Ethos Technologies
LIFE
35.00
-0.05
-0.14%
Ethos Technologies
US · LIFE
#2697 by market cap
Listed 2026
35.00
-0.05
-0.14%
Live - 5344 symbols - heartbeat 156s ago
· 2026-10-08 08:00
Pre-market
34.99
-0.03%
After-hours
35.01
+0.03%
- Market cap
- 2.23B
- P/E (TTM)i
- -19.91
- P/Bi
- 4.69
- EPSi
- 1.13
- Div yieldi
- 0.00%
- 52W posi
- 77%
Reader sentiment
Are you bullish or bearish on LIFE?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 3.73, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 3 years
Latest year +52.05% YoY
Margins
- Gross margin
- 98.26%
- Operating margin
- 18.81%
- Net margin
- 18.36%
Key ratios & quality
- Altman Z-Scorei
- 3.73
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 159.75M | 254.93M | 387.61M |
| Gross profit | 153.85M | 248.40M | 380.88M |
| Selling & admin expenses | 128.76M | 171.08M | 268.97M |
| Research & development | -- | -- | -- |
| Operating profit | -2.91M | 48.75M | 72.92M |
| Pretax profit | 2.28M | 53.94M | 75.74M |
| Tax | 586.00K | 5.10M | 4.59M |
| Net profit | 1.69M | 48.83M | 71.15M |
| Basic EPS | 0 | 1 | 1 |
| Diluted EPS | 0.03 | 0.78 | 1.14 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 94.89M | 88.85M | 93.79M | 110.08M | 193.10M | 189.56M |
| Gross profit | 93.31M | 87.43M | 92.12M | 108.02M | 189.87M | 185.54M |
| Selling & admin expenses | 69.78M | 59.90M | 65.95M | 73.35M | 324.75M | 152.00M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 12.54M | 18.84M | 17.07M | 24.47M | -163.31M | 18.12M |
| Pretax profit | 13.11M | 19.77M | 17.74M | 25.13M | -162.55M | 19.32M |
| Tax | 864.00K | 1.30M | 1.86M | 564.00K | 3.85M | -211.00K |
| Net profit | 12.25M | 18.47M | 15.87M | 24.56M | -166.39M | 19.53M |
| Basic EPS | 0 | 0 | 0 | 0 | -4 | 0 |
| Diluted EPS | 0.20 | 0.30 | 0.25 | 0.39 | -3.57 | 0.30 |
Balance sheet
| Line item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total current assets | 148.88M | 174.81M | 245.80M |
| Cash & ST investments | 128.98M | 103.35M | 125.97M |
| Inventory | -- | -- | -- |
| Total assets | 279.65M | 395.88M | 515.34M |
| Total current liabilities | 27.09M | 67.60M | 113.19M |
| Short-term debt | 549.00K | 753.00K | 1.13M |
| Long-term debt | -- | -- | -- |
| Total liabilities | 438,834,000.00 | 503,031,000.00 | 539,453,000.00 |
| Total equity | -159.18M | -107.15M | -24.12M |
| Retained earnings | -222.50M | -173.67M | -102.51M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | -- | -- | 234.87M | 245.80M | 259.35M | 302.00M |
| Cash & ST investments | -- | -- | 129.74M | 125.97M | 144.60M | 168.32M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | -- | -- | 488.30M | 515.34M | 619.36M | 696.08M |
| Total current liabilities | -- | -- | 108.06M | 113.19M | 154.96M | 199.05M |
| Short-term debt | -- | -- | 1.00M | 1.13M | 1.13M | 1.03M |
| Long-term debt | -- | -- | -- | -- | -- | -- |
| Total liabilities | -- | -- | 537,220,000.00 | 539,453,000.00 | 178,041,000.00 | 219,918,000.00 |
| Total equity | -- | -- | -48.92M | -24.12M | 441.32M | 476.17M |
| Retained earnings | -- | -- | -127.08M | -102.51M | -268.91M | -249.37M |
Cash flow
| Line item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating cash flow | -37.12M | -10.91M | 36.23M |
| Depreciation & amortization | 5.73M | 5.48M | 6.26M |
| Free cash flow | -42.03M | -15.49M | 29.95M |
| Dividends paid | -- | -- | -- |
| Stock buybacks / issuance | -- | -- | -- |
| Ending cash balance | 25.02M | 35.08M | 91.09M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 10.81M | 13.22M | 7.25M | 4.94M | 31.21M | 35.66M |
| Depreciation & amortization | 1.56M | 1.59M | 1.56M | 1.55M | 1.60M | 1.86M |
| Free cash flow | 9.80M | 11.86M | 5.38M | 2.91M | 29.28M | 33.57M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | 0 | -- | -- | 91.58M | 0 |
| Ending cash balance | 51.25M | 80.28M | 84.27M | 91.09M | 107.91M | 112.16M |
Returns & efficiency
| Line item | 2023 | 2024 | 2025 |
|---|---|---|---|
| ROE %i | -- | -- | -- |
| ROA %i | 0.60 | 14.46 | 15.62 |
| ROIC %i | -- | -- | -- |
| 5-year avg ROE %i | -- | -- | -- |
| EBIT margin %i | 1.88 | 21.39 | 20.36 |
| FCF / sales %i | -- | -- | 7.73 |
| Current ratioi | 5.49 | 2.59 | 2.17 |
| Quick ratioi | 5.41 | 2.20 | 1.69 |
| Debt / assetsi | 0.29 | 0.66 | 0.46 |
| LT debt / equityi | -- | -- | -- |
| Interest coveragei | 4.15 | 91.65 | 24.89 |
| Revenue CAGR (3Y) %i | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -- | -- | -- | -- | -24.36 | -22.35 |
| ROA %i | -- | -- | 11.50 | 15.62 | -17.35 | -15.29 |
| ROIC %i | -- | -- | -- | -- | -24.63 | -22.65 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -- | -- | 19.44 | 20.36 | -19.98 | -16.63 |
| FCF / sales %i | -- | -- | 8.18 | 7.73 | 10.18 | 12.13 |
| Current ratioi | -- | -- | 2.17 | 2.17 | 1.67 | 1.52 |
| Quick ratioi | -- | -- | 1.73 | 1.69 | 1.45 | 1.29 |
| Debt / assetsi | -- | -- | 0.52 | 0.46 | 0.33 | 0.25 |
| LT debt / equityi | -- | -- | -- | -- | 0.21 | 0.16 |
| Interest coveragei | -- | -- | 26.30 | 24.89 | -33.95 | -34.48 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Single-engine
- Term life insurance is the largest reported line at 77.20% of revenue, across 2 reported segments.
- The next-largest line, Other products, is a distant second at 22.80% - a sharp slowdown here would have little to offset it.
Revenue breakdown most recent period
Business
Term life insurance77.20%
Other products22.80%
Quote time 2026-10-08 08:00:25 · For reference only, not investment advice and not tailored to your situation.