LIFE Financial Services

Ethos Technologies Inc.

$40.88-4.08%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Insurance Brokers
Country: United States
Market cap: 3.9B USD
Full-time employees: 614

Overall health

Strength: growing faster than most peersgrowing faster than peers
Drawback: less profitable than most peersless profitable than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
About average: risk (debt, liquidity and share-price swings)risk

Ranks #176 of 232 financial services companies (bottom 25%)

See how it ranks against its peers

Worth knowing

Growing fast, still losing money. Revenue grew faster than 88% of peers, at an operating loss.
Revenue grew faster than 88% of peers, but the business runs at an operating loss (margin -18%).
Little borrowing. Debt is 0.00× equity vs a peer median of 0.6×.Debt is 0.00× equity vs peers 0.6×.
Ethos Technologies has among the least debt in its peer group relative to shareholders' equity.

StockQuotient Score

40/ 100

Oct 5 40 → Nov 4 40

Valuation

Is the price right?

7/100

Weak

3/3 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ Earnings yield
▼ EBITDA yield
▼ FCF yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield-2.7%

SEC filings · 12 months to Jun 2026Negative (a loss or cash outflow), so it counts as zero whatever the share price30% base weight · Z-score -1.54Sector median: 0.0571 · MAD: 0.0371

EBITDA yield-3.6%

Yahoo Finance fallback · SEC enterprise value unavailable (debt or EBITDA not reported in standard form) · trailing 12 monthsNegative (a loss or cash outflow), so it counts as zero whatever the share price50% base weight · Z-score -1.61Sector median: 0.0689 · MAD: 0.0428

Free cash flow yield2.0%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported value20% base weight · Z-score -0.69Sector median: 0.0613 · MAD: 0.0605

Other data (not scored)

Book yield12.2%

SEC filings · latest balance sheetReported valueInformational · 0% composite weightSector median: 0.8352 · MAD: 0.4517

Growth

Is it growing?

87/100

Strong

2/3 inputs reported · Partial data

Since last quarter: ▲ Stronger

12-month revenue up 20.7%

Why

Stronger than most peers on:

▲ Revenue growth
▲ EPS growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth45.7%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported value33% base weight · Z-score 1.29Sector median: 0.0999 · MAD: 0.2773

3-year revenue growthUnavailable

Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.0999 · MAD: 0.0858

Revenue growth52.0%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported value33% base weight · Z-score 3.02Sector median: 0.0742 · MAD: 0.1477

Profitability

Does it earn well?

4/100

Weak

3/3 inputs reported · High confidence

Since last quarter: ▲ Stronger

Operating margin rose 3.5 points to -17.7%

Why

Weaker than most peers on:

▼ ROA
▼ ROIC
▼ Operating margin

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin-17.7%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -2.82Sector median: 0.2353 · MAD: 0.1462

Return on assets-15.3%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile33% base weight · Z-score -3.22Sector median: 0.0256 · MAD: 0.0233

Return on invested capital-22.5%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile33% base weight · Z-score -3.25Sector median: 0.0630 · MAD: 0.0518

Other data (not scored)

Gross margin98.1%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122

Return on equity-22.4%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702

Risk

Debt, liquidity, price swings

Moderate

Moderate relative risk

2/3 inputs reported · Partial data

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Safety percentile 63 → 62

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ Debt / equity
▼ Current ratio

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

BetaUnavailable

Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.7010 · MAD: 0.3115

Current ratio1.52×

SEC filings · latest balance sheetReported value33% base weight · Z-score -0.41Sector median: 2.0250 · MAD: 1.2470

Debt / equity<0.01×

Yahoo Finance fallback · no standard SEC debt tagReported value33% base weight · Z-score 1.04Sector median: 0.5734 · MAD: 0.5454

