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TickerTalks›$LIFE
LILIFE

Ethos Technologies Inc.

$LIFE·$2.5B·Insurance - Brokers·Financial Services
$36.33-6.0%1Y+115.6%
Mentions · last 7 days
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Price updated 8h ago
LILIFE
$LIFEEthos Technologies Inc.
$36.33-5.98%0 posts
AI analysisFundamentalsVoices on X
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What it does

Plain-English summary of the business — what they sell and how they make money.

Ethos Technologies Inc. functions as a third-party administrator for insurance policies in various global markets, including the United States, India, and Singapore. The company offers "Ethos," a comprehensive technology platform designed to transform the process of purchasing, distributing, and overseeing risk for life insurance products among consumers, agents, and insurance providers. Their product portfolio features term, whole, and indexed universal life insurance policies, complemented by offerings such as wills and estate planning assistance, and supplemental health insurance. Ethos serves a broad clientele, encompassing individual consumers, insurance agents, agencies, and carriers. Incorporated in 2016 and based in San Francisco, California, the organization was formerly known as Ethos Insurance Corporation until its name change in August 2016.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Brokers sits in its cycle right now — and what that implies for $LIFE.

Insurance - Brokers · Financial Services

Premium rate environment remains constructive; brokers benefit from rate increases through commission-linked revenue without taking underwriting risk. Organic growth in specialty and E&S lines is the differentiated driver.

What this means for $LIFE

Partial — insurance earnings follow combined ratio and investment income dynamics, partially correlated to industry macro; Ethos Technologies Inc.

Top industry ETF

$XLFFinancial Select Sector SPDR
+5.6%YTD
+7.7%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-15.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-14.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-17.7%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
2.9%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
4.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-50.4%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
97.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 3, 2026$0.30$0.05+493.7%
Q1 2026May 6, 2026$-3.57$0.46-876.1%
Q4 2025Feb 25, 2026$0.42$0.38+10.5%
Q3 2025Dec 5, 2025$0.29$-0.10+390.0%
Next earningsMon, Nov 2·consensus EPS $0.36

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$189.6M+113.4%96.2%9.6%$0.31$36.9M
Q1 FY26$193.1M—98.3%-84.6%$-3.57$29.3M
Q4 FY25$110.1M—98.1%22.2%$0.39$268K
Q3 FY25$93.8M—94.9%18.2%$0.25$6.7M

Forward consensus

5-year forecast · up to 6 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$730.1M$729.8M – $730.6M-$2.10-$2.33 – -$1.906
FY27$937.7M$835.3M – $1.1B$0.96$0.81 – $1.116
FY28$1.1B$958.3M – $1.2B$1.07$0.95 – $1.193
FY29$759.0M$702.2M – $821.9M$0.00$0.00 – $0.001
FY30$877.0M$811.4M – $949.7M$0.00$0.00 – $0.002

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.—Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+44.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.—Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatTiny float · 5.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today20.9% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β4.215-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJul 28Gv 2019 Gp, L.l.c.10% owner118.1K sh$2.2MSellJul 27Gv 2019 Gp, L.l.c.10% owner196.9K sh$3.8MSellJul 24Gv 2019 Gp, L.l.c.10% owner23.4K sh$442KSellJul 23Gv 2019 Gp, L.l.c.10% owner63.3K sh$1.2MSellJul 22Gv 2019 Gp, L.l.c.10% owner49.6K sh$953KSellJul 21Gv 2019 Gp, L.l.c.10% owner22.9K sh$436KSellJul 20Gv 2019 Gp, L.l.c.10% owner18.4K sh$347KSellJul 17Gv 2019 Gp, L.l.c.10% owner20.5K sh$384KSellJul 16Gv 2019 Gp, L.l.c.10% owner19.6K sh$367KSellJul 15Gv 2019 Gp, L.l.c.10% owner74.5K sh$1.5M
1–10 of 12
+ 12 other (12 others) in window

See when $LIFE insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

No material 8-K / SC 13D / S-3 / 424B5 filings in the last 180 days.

+ 14 other (9 13Gs · 2 10-Qs · 1 8-K · 1 earnings 8-K) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Gold Terra Closes Third and Final Tranche of Its LIFE Offering for Gross Proceeds of Approximately C$10.1 Maccessnewswire.com·12d agoEthos to Present at the Goldman Sachs Communacopia + Technology Conferenceglobenewswire.com·13d agoEthos Signs Erin Andrews as Its Next Sports Partner in Growing Campaign to Make Life Insurance Accessible for Every Familyglobenewswire.com·19d agoGLOBE LIFE INC. DECLARES DIVIDENDprnewswire.com·25d agoGold Terra Announces Closing of Second Tranche of the C$10.8M LIFEaccessnewswire.com·26d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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