LIFE Chart
About

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.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Insurance - Life Market Cap 718.56M
Enterprise Value 466.20M Income 56.14M Sales 344.06M
Book/sh -2.96 Cash/sh 7.84 Dividend Yield —
Payout 0.00% Employees 548 IPO —
P/E 12.71 Forward P/E -542.69 PEG —
P/S 2.09 P/B -3.87 P/C —
EV/EBITDA 6.99 EV/Sales 1.35 Quick Ratio 1.73
Current Ratio 2.17 Debt/Eq 0.72 LT Debt/Eq —
EPS (ttm) 0.90 EPS next Y -0.02 EPS Growth -8.10%
Revenue Growth 34.30% Earnings 2024-05-29 07:00 ROA —
ROE — ROIC — Gross Margin 98.19%
Oper. Margin 18.20% Profit Margin 16.32% Shs Outstand 30.73M
Shs Float 6.78M Short Float 2.50% Short Ratio 0.19
Short Interest — 52W High 19.00 52W Low 9.45
Beta — Avg Volume 790.77K Volume 439.75K
Target Price $19.75 Recom Strong_buy Prev Close $11.00
Price $11.44 Change 4.00%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$19.75
Mean price target
2. Current target
$11.65
Latest analyst target
3. DCF / Fair value
$13.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$11.65
Low
$13.00
High
$33.00
Mean
$19.75

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2024-05-14 reit HC Wainwright & Co. Buy → Buy $35
2024-05-03 reit HC Wainwright& Co. Buy → Buy $35
2024-03-15 main RBC Capital Outperform → Outperform $16
2024-03-15 reit HC Wainwright & Co. Buy → Buy $35
2024-02-21 reit HC Wainwright & Co. Buy → Buy $35
2023-09-21 reit HC Wainwright & Co. Buy → Buy $35
2023-09-14 reit HC Wainwright & Co. Buy → Buy $35
2023-08-10 reit HC Wainwright & Co. Buy → Buy $35
2023-07-21 main Piper Sandler Overweight → Overweight $20
2023-07-05 down Oppenheimer Outperform → Perform —
2023-05-23 reit HC Wainwright & Co. Buy → Buy $35
2023-05-10 reit RBC Capital — → Outperform $19
2023-04-11 main Piper Sandler — → Overweight $13
2023-03-10 reit RBC Capital — → Outperform $19
2023-03-10 reit HC Wainwright & Co. — → Buy $35
2023-03-02 main RBC Capital — → Outperform $19
2023-02-07 reit HC Wainwright & Co. — → Buy $35
2022-08-16 main Piper Sandler — → Overweight $14
2022-07-21 main HC Wainwright & Co. — → Buy $35
2022-05-18 main Piper Sandler — → Overweight $11
Insider Transactions
Date Shares Value Url Text Insider Position Transaction Start Date Ownership
0 5000 9276.0 — Purchase at price 1.86 per share. DENYES NANCY General Counsel — 2024-06-05 00:00:00 D
1 20000 36140.0 — Purchase at price 1.81 per share. SHUKLA SANJAY S Chief Executive Officer — 2024-05-31 00:00:00 D
2 50000 87500.0 — Purchase at price 1.75 per share. COUGHLIN TIMOTHY P Director — 2024-05-30 00:00:00 I
3 1590 2687.0 — Sale at price 1.69 per share. BROADFOOT JILL MARIE Chief Financial Officer — 2024-02-06 00:00:00 D
4 3750 nan — — BROADFOOT JILL MARIE Chief Financial Officer — 2024-02-05 00:00:00 D
5 10375 nan — — SHUKLA SANJAY S Chief Executive Officer — 2024-02-05 00:00:00 D
6 2688 nan — — DENYES NANCY General Counsel — 2024-02-05 00:00:00 D
