M. Total assets stood at $696.1M and shareholders' equity was $476.2M. The company maintains strong liquidity with a current ratio of 52.25 and a debt-to-equity ratio of 0.04. Free cash flow turned positive at $29.9M in FY2025, supported by $36.2M in operating cash flow and capital expenditures of $6.3M.

At a last close of $37.52 on October 16, 2026, Ethos carries a market capitalization of $2.44B and an enterprise value of $2.00B. The stock trades at a price-to-sales multiple of 4.2x and an EV-to-EBITDA multiple of 17.2x, compared to the median of its US-listed Financial Services peers at 3.2x and 11.7x, respectively. Its price-to-book ratio is 4.6x. Shares have traded between a 52-week low of $9.45 and a 52-week high of $42.55, while the S&P 500 returned 16.8% over the past year.

Ethos has 6 Strong Buy, 2 Buy, and 1 Hold ratings from analysts, with 0 Sell or Strong Sell ratings. The mean price target is $37.50, sitting 0.1% below the last close of $37.52. For the fiscal year ending December 31, 2026, analysts project revenue of $737.8M and EPS of $1.75, representing 25.2% EPS growth. Ethos has beaten EPS consensus estimates in 3 of the last 4 quarters, and its next earnings release date is November 2, 2026.

This page is an AI-written research summary of Ethos Technologies Inc. (LIFE). 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: LIFE income statement, LIFE balance sheet, LIFE key metrics, LIFE analyst forecast, LIFE chart. See the LIFE stock overview for the latest quote and news.