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Ethos Technologies

Is Ethos Technologies getting weaker?: Its latest SEC filing (Aug 5, 2026) got stronger: operating margin rose 3.5 points to -17.7%. Its overall score is unchanged at 40/100 since Oct 28, 2026.
How is Ethos Technologies valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 7/100 against 432 financial services peers. Earnings yield -2.7% vs a peer median of 5.7% (weaker than 100% of peers).Earnings yield -2.7% vs peers 5.7% (weaker than 100% of peers).
Is Ethos Technologies growing?: Yes, faster than most of its peers. Growth scores 87/100 against 432 financial services peers. Revenue growth 52.0% vs a peer median of 7.4% (stronger than 88% of peers).Revenue growth 52.0% vs peers 7.4% (stronger than 88% of peers).
How profitable is Ethos Technologies?: Less profitable than most of its peers. Profitability scores 4/100 against 432 financial services peers. Return on assets -15.3% vs a peer median of 2.6% (weaker than 100% of peers).Return on assets -15.3% vs peers 2.6% (weaker than 100% of peers).
How risky is Ethos Technologies?: Moderate risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Debt / equity <0.01× vs a peer median of 0.57× (stronger than 94% of peers).Debt / equity <0.01× vs peers 0.57× (stronger than 94% of peers). Current ratio 1.52× vs a peer median of 2.02× (weaker than 61% of peers).Current ratio 1.52× vs peers 2.02× (weaker than 61% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 5, 2026 · compared with the quarter ended Mar 31, 2026

Got stronger

Operating margin rose 3.5 points to -17.7%

Worth watching: Ethos Technologies is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.

	Previous quarter	Latest quarter	Change
Revenue (12 months)	485.8M USD	586.5M USD	+20.7%
Net income (12 months)	−107.5M USD	−106.4M USD	−1.0%
Operating margin	-21.2%	-17.7%	+3.5 pts
Free cash flow (12 months)	55.1M USD	77.5M USD	+40.7%
Cash	107.9M USD	112.2M USD	+3.9%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Financial Services · 98 companies

Valuations in Financial Services are above their usual range since 2016.

67% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
Median price-to-sales is +30% vs the whole market, against a usual +47%.

2016Shaded: most expensive fifth of its range2026

Shown for Financial Services: too few Insurance Brokers companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2024	FY 2025	Change
Operating margin	19.1%	18.8%	▼ 0.3 pts
Net margin	19.2%	18.4%	▼ 0.8 pts
Return on assets (ROA)	12.3%	13.8%	▲ 1.5 pts

LIFE price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: growing faster than most peersgrowing faster than peers

Drawback: less profitable than most peersless profitable than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

About average: risk (debt, liquidity and share-price swings)risk

Ranks #176 of 232 financial services companies (bottom 25%)

See how it ranks against its peers

Worth knowing

Growing fast, still losing money. Revenue grew faster than 88% of peers, at an operating loss.

Revenue grew faster than 88% of peers, but the business runs at an operating loss (margin -18%).

Little borrowing. Debt is 0.00× equity vs a peer median of 0.6×.Debt is 0.00× equity vs peers 0.6×.

Ethos Technologies has among the least debt in its peer group relative to shareholders' equity.

Questions investors ask about Ethos Technologies

Is Ethos Technologies getting weaker?

Its latest SEC filing (Aug 5, 2026) got stronger: operating margin rose 3.5 points to -17.7%. Its overall score is unchanged at 40/100 since Oct 28, 2026.

How is Ethos Technologies valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 7/100 against 432 financial services peers. Earnings yield -2.7% vs a peer median of 5.7% (weaker than 100% of peers).Earnings yield -2.7% vs peers 5.7% (weaker than 100% of peers).

Is Ethos Technologies growing?

Yes, faster than most of its peers. Growth scores 87/100 against 432 financial services peers. Revenue growth 52.0% vs a peer median of 7.4% (stronger than 88% of peers).Revenue growth 52.0% vs peers 7.4% (stronger than 88% of peers).

How profitable is Ethos Technologies?

Less profitable than most of its peers. Profitability scores 4/100 against 432 financial services peers. Return on assets -15.3% vs a peer median of 2.6% (weaker than 100% of peers).Return on assets -15.3% vs peers 2.6% (weaker than 100% of peers).

How risky is Ethos Technologies?

Moderate risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Debt / equity <0.01× vs a peer median of 0.57× (stronger than 94% of peers).Debt / equity <0.01× vs peers 0.57× (stronger than 94% of peers). Current ratio 1.52× vs a peer median of 2.02× (weaker than 61% of peers).Current ratio 1.52× vs peers 2.02× (weaker than 61% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

485.8M USD

586.5M USD

+20.7%

Net income (12 months)

−107.5M USD

−106.4M USD

−1.0%

Operating margin

-21.2%

-17.7%

+3.5 pts

Free cash flow (12 months)

55.1M USD

77.5M USD

+40.7%

Cash

107.9M USD

112.2M USD

+3.9%

Key ratios

FY 2024

FY 2025

Change

Operating margin

19.1%

18.8%

▼ 0.3 pts

Net margin

19.2%

18.4%

▼ 0.8 pts

Return on assets (ROA)

12.3%

13.8%

▲ 1.5 pts