7 15000 17646.0 — Purchase at price 1.17 - 1.18 per share. SHUKLA SANJAY S Chief Executive Officer — 2023-12-12 00:00:00 D
8 15000 16703.0 — Purchase at price 1.11 - 1.14 per share. SHUKLA SANJAY S Chief Executive Officer — 2023-11-13 00:00:00 D
9 15000 30224.0 — Purchase at price 2.01 per share. SHUKLA SANJAY S Chief Executive Officer — 2023-07-28 00:00:00 D
Financials
Line Item2024-12-312023-12-31
TaxEffectOfUnusualItems0.000.00
TaxRateForCalcs0.090.26
NormalizedEBITDA60.01M8.73M
NetIncomeFromContinuingOperationNetMinorityInterest48.83M1.69M
ReconciledDepreciation5.48M5.73M
ReconciledCostOfRevenue6.49M5.89M
EBITDA60.01M8.73M
EBIT54.53M3.00M
NetInterestIncome5.00M5.07M
InterestExpense595.00K723.00K
InterestIncome5.60M5.79M
NormalizedIncome48.83M1.69M
NetIncomeFromContinuingAndDiscontinuedOperation48.83M1.69M
TotalExpenses206.18M162.66M
TotalOperatingIncomeAsReported48.75M-2.91M
DilutedAverageShares62.56M62.56M
BasicAverageShares62.56M62.56M
DilutedEPS0.780.03
BasicEPS0.780.03
DilutedNIAvailtoComStockholders48.83M1.69M
NetIncomeCommonStockholders48.83M1.69M
NetIncome48.83M1.69M
NetIncomeIncludingNoncontrollingInterests48.83M1.69M
NetIncomeContinuousOperations48.83M1.69M
TaxProvision5.10M586.00K
PretaxIncome53.94M2.27M
OtherIncomeExpense185.00K117.00K
OtherNonOperatingIncomeExpenses185.00K117.00K
NetNonOperatingInterestIncomeExpense5.00M5.07M
InterestExpenseNonOperating595.00K723.00K
InterestIncomeNonOperating5.60M5.79M
OperatingIncome48.75M-2.91M
OperatingExpense199.65M156.76M
OtherOperatingExpenses23.13M22.29M
DepreciationAmortizationDepletionIncomeStatement5.44M5.71M
DepreciationAndAmortizationInIncomeStatement5.44M5.71M
SellingGeneralAndAdministration171.08M128.76M
SellingAndMarketingExpense148.66M107.53M
GeneralAndAdministrativeExpense22.42M21.23M
OtherGandA22.42M21.23M
GrossProfit248.40M153.85M
CostOfRevenue6.53M5.90M
TotalRevenue254.93M159.75M
OperatingRevenue254.93M159.75M
Line Item2024-12-312023-12-31
OrdinarySharesNumber62.56M62.56M
ShareIssued62.56M62.56M
TotalDebt2.62M798.00K
TangibleBookValue-109.61M-161.45M
InvestedCapital-107.15M-159.18M
WorkingCapital107.21M121.78M
NetTangibleAssets-109.61M-161.45M
CapitalLeaseObligations2.62M798.00K
CommonStockEquity-107.15M-159.18M
TotalCapitalization-107.15M-159.18M
TotalEquityGrossMinorityInterest-107.15M-159.18M
StockholdersEquity-107.15M-159.18M
GainsLossesNotAffectingRetainedEarnings-478.00K-158.00K
RetainedEarnings-173.66M-222.50M
AdditionalPaidInCapital66.99M63.47M
CapitalStock2.00K2.00K
CommonStock2.00K2.00K
TotalLiabilitiesNetMinorityInterest503.03M438.83M
TotalNonCurrentLiabilitiesNetMinorityInterest435.43M411.74M
OtherNonCurrentLiabilities25.66M7.50M
PreferredSecuritiesOutsideStockEquity404.00M404.00M
NonCurrentDeferredLiabilities3.91M0.00
NonCurrentDeferredTaxesLiabilities3.91M0.00
LongTermDebtAndCapitalLeaseObligation1.86M249.00K
LongTermCapitalLeaseObligation1.86M249.00K
CurrentLiabilities67.60M27.09M
OtherCurrentLiabilities66.00K22.00K
