Symbols / LIFE Stock $16.11 -1.53% Ethos Technologies Inc.

Financial Services • Insurance Brokers • United States • NMS
LIFE (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
About

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. It also provides term life insurance, whole life insurance, and indexed universal life insurance products, as well as wills and estate planning, and supplemental health insurance products. 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
Market Cap 1.01B Enterprise Value 1.29B Income 71.15M Sales 387.61M Book/sh -1.45 Cash/sh 2.00
Dividend Yield — Payout 0.00% Employees 614 IPO — P/E 14.13 Forward P/E 8.33
PEG — P/S 2.61 P/B -11.12 P/C — EV/EBITDA 16.52 EV/Sales 3.34
Quick Ratio 1.69 Current Ratio 2.17 Debt/Eq 0.62 LT Debt/Eq — EPS (ttm) 1.14 EPS next Y 1.93
EPS Growth 161.60% Revenue Growth 65.50% Earnings 2026-05-06 ROA 10.00% ROE 21.03% ROIC —
Gross Margin 98.26% Oper. Margin 22.23% Profit Margin 18.36% Shs Outstand 30.79M Shs Float 25.92M Short Float 9.90%
Short Ratio 4.29 Short Interest — 52W High 19.00 52W Low 9.45 Beta — Avg Volume 576.06K
Volume 202.31K Target Price $20.25 Recom Strong_buy Prev Close $16.36 Price $16.11 Change -1.53%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$20.25
Mean price target
2. Current target
$16.11
Latest analyst target
3. DCF / Fair value
$29.82
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$16.11
Low
$14.00
High
$31.00
Mean
$20.25

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
News
RSS: Latest LIFE news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-01-30 BOTHA ROELOF FREDERICK Director and Beneficial Owner of more than 10% of a Class of Security — 12,000,124 — —
2026-01-30 WHEELER WILLIAM J Director — 260,525 $15.05 $3,920,901
2026-01-30 SC US TTGP, LTD. Beneficial Owner of more than 10% of a Class of Security — 12,000,124 — —
2026-01-30 LANTZ ERIN N Officer — 162,677 $17.86 $2,905,411
2026-01-30 GV 2017 GP, L.L.C. Beneficial Owner of more than 10% of a Class of Security — 1,845,308 $15.05 $27,771,885
2026-01-30 GV 2017 GP, L.L.C. Beneficial Owner of more than 10% of a Class of Security — 5,615,464 — —
2026-01-30 KUCHARSKI BRANDT WALTER Officer — 12,428 $17.86 $221,964
2026-01-30 ACCEL GROWTH FUND IV, L.P. Beneficial Owner of more than 10% of a Class of Security — 7,143,886 — —
2026-01-30 SOFTBANK GROUP CORP Beneficial Owner of more than 10% of a Class of Security — 2,697,089 — —
2026-01-29 BOTHA ROELOF FREDERICK Director and Beneficial Owner of more than 10% of a Class of Security — 260,525 $19.00 $4,949,975
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Revenue
387.61
+52.05%
254.93
+59.57%
159.75
Operating Revenue
387.61
+52.05%
254.93
+59.57%
159.75
Cost Of Revenue
6.73
+3.16%
6.53
+10.59%
5.90
Reconciled Cost Of Revenue
5.83
-10.10%
6.49
+9.88%
5.90
Gross Profit
380.88
+53.33%
248.40
+61.45%
153.85
Operating Expense
307.95
