Ethos Technologies Inc. Class A (LIFE)

NASDAQ:LIFE

LIFE

Ethos Technologies Inc. Class A

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Ethos Technologies Inc. Class A (LIFE) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

May 06, 2026

After Close (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

-1.34

Last Year’s EPS

0.2

Same Quarter Last Year

Analyst Consensus

Strong Buy

Based on 9 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Feb 25, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call emphasized robust growth, strong unit economics and clear technology-driven advantages: 65% Q4 revenue growth, 52% full-year growth, a $25.8M adjusted EBITDA and high contribution margins. Management provided confident guidance for Q1 and FY2026 while highlighting accelerating product and testing velocity, agent adoption and underwriting efficiency. Principal risks discussed include a meaningful commission receivable balance, the early/uncertain stage of certain new products (notably the cancer insurance), incremental time/cost to launch new products, some carrier concentration and seasonal/macro variability. On balance, the positive execution, strong metrics and growth trajectory outweigh these manageable risks.

Company Guidance

Ethos guided Q1 2026 revenue of $144–$146 million (midpoint +53% YoY) and adjusted EBITDA of $30–$32 million, and full‑year 2026 revenue of $510–$514 million (midpoint +32% YoY) with adjusted EBITDA of $99–$103 million. That outlook is anchored to Q4/2025 results of $110.1M revenue (+65% YoY), $25.8M adjusted EBITDA (23% margin), 54,714 policies activated (+42% YoY) at $2,012 average revenue per policy, $47.2M contribution profit (43% contribution margin) and FY2025 revenue of $388M (+52%) with a Rule of 40 of 75; management also noted $157.4M in cash and investments, $290M commission receivables, a 2‑month payback on variable costs, ~95% instant decisioning, 98% gross margin and seasonality (Q1 and Q4 strongest), and expects the guidance to benefit from continued product ramps and expansion of direct and third‑party channels.

Quarterly Revenue Growth

Q4 revenue of $110.1M, representing 65% year-over-year growth, driven by strength in both direct and third-party channels.

Strong Adjusted EBITDA and Margin

Q4 adjusted EBITDA of approximately $25.8M–$26M with an adjusted EBITDA margin of 23%, demonstrating earnings power while scaling.

Direct Channel Outperformance

Direct (D2C) Q4 revenue of $74.2M, up 93% year-over-year, reflecting improved marketing efficiency, conversion rate gains and underwriting optimizations.

Policy and Agent Growth

Activated 54,714 new policies in Q4 (+42% YoY) and surpassed 500,000 total policies activated through Q4; over 15,000 agents selling on the platform in 2025.

Full-Year Results and Operating Efficiency

Full-year 2025 revenue of $388M (+52% YoY), marking the third consecutive year with >50% growth; contribution profit of $47.2M in Q4 with a 43% contribution margin and a 2-month payback on variable costs.

Healthy Balance Sheet and Receivables

Cash, cash equivalents and investments of $157.4M as of December 31, 2025, and a commission receivable balance of $290M expected to convert to cash over coming years.

Technology and Underwriting Advantages

95% instant underwriting decisioning rate; claimed 98% gross margin driven by AI/ML and integrated data infrastructure; testing velocity improved from roughly 3 weeks (2023) to as few as 3 days (Jan 2026).

Product Expansion and Early Adoption

Launched two new products in Q4 — an accumulation indexed universal life (IUL) with North American Sammons (showing healthy agent adoption) and a supplementary cancer insurance product with Aflac (early tests).

Forward Guidance and Growth Visibility

Q1 2026 revenue guidance of $144M–$146M (midpoint +53% YoY) and adjusted EBITDA guidance of $30M–$32M; FY2026 revenue guidance of $510M–$514M (midpoint +32% YoY) and adjusted EBITDA of $99M–$103M, reflecting continued top-line momentum.

Rule of 40 and Customer Satisfaction

Generated a Rule of 40 score of 75 and reported a Net Promoter Score (NPS) over 70, indicating strong balance of growth/profitability and high customer satisfaction.

Ethos Technologies Inc. Class A (LIFE) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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LIFE Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Press Release	Slides	Play Transcript
May 06, 2026	2026 (Q1)	-1.34 / -	0.195	―		―	―
Feb 25, 2026	2025 (Q4)	0.40 / 0.42	0.152	177.63% (+0.27)

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
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 May 06, 2026, After Close (Confirmed).

What is Ethos Technologies Inc. Class A (LIFE) earnings time?

Ethos Technologies Inc. Class A (LIFE) earnings time is at May 06, 2026, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is LIFE EPS forecast?

LIFE EPS forecast for the fiscal quarter 2026 (Q1) is -1.34.