# Ethos Technologies Inc. (LIFE)

> Source: Nexqual · https://nexqual.com/LIFE · data as of 2026-10-15 20:00 UTC · cite as "Nexqual, Ethos Technologies Inc. (LIFE), nexqual.com/LIFE" · informational, not investment advice.

**Price:** USD 38.76 (-0.54% on the day) · last close of Oct 15, 2026; US market closed, not a live price. Prev close 38.97 · day 36.99–39.3 · 52w 9.45–42.55 · market cap $2.52B · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $566M, net income -$116M (-20.5% margin), free cash flow $89.6M (SEC filings).
- Analysts: Buy (mean 1.89 on a 1–5 scale) (9 analysts), mean target USD 37.5 (range 32–43).
- Total return with dividends: 1Y +130.0% vs S&P 500 +18.1%; 5Y +157.5% vs S&P 500 +85.1%.
- Next earnings: 2026-11-02, EPS estimate USD 0.35, revenue estimate $169M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2025 | FY2025 | TTM |
|---|---|---|---|
| Revenue | $255M | $388M | $566M |
| Gross profit | $248M | $381M | — |
| Operating income | $48.7M | $72.9M | -$114M |
| Net income | $48.8M | $71.2M | -$116M |
| EPS (diluted) | $0.85 | $1.22 | — |
| Free cash flow | -$11.7M | $34.7M | $89.6M |
| Gross margin | 97.4% | 98.3% | — |
| Operating margin | 19.1% | 18.8% | -20.1% |
| Net margin | 19.2% | 18.4% | -20.5% |
| Revenue growth | — | +52.0% | — |
| Cash + short-term investments | $103M | $126M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/S 4.5x · P/FCF 28.1x · P/B 5.3x · FCF yield 3.56% · Earnings yield -4.61%

## Analysts
Consensus Buy (mean 1.89 on a 1–5 scale), 9 analysts; mean target USD 37.5 (low 32, high 43).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-12 | Citizens | Target raised | Market Outperform | $33 → $40 |
| 2026-10-01 | JP Morgan | Downgrade | Overweight → Neutral | $37 |
| 2026-08-04 | Citigroup | Target raised | Buy | $27 → $33 |
| 2026-08-04 | Citizens | Target raised | Market Outperform | $27 → $33 |
| 2026-08-04 | Baird | Target raised | Outperform | $26 → $32 |
| 2026-08-04 | Barclays | Target raised | Overweight | $27 → $37 |
| 2026-07-13 | JP Morgan | Target raised | Overweight | $21.5 → $23 |

## Total return (dividends reinvested)
|  | 1Y (from 2026-01-29) | 5Y (from 2026-01-26) |
|---|---|---|
| Total return | +130.0% | +157.5% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | — | — |
| Volatility (annualized) | 89.1% | 111.6% |
| Max drawdown | -50.1% (May 2026→Jun 2026) | -47.5% (May 2026→Jun 2026) |

## Peers (Insurance Brokers)
GSHD (Goosehead Insurance, Inc.) USD 45.6 +2.61% · NP (Neptune Insurance Holdings Inc.) USD 29.45 +0.96% · CRVL (CorVel Corp.) USD 80.29 +1.88% · ARX (Accelerant Holdings) USD 19.76 -0.05% · BWIN (The Baldwin Insurance Group, In) USD 31.93 +0.19% · CRD-A (Crawford & Company) USD 12.41 -1.59%

## More
Full page: https://nexqual.com/LIFE · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt