LIFE Stock Analysis: Ethos Technologies Common | NASDAQ
Insurance Brokers | NASDAQ, USA | Market Cap: 1.726m USD | 12M Return: 33.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.63M
Qual. Beats: 0
Rev. Trend: 100.0%
Warnings
No concerns identified
Tailwinds
Seasonality 0.4 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Ethos Technologies Inc. (NASDAQ: LIFE) is a U.S.-based company that operates as a third-party administrator for insurance policies, with its headquarters in San Francisco, California. The company is classified within the insurance brokers industry and is part of the broader financial services sector, focusing on technology-driven life insurance distribution.
The companys core offering is Ethos, a three-sided technology platform designed to connect three distinct user groups: consumers, insurance agents, and insurance carriers. This platform-based approach is characteristic of insurtech firms seeking to streamline the traditionally agent-heavy life insurance distribution process. The company also offers ancillary financial services including wills and estate planning as well as supplemental health insurance products.
Ethos distributes a range of life insurance products, including term life, whole life, and indexed universal life (IUL) coverage. Term life provides protection for a defined period, while whole life and IUL are forms of permanent coverage that include a cash value accumulation component. These product categories represent the standard segments of the U.S. individual life insurance market.
The company was incorporated in 2016, originally under the name Ethos Insurance Corporation, before adopting its current name in August of the same year. The business operates in the heavily regulated U.S. insurance market, where life insurance products are subject to state-level regulatory oversight and products are typically underwritten by partner carriers rather than issued directly by the platform operator.
- Life insurance policy volume growth drives top-line expansion
- Carrier partnership additions strengthen three-sided platform network effects
- Reinsurance cost trends pressure underwriting margins on new business
| Net Income: -107.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.14 > 0.02 and ΔFCF/TA 17.96 > 1.0 |
| NWC/Revenue: 77.43% < 20% (prev 42.05%; Δ 35.37% < -1%) |
| CFO/TA 0.09 > 3% & CFO 54.2m > Net Income -107.5m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 4.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (48.1m) vs 12m ago -23.06% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 95.70% > 50% (prev 64.39%; Δ 31.31% > 0%) |
| Interest Coverage Ratio: -33.95 > 6 (EBIT TTM -97.1m / Interest Expense TTM 2.86m) |
| A: 0.61 (Total Current Assets 489.3m - Total Current Liabilities 113.2m) / Total Assets 619.4m |
| B: -0.43 (Retained Earnings -268.9m / Total Assets 619.4m) |
| C: -0.19 (EBIT TTM -97.1m / Avg Total Assets 507.6m) |
| D: 2.48 (Book Value of Equity 441.3m / Total Liabilities 178.0m) |
| Altman-Z'' = 3.89 = AA |
| DSRI: 3.0 (Receivables 344.7m/45.4m, Revenue 485.8m/254.9m) |
| GMI: 1.00 (GM 97.44% / 97.05%) |
| AQI: 0.36 (AQ_t 0.19 / AQ_t-1 0.53) |
| SGI: 1.91 (Revenue 485.8m / 254.9m) |
| TATA: -0.26 (NI -107.5m - CFO 54.2m) / TA 619.4m) |
| Beneish M = -1.14 (Cap -4..+1) = D |
As of July 04, 2026, the stock is trading at USD 19.59 with a total of 349,700 shares traded. Over the past week, the price has changed by -26.54%, over one month by +52.96%, over three months by +122.92% and over the past year by +33.35%.
Current recommended Stop Loss: 16.20 (which is 17.3% or 2.1 ATR below the current price).
Ethos Technologies Common has no consensus analysts rating.
P/S = 3.5529
P/B = 2.6978
Revenue TTM = 485.8m USD
EBIT TTM = -97.1m USD
EBITDA TTM = -91.2m USD
Long Term Debt = 11.4m USD (estimated: total debt 23.2m - short term 11.9m)
Short Term Debt = 11.9m USD (from shortTermDebt, last quarter)
Debt = 25.3m USD (from shortLongTermDebtTotal, last quarter) + Leases 2.05m
Net Debt = -119.3m USD (calculated: Debt 25.3m - CCE 144.6m)
Enterprise Value = 1.61b USD (1.73b + Debt 25.3m - CCE 144.6m)
Interest Coverage Ratio = -33.95 (Ebit TTM -97.1m / Interest Expense TTM 2.86m)
EV/FCF = 18.47x (Enterprise Value 1.61b / FCF TTM 87.0m)
FCF Yield = 5.41% (FCF TTM 87.0m / Enterprise Value 1.61b)
FCF Margin = 17.90% (FCF TTM 87.0m / Revenue TTM 485.8m)
Net Margin = -22.12% (Net Income TTM -107.5m / Revenue TTM 485.8m)
Gross Margin = unknown ((Revenue TTM 485.8m - Cost of Revenue TTM 14.3m) / Revenue TTM)
Tobins Q-Ratio = 2.59 (Enterprise Value 1.61b / Total Assets 619.4m)
Interest Expense / Debt = 11.31% (Interest Expense 2.86m / Debt 25.3m)
Taxrate = 6.06% (4.59m / 75.7m)
NOPAT = -91.2m (EBIT -97.1m * (1 - 6.06%)) [loss with tax shield]
Current Ratio = 2.58 (Total Current Assets 489.3m / Total Current Liabilities 189.8m)
Debt / Equity = 0.06 (Debt 25.3m / totalStockholderEquity, last quarter 441.3m)
Debt / EBITDA = 1.31 (negative EBITDA) (Net Debt -119.3m / EBITDA -91.2m)
Debt / FCF = -1.37 (Net Debt -119.3m / FCF TTM 87.0m)
Total Stockholder Equity = 176.8m (last 4 quarters mean from totalStockholderEquity)
RoA = -21.17% (Net Income -107.5m / Total Assets 619.4m)
RoE = -60.79% (Net Income TTM -107.5m / Total Stockholder Equity 176.8m)
RoCE = -51.57% (EBIT -97.1m / Capital Employed (Equity 176.8m + L.T.Debt 11.4m))
RoIC = -15.32% (negative operating profit) (NOPAT -91.2m / Invested Capital 595.1m)
WACC = 15.85% (E(1.73b)/V(1.75b) * Re(15.93%) + D(25.3m)/V(1.75b) * Rd(11.31%) * (1-Tc(0.06)))
Discount Rate = 15.93% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: -59.76 | Cagr: -23.06%
[DCF] Terminal Value 53.73% ; FCFF base≈87.0m ; Y1≈87.3m ; Y5≈92.5m
[DCF] Fair Price = 24.34 (EV 633.3m - Net Debt -119.3m = Equity 752.6m / Shares 30.9m; r=15.85% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.66 | # QB: 0
Revenue Correlation: 99.95 | Revenue CAGR: 55.77% | SUE: N/A | # QB: 0
EPS next Quarter (2026-09-30): EPS=0.30 | Chg30d=-12.86% | Revisions=-14% | Analysts=3
EPS current Year (2026-12-31): EPS=1.35 | Chg30d=-10.84% | Revisions=-25% | GrowthEPS=-3.8% | GrowthRev=+45.7%
EPS next Year (2027-12-31): EPS=1.93 | Chg30d=-0.42% | Revisions=+0% | GrowthEPS=+43.0% | GrowthRev=+20.0%
[Analyst] Revisions Ratio: -25%