Ethos Technologies Inc. Class A (LIFE)
NASDAQ:LIFE
Earnings Data
Report Date
Mar 03, 2027After Close (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
―Last Year’s EPS
0.42Same Quarter Last Year
Strong Buy
Based on 8 Analysts Ratings
Earnings Call Summary
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.Company Guidance
Record Revenue Growth
Q1 revenue of $193 million, representing 104% year-over-year growth and more than doubling revenue vs. prior year. Management raised full-year revenue guidance and disclosed a midpoint full-year growth expectation of ~45% year-over-year.
Direct Channel Acceleration
Direct channel revenue of $146 million, up 136% year-over-year. Management more than doubled advertising spend versus 2025 while maintaining consistent efficiency/ROAS, indicating scalable unit economics.
Third-Party Channel Momentum
Third-party channel revenue of $47 million, up 42% year-over-year. New agencies onboarded in 2025 now represent a double-digit percentage of third-party revenue and are ramping meaningfully.
Strong Profitability and Unit Economics
Adjusted EBITDA of $34 million for Q1 and contribution profit of $59 million with a 30% contribution margin. Company achieved a Rule of 40 score of 121, cited as evidence of strong combination of growth and profitability.
Customer and Product Scale
Activated 88,373 new policies in Q1, bringing cumulative activated policies to over 600,000. Average revenue per policy was $2,185. Ethos now offers 12 products across six carriers and has demonstrated ability to launch new products in under five months.
Partnerships and Distribution Wins
Announced a partnership with Liberty Mutual to license Ethos's underwriting engine and platform (non-exclusive), plus expanded carrier relationships with new Banner Life products. Also integrated a dedicated experience inside ChatGPT — positioning for emerging distribution channels.
Cash and Receivables Scale
Cash, cash equivalents, and investments totaled $224 million at quarter-end. Commission receivable balance grew to $345 million (up 19% from prior quarter), signaling embedded future cash flows tied to scaled policy base.
Operating Cash Flow Improvement
Q1 cash flow from operating activities was $31 million, representing 189% year-over-year growth (noting a one-time timing benefit of $13.9 million from amended carrier payment terms; excluding that benefit CFOA was ~ $17 million).
LIFE Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
LIFE Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 06, 2026 | $23.12 | $30.59 | +32.31% |
Feb 25, 2026 | $11.84 | $12.28 | +3.72% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Ethos Technologies Inc. Class A (LIFE) report earnings?
Ethos Technologies Inc. Class A (LIFE) is schdueled to report earning on Mar 03, 2027, After Close (Confirmed).
What is Ethos Technologies Inc. Class A (LIFE) earnings time?
Ethos Technologies Inc. Class A (LIFE) earnings time is at Mar 03, 2027, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is LIFE EPS forecast?
Currently, no data Available