+54.24%
199.65
+27.36%
156.76
Selling General And Administration
268.96
+57.22%
171.08
+32.87%
128.76
Selling And Marketing Expense
229.32
+54.25%
148.66
+38.25%
107.53
General And Administrative Expense
39.65
+76.86%
22.42
+5.59%
21.23
Other Gand A
39.65
+76.86%
22.42
+5.59%
21.23
Other Operating Expenses
33.63
+45.37%
23.13
+3.79%
22.29
Total Expenses
314.69
+52.63%
206.18
+26.75%
162.66
Operating Income
72.92
+49.59%
48.75
+1774.58%
-2.91
Total Operating Income As Reported
72.92
+49.59%
48.75
+1774.58%
-2.91
EBITDA
85.18
+41.93%
60.01
+588.91%
8.71
Normalized EBITDA
85.18
+41.93%
60.01
+588.91%
8.71
Reconciled Depreciation
6.26
+14.27%
5.48
-4.08%
5.71
EBIT
78.91
+44.71%
54.53
+1718.91%
3.00
Net Income
71.15
+45.71%
48.83
+2791.18%
1.69
Pretax Income
75.74
+40.43%
53.94
+2270.81%
2.27
Net Non Operating Interest Income Expense
2.66
-46.82%
5.00
-1.28%
5.07
Interest Expense Non Operating
3.17
+432.77%
0.59
-17.70%
0.72
Net Interest Income
2.66
-46.82%
5.00
-1.28%
5.07
Interest Expense
3.17
+432.77%
0.59
-17.70%
0.72
Interest Income Non Operating
5.83
+4.14%
5.60
-3.33%
5.79
Interest Income
5.83
+4.14%
5.60
-3.33%
5.79
Other Income Expense
0.16
-12.97%
0.18
+58.12%
0.12
Other Non Operating Income Expenses
0.16
-12.97%
0.18
+58.12%
0.12
Tax Provision
4.59
-10.01%
5.10
+770.99%
0.59
Tax Rate For Calcs
0.00
-35.54%
0.00
-63.26%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
71.15
+45.71%
48.83
+2791.18%
1.69
Net Income From Continuing Operation Net Minority Interest
71.15
+45.71%
48.83
+2791.18%
1.69
Net Income From Continuing And Discontinued Operation
71.15
+45.71%
48.83
+2791.18%
1.69
Net Income Continuous Operations
71.15
+45.71%
48.83
+2791.18%
1.69
Normalized Income
71.15
+45.71%
48.83
+2791.18%
1.69
Net Income Common Stockholders
71.15
+45.71%
48.83
+2791.18%
1.69
Diluted EPS
—
0.78
+2791.16%
0.03
Basic EPS
—
0.78
+2791.16%
0.03
Basic Average Shares
—
62.56
+0.00%
62.56
Diluted Average Shares
—
62.56
+0.00%
62.56
Diluted NI Availto Com Stockholders
71.15
+45.71%
48.83
+2791.18%
1.69
Depreciation Amortization Depletion Income Statement
5.36
-1.45%
5.44
-4.81%
5.71
Depreciation And Amortization In Income Statement
5.36
-1.45%
5.44
-4.81%
5.71
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
515.34
+30.17%
395.88
+41.56%
279.65
Current Assets
245.80
+40.62%
174.81
+17.42%
148.88
Cash Cash Equivalents And Short Term Investments
125.97
+21.88%
103.35
-19.87%
128.98
Cash And Cash Equivalents
91.09
+159.70%
35.08
+40.19%
25.02
Other Short Term Investments
34.88
-48.92%
68.28
-34.32%
103.96
Receivables
65.28
+43.85%
45.38
+155.96%
17.73
Accounts Receivable
65.28
+43.85%
45.38
+155.96%
17.73
Gross Accounts Receivable
65.28
+43.85%
45.38
+154.11%
17.86
Allowance For Doubtful Accounts Receivable
—
0.04
+134.88%
-0.13
Prepaid Assets
40.29
+78.87%
22.53
0.00
Current Deferred Assets
7.24
0.00
0.00
Other Current Assets
7.02
+98.08%
3.54
+63.42%
