Ethos Technologies Inc. Class A (LIFE)
NASDAQ:LIFE
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LIFE Stock Chart & Stats
$16.20
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Market closed
$16.20
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Day’s Range― - ―
52-Week Range$9.45 - $32.50
Previous CloseN/A
VolumeN/A
Average Volume (3M)597.74K
Market Cap
$1.23B
Enterprise Value$919.03M
Total Cash (Recent Filing)$144.60M
Total Debt (Recent Filing)$23.23M
Price to Earnings (P/E)―
Beta4.37
Next Earnings
Mar 03, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-2.93
Shares Outstanding30,914,997
10 Day Avg. Volume399,459
30 Day Avg. Volume597,737
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)-43.71
Price to Sales (P/S)2.72
P/FCF Ratio35.20
Enterprise Value/Market Cap0.75
Enterprise Value/Revenue2.32
Enterprise Value/Gross Profit2.38
Enterprise Value/Ebitda-8.13
Forecast
1Y Price Target
$26.58Price Target Upside64.09% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering7
EPS Forecast (FY)-2.52
Revenue Forecast (FY)$564.90M
Bulls Say, Bears Say
Bulls Say
Revenue Growth & ScaleEthos has demonstrated a material operational inflection with sustained top‑line expansion and large policy activation volumes. Durable revenue scale improves bargaining power with carriers, supports fixed cost absorption, and enables reinvestment into distribution and product development, strengthening long‑term growth optionality if unit economics persist.
Profitability & Cash ConversionThe company achieved >20% operating margins and materially improved cash conversion in 2025, showing the business can generate internal cash to fund growth. Sustainable contribution margins and Rule‑of‑40 performance suggest the operating model can support reinvestment and reduce capital dependency, bolstering long‑term viability.
Distribution & Partnership ExpansionExpanding distribution through major partners and new digital channels diversifies revenue sources and accelerates policy acquisition. Licensing its underwriting engine and a repeatable product launch cadence create durable competitive advantages in distribution scale, reducing single‑channel risk and supporting sustained customer acquisition.
Bears Say
Weak Capital PositionNegative equity materially weakens financial flexibility and increases sensitivity to adverse shocks. It can limit access to low‑cost capital, force dilutive financings under stress, and constrain underwriting expansion or partnerships that require capital backing, making long‑term execution and loss absorption more challenging.
Historic Earnings VolatilityThe 2025 turnaround follows years of losses, creating uncertainty over sustainability. Insurance economics hinge on persistency and underwriting stability; failing to replicate these results would reveal the business as cyclical or early‑stage. Investors must see multi‑period consistency to trust long‑term profitability claims.
Working Capital & Receivables RiskLarge commission receivables and timing benefits indicate cash flow is sensitive to collection dynamics and carrier payment terms. Structural receivable buildup can strain liquidity, amplify timing volatility in operating cash flow, and complicate reliable reinvestment for growth absent stronger cash conversion discipline.
Ethos Technologies Inc. Class A News
LIFE FAQ
What was Ethos Technologies Inc. Class A’s price range in the past 12 months?
Ethos Technologies Inc. Class A lowest stock price was $9.45 and its highest was $32.50 in the past 12 months.
What is Ethos Technologies Inc. Class A’s market cap?
Ethos Technologies Inc. Class A’s market cap is $1.23B.
When is Ethos Technologies Inc. Class A’s upcoming earnings report date?
Ethos Technologies Inc. Class A’s upcoming earnings report date is Mar 03, 2027 which is in 248 days.
How were Ethos Technologies Inc. Class A’s earnings last quarter?
Ethos Technologies Inc. Class A released its earnings results on May 06, 2026. The company reported -$3.57 earnings per share for the quarter, missing the consensus estimate of -$1.651 by -$1.919.
Is Ethos Technologies Inc. Class A overvalued?
According to Wall Street analysts Ethos Technologies Inc. Class A’s price is currently Undervalued.
Does Ethos Technologies Inc. Class A pay dividends?
Ethos Technologies Inc. Class A does not currently pay dividends.
What is Ethos Technologies Inc. Class A’s EPS estimate?
Ethos Technologies Inc. Class A’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Ethos Technologies Inc. Class A have?
Ethos Technologies Inc. Class A has 30,914,997 shares outstanding.
What happened to Ethos Technologies Inc. Class A’s price movement after its last earnings report?
Ethos Technologies Inc. Class A reported an EPS of -$3.57 in its last earnings report, missing expectations of -$1.651. Following the earnings report the stock price went up 32.31%.
Which hedge fund is a major shareholder of Ethos Technologies Inc. Class A?
Currently, no hedge funds are holding shares in LIFE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ethos Technologies Inc. Class A Stock Smart Score
Company Description
Ethos Technologies Inc. Class A
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.
LIFE Company Deck
LIFE Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was strongly positive on core operating performance: exceptional top-line growth (Q1 revenue +104% YoY), robust direct and third-party channel expansion, healthy contribution margins, a strong Rule of 40 score, material new partnerships (Liberty Mutual) and product breadth, and sizable activated policy growth. Key negatives were a $16.5M one-time accounting adjustment tied to agent compensation/persistency estimates, very large non-cash stock-based compensation tied to IPO vesting, seasonally prudent guidance that implies sequential deceleration, and some working capital/timing considerations around commission receivables and CFOA. Management emphasized durable growth vectors and reiterated confidence in unit economics while noting conservative forward assumptions and areas needing clarification.View all LIFE earnings summariesLIFE Stock 12 Month Forecast
Average Price Target
$26.58
▲(64.09% Upside)
Ownership Overview
29.92% Insiders
1.47% Mutual Funds
43.60% Other Institutional Investors
23.48% Public Companies and Individual Investors
Options Prices
Currently, No data available
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