CurrentDebtAndCapitalLeaseObligation753.00K549.00K
CurrentCapitalLeaseObligation753.00K549.00K
CurrentProvisions12.17M767.00K
PayablesAndAccruedExpenses54.61M25.75M
CurrentAccruedExpenses19.22M11.92M
Payables35.39M13.84M
TotalTaxPayable1.71M778.00K
AccountsPayable33.69M13.06M
TotalAssets395.88M279.65M
TotalNonCurrentAssets221.07M130.78M
OtherNonCurrentAssets558.00K180.00K
NonCurrentAccountsReceivable173.10M119.25M
InvestmentsAndAdvances35.00M0.00
InvestmentinFinancialAssets35.00M0.00
HeldToMaturitySecurities35.00M0.00
GoodwillAndOtherIntangibleAssets2.46M2.27M
OtherIntangibleAssets221.00K30.00K
Goodwill2.24M2.24M
NetPPE9.96M9.09M
AccumulatedDepreciation-13.27M-8.55M
GrossPPE23.23M17.64M
Leases1.00K25.00K
OtherProperties141.00K87.00K
MachineryFurnitureEquipment20.55M16.77M
BuildingsAndImprovements2.54M759.00K
Properties0.000.00
CurrentAssets174.81M148.88M
OtherCurrentAssets3.54M2.17M
CurrentDeferredAssets0.000.00
PrepaidAssets22.53M0.00
Receivables45.38M17.73M
AccountsReceivable45.38M17.73M
AllowanceForDoubtfulAccountsReceivable45.00K-129.00K
GrossAccountsReceivable45.34M17.86M
CashCashEquivalentsAndShortTermInvestments103.35M128.98M
OtherShortTermInvestments68.28M103.96M
CashAndCashEquivalents35.08M25.02M
Line Item2024-12-312023-12-31
FreeCashFlow-15.49M-42.03M
CapitalExpenditure-4.58M-4.91M
IncomeTaxPaidSupplementalData517.00K487.00K
EndCashPosition35.08M25.02M
BeginningCashPosition25.02M72.95M
EffectOfExchangeRateChanges2.00K-2.00K
ChangesInCash10.05M-47.92M
FinancingCashFlow21.86M-1.64M
CashFlowFromContinuingFinancingActivities21.86M-1.64M
NetOtherFinancingCharges21.65M-1.97M
ProceedsFromStockOptionExercised209.00K331.00K
InvestingCashFlow-896.00K-9.16M
CashFlowFromContinuingInvestingActivities-896.00K-9.16M
NetInvestmentPurchaseAndSale3.69M-4.25M
SaleOfInvestment158.36M149.94M
PurchaseOfInvestment-154.68M-154.20M
NetIntangiblesPurchaseAndSale-3.81M-4.58M
PurchaseOfIntangibles-3.81M-4.58M
NetPPEPurchaseAndSale-776.00K-323.00K
PurchaseOfPPE-776.00K-323.00K
OperatingCashFlow-10.91M-37.12M
CashFlowFromContinuingOperatingActivities-10.91M-37.12M
ChangeInWorkingCapital-69.56M-45.29M
ChangeInOtherCurrentLiabilities11.38M-5.84M
ChangeInOtherCurrentAssets-378.00K12.00K
ChangeInPayablesAndAccruedExpense19.99M-2.79M
ChangeInAccruedExpense7.30M1.86M
ChangeInPayable12.69M-4.65M
ChangeInAccountPayable12.69M-4.65M
ChangeInPrepaidAssets-23.90M-221.00K
ChangeInReceivables-76.64M-36.44M
ChangesInAccountReceivables-76.64M-36.44M
OtherNonCashItems-2.54M-2.88M
StockBasedCompensation3.17M3.61M
DeferredTax3.91M0.00
DeferredIncomeTax3.91M0.00
DepreciationAmortizationDepletion5.48M5.73M
DepreciationAndAmortization5.48M5.73M
Depreciation5.48M5.73M
OperatingGainsLosses-199.00K17.00K
NetForeignCurrencyExchangeGainLoss-199.00K-87.00K
GainLossOnSaleOfPPE0.00104.00K
NetIncomeFromContinuingOperations48.83M1.69M
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Public Trades for LIFE
Date User Asset Broker Type Position Size Entry Price Patterns