2.17
Total Non Current Assets
269.53
+21.92%
221.07
+69.04%
130.78
Net PPE
10.37
+4.14%
9.96
+9.62%
9.09
Gross PPE
28.72
+23.61%
23.23
+31.69%
17.64
Accumulated Depreciation
-18.34
-38.22%
-13.27
-55.14%
-8.55
Properties
0.00
0.00
0.00
Buildings And Improvements
—
2.54
+234.12%
0.76
Machinery Furniture Equipment
26.39
+28.37%
20.55
+22.56%
16.77
Other Properties
2.32
-13.19%
2.68
+2977.01%
0.09
Leases
0.01
+600.00%
0.00
-96.00%
0.03
Goodwill And Other Intangible Assets
2.90
+17.93%
2.46
+8.42%
2.27
Goodwill
2.24
+0.00%
2.24
+0.00%
2.24
Other Intangible Assets
0.66
+199.55%
0.22
+636.67%
0.03
Investments And Advances
31.47
-10.10%
35.00
0.00
Non Current Accounts Receivable
224.22
+29.53%
173.10
+45.16%
119.25
Other Non Current Assets
0.57
+2.87%
0.56
+210.00%
0.18
Total Liabilities Net Minority Interest
539.45
+7.24%
503.03
+14.63%
438.83
Current Liabilities
113.19
+67.44%
67.60
+149.51%
27.09
Payables And Accrued Expenses
107.14
+96.18%
54.61
+112.04%
25.75
Payables
68.85
+94.51%
35.39
+155.81%
13.84
Accounts Payable
66.82
+98.37%
33.69
+157.96%
13.06
Other Payable
0.93
—
—
Current Accrued Expenses
38.29
+99.25%
19.22
+61.23%
11.92
Total Tax Payable
1.09
-36.10%
1.71
+119.67%
0.78
Current Debt And Capital Lease Obligation
1.12
+49.40%
0.75
+37.16%
0.55
Current Capital Lease Obligation
1.12
+49.40%
0.75
+37.16%
0.55
Other Current Liabilities
0.05
-24.24%
0.07
+200.00%
0.02
Total Non Current Liabilities Net Minority Interest
426.26
-2.11%
435.43
+5.75%
411.74
Long Term Debt And Capital Lease Obligation
1.23
-34.12%
1.86
+648.59%
0.25
Long Term Capital Lease Obligation
1.23
-34.12%
1.86
+648.59%
0.25
Non Current Deferred Liabilities
8.53
+118.30%
3.91
0.00
Non Current Deferred Taxes Liabilities
8.53
+118.30%
3.91
0.00
Other Non Current Liabilities
12.51
-51.26%
25.66
+242.40%
7.50
Preferred Securities Outside Stock Equity
404.00
+0.00%
404.00
+0.00%
404.00
Stockholders Equity
-24.12
+77.49%
-107.15
+32.69%
-159.18
Common Stock Equity
-24.12
+77.49%
-107.15
+32.69%
-159.18
Capital Stock
0.00
+0.00%
0.00
+0.00%
0.00
Common Stock
0.00
+0.00%
0.00
+0.00%
0.00
Share Issued
62.56
+0.00%
62.56
+0.00%
62.56
Ordinary Shares Number
62.56
+0.00%
62.56
+0.00%
62.56
Additional Paid In Capital
78.95
+17.85%
66.99
+5.54%
63.47
Retained Earnings
-102.51
+40.97%
-173.66
+21.95%
-222.50
Gains Losses Not Affecting Retained Earnings
-0.55
-15.90%
-0.48
-202.53%
-0.16
Total Equity Gross Minority Interest
-24.12
+77.49%
-107.15
+32.69%
-159.18
Total Capitalization
-24.12
+77.49%
-107.15
+32.69%
-159.18
Working Capital
132.61
+23.70%
107.21
-11.97%
121.78
Invested Capital
-24.12
+77.49%
-107.15
+32.69%
-159.18
Total Debt
2.35
-10.09%
2.62
+227.94%
0.80
Capital Lease Obligations
2.35
-10.09%
2.62
+227.94%
0.80
Net Tangible Assets
-27.02
+75.35%
-109.61
+32.11%
-161.45
Tangible Book Value
-27.02
+75.35%
-109.61
+32.11%
-161.45
Current Provisions
4.88
-59.91%
12.17
+1486.70%
0.77
Held To Maturity Securities
31.47
-10.10%
35.00
0.00
Investmentin Financial Assets
31.47
-10.10%
35.00
0.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Operating Cash Flow
36.23
+432.10%
-10.91
+70.62%
-37.12
Cash Flow From Continuing Operating Activities
36.23
+432.10%
-10.91
+70.62%
-37.12
Net Income From Continuing Operations
71.15
+45.71%
48.83
+2791.18%
1.69
Depreciation Amortization Depletion
6.26
+14.27%
5.48
-4.35%
5.73
Depreciation
6.26
+14.27%
5.48
-4.35%
5.73
Depreciation And Amortization
6.26
+14.27%
5.48
-4.35%
5.73
Other Non Cash Items
1.96
+177.19%
-2.54
+11.84%
-2.88
Stock Based Compensation
10.60
+234.68%
3.17
-12.23%
3.61
Deferred Tax
4.62
+18.30%
3.91
0.00
Deferred Income Tax
4.62
+18.30%
3.91
0.00
Operating Gains Losses
-0.30
-52.26%
-0.20
-1270.59%
0.02
Net Foreign Currency Exchange Gain Loss
-0.30
-52.26%
-0.20
-128.74%
-0.09
Gain Loss On Sale Of PPE
—
0.00
-100.00%
0.10
Change In Working Capital
-58.06
+16.52%
-69.56
-53.59%
-45.29
Change In Receivables
-76.03
+0.81%
-76.64
-110.30%
-36.44
Changes In Account Receivables
-11.20
+17.84%
-13.63
+62.61%
-36.44
Change In Prepaid Assets
-21.35
+12.07%
-24.28
-10886.43%
-0.22
Change In Payables And Accrued Expense
49.55
+147.89%
19.99
+816.45%
-2.79
Change In Accrued Expense
18.92
+159.25%
7.30
+292.15%
1.86
Change In Payable
30.63
+141.36%
12.69
+372.87%
-4.65
Change In Account Payable
30.63
+141.36%
12.69
+372.87%
-4.65
Change In Other Current Assets
—
-0.38
-3250.00%
0.01
Change In Other Current Liabilities
-10.24
-189.98%
11.38
+294.70%
-5.84
Investing Cash Flow
31.87
+3656.58%
-0.90
+90.22%
-9.16
Cash Flow From Continuing Investing Activities
31.87
+3656.58%
-0.90
+90.22%
-9.16
Net PPE Purchase And Sale
-1.49
-92.14%
-0.78
-140.25%
-0.32
Purchase Of PPE
-1.49
-92.14%
-0.78
-140.25%
-0.32
Capital Expenditure
-6.28
-36.93%
-4.58
+6.60%
-4.91
Net Investment Purchase And Sale
38.14
+934.27%
3.69
+186.76%
-4.25
Purchase Of Investment
-66.71
+56.87%
-154.68
-0.31%
-154.20
Sale Of Investment
104.85
-33.79%
158.36
+5.61%
149.94
Net Intangibles Purchase And Sale
-4.79
-25.68%
-3.81
+16.95%
-4.58
Purchase Of Intangibles
-4.79
-25.68%
-3.81
+16.95%
-4.58
Financing Cash Flow
-12.05
-155.13%
21.86
+1431.12%
-1.64
Cash Flow From Continuing Financing Activities
-12.05
-155.13%
21.86
+1431.12%
-1.64
Proceeds From Stock Option Exercised
1.06
+406.22%
0.21
-36.86%
0.33
Net Other Financing Charges
-13.11
-160.55%
21.65
+1197.21%
-1.97
Changes In Cash
56.04
+457.48%
10.05
+120.98%
-47.92
Effect Of Exchange Rate Changes
-0.03
-1450.00%
0.00
+200.00%
-0.00
Beginning Cash Position
35.08
+40.19%
25.02
-65.70%
72.95
End Cash Position
91.09
+159.70%
35.08
+40.19%
25.02
Free Cash Flow
29.95
+293.31%
-15.49
+63.14%
-42.03
Income Tax Paid Supplemental Data
—
0.52
+6.16%
0.49
SEC Filings

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

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