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Ethos Technologies Inc.

LIFE NASDAQ Categories PDF
Financial Services · Insurance - Life · United States · Updated May 11, 1:55pm
$30.34
Price
$1.9B
Market Cap
548
Employees
4.78
Beta
Peter George Colis
CEO
Business Description

Ethos Technologies Inc. provides third-party administrator services for insurance policies in United States, India, and Singapore. The company offers Ethos, a three-sided technology platform that transforms the buying, selling, and risk management experience of life insurance for consumers, agents, and carriers. Its products include term life insurance, whole life insurance policies, and indexed universal life insurance. The company also provides wills and estate planning; and supplemental health insurance products. It serves consumers, agents, and agencies and carriers. 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.

Business History
Price Overview
Last updated: May 11, 2026 1:55pm (just now)
$30.34
+0.59 (+1.98%)
Day Range
$27.02 – $30.61
52-Week Range
$9.45 – $32.50
50-Day MA
$14.56
200-Day MA
$13.82
Volume
109,569.00
Analyst Price Targets
Low $20.00
Consensus $25.00
High $33.00
(7 analysts)
Share Structure
Outstanding 62,869,650.00
Float 5,362,027.00
Free Float 8.5%
Very low free float — 8.5% of shares trade freely, ~91.5% held by insiders/institutions
Thinly traded — expect wider bid-ask spreads and sharp price swings on modest volume. Institutional investors may avoid due to liquidity constraints.
Small absolute float (5.4M shares) — even with a decent free float %, volume can be thin. Check average daily volume before sizing a position.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
Period Revenue Net Income Net Margin YoY/QoQ
Key Metrics
API Direct from provider CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALC
Stock Price / EPS (Diluted)
26.85
Stock Price: $30.34
EPS (Diluted): 1.13
P/B Ratio (Price vs net asset value)
API
Stock Price / Book Value Per Share
-43.93
Stock Price: $30.34
Total Equity: -$24.12M
Shares: 62,869,653
EV/EBITDA (Total value vs operating profit)
API
Enterprise Value / EBITDA
-19.99
Market Cap: $1.91B
Total Debt: $0.00
Cash: $91.09M
EBITDA: $85.18M
Enterprise Value (Takeover price (cap + debt - cash))
API
Market Cap + Total Debt - Cash
$970.6M
Market Cap: $1.91B
Total Debt: $0.00
Cash: $91.09M
Gross Margin (Revenue left after direct costs)
API
Gross Profit / Revenue
95.0%
Gross Profit: $368.35M
Revenue: $387.61M
Operating Margin (Revenue left after all operations)
API
Operating Income / Revenue
18.8%
Operating Income: $72.92M
Revenue: $387.61M
Net Margin (Revenue left as actual profit)
API
Net Income / Revenue
18.4%
Net Income: $71.15M
Revenue: $387.61M
ROE (Profit from shareholder equity)
API
Net Income / Total Equity
-60.8%
Net Income: $71.15M
Total Equity: -$24.12M
ROIC (Profit from all invested capital)
API
NOPAT / Invested Capital
-16.6%
Operating Income: $72.92M
Tax Rate: 6.1%
Equity: -$24.12M
Total Debt: $0.00
Cash: $91.09M
Zero debt — invested capital = equity minus cash (very efficient)
Current Ratio (Can it pay short-term bills)
API
Current Assets / Current Liabilities
2.17
Current Assets: $245.80M
Current Liabilities: $113.19M
Debt/Equity (Leverage — debt vs equity)
CALC
Total Debt / Total Equity
0.00
Short-Term Debt: $0.00
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: -$24.12M
Zero debt — this company carries no debt obligations. Strongest possible score.
Rev/Share (Top-line per share)
CALC
Revenue / Shares Outstanding
$6.17
Revenue: $387.61M
Shares: 62,869,653
Book Value/Share (Net assets per share)
CALC
(Total Assets - Total Liabilities) / Shares
$-0.38
Total Equity: -$24.12M
Shares: 62,869,653
FCF/Share (Real cash generated per share)
CALC
(Operating Cash Flow + CapEx) / Shares
$0.48
Operating CF: $36.23M
CapEx: -$6.28M
Shares: 62,869,653
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
API
Last Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $30.34
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $71.15M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares LIFE against LLM-researched typical ranges for its industry. One research call per industry, cached indefinitely — every stock in the same industry reuses the same baseline.
Deep Analysis

Pre-flight intelligence scans the company first, then routes to the right analytical methods.

0 Company Classification — What type of company is this?
1 Industry Landscape — Where is the industry headed?
2 Company Momentum — Where is this company trending?
3 Forward Projection — 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a DCF Valuation — Present value of future cash flows
4b Earnings Power Value — Floor value — worth with zero growth
4c Anchored PE — Industry PE adjusted for growth differential
4d Reverse DCF — What growth is the market pricing in?
4e Revenue-Based DCF — For growth/narrative companies (skip if mature earner)
4f Anchored P/S — Price-to-Sales peer comparison (skip if mature earner)
4g Scenario Analysis — Bull / Base / Bear (skip if mature earner)
4h Dividend Discount Model — For dividend/income stocks only
4i Book Value Analysis — For deep value / turnaround stocks only
4j Insider Activity — Are insiders buying or selling?
4f Cash Flow Quality — How trustworthy is the FCF?
4g Debt Maturity Risk — Can it handle its debt?
4h Macro Environment — Rates, market valuation, volatility
4i Sector Intelligence — How does this company compare within its sector?
4j Revenue Confidence — How reliable is the growth projection?
4k Sensitivity Analysis — How fragile is the fair value estimate?
4l Sector Demand Cycle — Is the sector in a boom, steady state, or contraction?
5 AI Investigation — Adaptive research engine (Claude)
5b Thesis Evaluation — What does the market believe? (narrative/platform stocks only)
6 Valuation Synthesis — Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Metric 2025
Revenue $387.6M
Cost of Revenue $19.3M
Gross Profit $368.4M
Operating Expenses $295.4M
Operating Income $72.9M
Net Income $71.2M
EBITDA $85.2M
EPS $1.13
EPS (Diluted) —
Balance Sheet (Annual)
Metric 2025
Cash & Equivalents $91.1M
Total Current Assets $245.8M
Total Assets $515.3M
Current Liabilities $113.2M
Long-Term Debt $0
Total Liabilities $539.5M
Total Equity -$24.1M
Retained Earnings -$102.5M
Cash Flow (Annual)
Metric 2025
Operating Cash Flow $36.2M
Capital Expenditure -$6.3M
Free Cash Flow $29.9M
Acquisitions (net) $0
Debt Repayment —
Dividends Paid —
Stock Buybacks $0
Net Change in Cash $56.0M
Analyst Estimates (Annual)
Metric 2027 2028 2029 2030
Revenue $660.6M
$648.6M – $677.1M
 $719.1M
$700.3M – $737.9M
 $759.0M
$732.7M – $800.3M
 $877.0M
$846.6M – $924.7M
EBITDA $145.2M
$142.5M – $148.8M
 $158.0M
$153.9M – $162.1M
 $166.8M
$161.0M – $175.9M
 $192.7M
$186.0M – $203.2M
Net Income $59.6M
$56.8M – $62.5M
 $95.5M
$90.0M – $100.9M
 $0 $0
EPS — — — —
Insider Trading (Recent)
Date Insider Type Shares Price Value
2026-01-30 SOFTBANK GROUP CORP. C-Conversion 2,697,089.00 $0.00 $0
2026-01-30 SOFTBANK GROUP CORP. C-Conversion 2,192,203.00 $0.00 $0
2026-01-30 SOFTBANK GROUP CORP. C-Conversion 11,830.00 $0.00 $0
2026-01-30 SOFTBANK GROUP CORP. C-Conversion 394,139.00 $0.00 $0
2026-01-30 GV 2017 GP, L.L.C. C-Conversion 3,287,925.00 $0.00 $0
2026-01-30 GV 2017 GP, L.L.C. S-Sale 89,676.00 $19.00 $1.7M
2026-01-30 GV 2017 GP, L.L.C. C-Conversion 1,755,632.00 $0.00 $0
2026-01-30 GV 2017 GP, L.L.C. C-Conversion 571,907.00 $0.00 $0
2026-01-30 GV 2017 GP, L.L.C. C-Conversion 3,287,925.00 $0.00 $0
2026-01-30 GV 2017 GP, L.L.C. C-Conversion 1,751,791.00 $0.00 $0
2026-01-30 GV 2017 GP, L.L.C. S-Sale 1,755,632.00 $19.00 $33.4M
2026-01-30 GV 2017 GP, L.L.C. C-Conversion 552,126.00 $0.00 $0
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My Notes personal — only you see this
Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.193 · 1946f027 · 2026-05-08 18:57:27