Ethos Technologies Inc. (LIFE) Stock Score, Valuation & Financial Research

Ethos Technologies Inc. is in the Financial Services sector and Insurance - Brokers industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. A complete Wall Street Score is not currently available.

Quick answer for LIFE

Ethos Technologies Inc. does not currently have a complete Wall Street Score. The stored market price is USD 35.05. These figures are a research snapshot, not a buy or sell recommendation.

What Ethos Technologies Inc. does

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.

Company business and revenue

Research reporting period: 2025-12-31. A research update is not a new financial filing.

How the company makes money

Ethos operates a capital-light, three-sided technology platform that connects consumers, insurance agents, and carriers. The company generates revenue primarily through commissions and fees earned from the distribution of life insurance products, leveraging its proprietary digital underwriting and data analytics to streamline the application and policy issuance process.

Products and services

  • Ethos provides a digital platform for term life, whole life, and indexed universal life insurance, alongside supplemental health insurance and estate planning tools.

Brands and product families

  • Ethos — The primary brand under which the company provides its digital life insurance platform. Source

Annual revenue by business

  • Term Life Insurance: USD 262,614,000 · 67.75% calculated revenue share (period 2025-12-31) Source
  • Other Products: USD 124,994,000 · 32.25% calculated revenue share (period 2025-12-31) Source

Revenue share is not a unit-sales or best-seller ranking. Categories may overlap; do not add rows from different breakdowns.

Customer types

Consumers; Insurance Agents; Insurance Carriers.

Suppliers, materials and equipment

  • Insurance Carriers — Various third-party insurance carriers that underwrite and issue the policies distributed through the Ethos platform. Source

Business strengths to evaluate

  • Proprietary digital underwriting and data analytics technology Source
  • Capital and asset-light business model Source

Business risks and research considerations

  • Dependence on third-party insurance carriers for product underwriting and capacity Source
  • Regulatory risks associated with insurance distribution and data privacy Source

Sources: Company research source · Term Life Insurance

Company research refreshed 2026-10-12. This is saved research, not a live check of company relationships. Check the reporting period and source disclosures. Financial figures and scores follow their separate update schedules.

LIFE financial snapshot

Statement amounts: USD. Quote amounts: USD. No exchange-rate conversion is performed in this snapshot. Market-capitalization currency is not supplied by this projection.

Wall Street Score:
Not currently available
Stored price:
USD 35.05
Market capitalization:
2.22B (currency not supplied)
Revenue:
USD 586.53M
Net income:
USD -106.43M
Free cash flow:
USD 29.95M
Cash:
USD 112.16M
Total debt:
USD 20M
EPS:
USD -2.62

What stands out

  • Reported year-over-year revenue growth is +51.3%.
  • Free cash flow is USD 29.95M, positive for the stored period.
  • The balance sheet shows USD 112.16M of cash versus USD 20M of total debt, an excess of cash over debt on these two reported measures.
  • The current research record carries a limited financial history warning, which should be reviewed alongside the score.

Company-specific financial comparisons

The following are calculated from saved company data, not forecasts or statements about future performance. Differences in reporting dates or units can make a ratio misleading; verify the original filings.

  • Free cash flow is 5.1% of stored revenue. This is a simple cross-field ratio, not a verified same-period cash conversion margin; confirm reporting periods before comparison.
  • Net income equals -18.1% of stored revenue. This is an indicative ratio only; accounting periods and units should be verified in filings.
  • Cash exceeds debt by USD 92.16M using the stored balance-sheet values. This does not include other obligations or restricted cash.

Questions worth answering for LIFE

Use these questions to check the stored figures against the latest company filings. They identify issues to investigate; they are not findings about management's plans or future results.

  • Can LIFE sustain its current revenue growth while also converting that growth into durable profit and free cash flow?
  • Is LIFE's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
  • How is LIFE likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
  • What specifically needs to improve for LIFE to reach sustainable profitability?
  • What does the current limited financial history warning mean for the reliability or interpretation of LIFE's score?

What the numbers mean

A complete valuation score is not currently available, so valuation should be checked using the available earnings, cash-flow and price data.

A complete financial score is not currently available, so investors should review cash, debt, earnings and cash flow directly.

A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.

Data freshness: Financial data last refreshed 2026-10-01.

Research-input completeness: 64% of the scoring inputs required for this public page are currently available.

How to research LIFE

Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.

Learn how to analyze a stock · Read the Wall Street Score methodology · Browse other stocks

Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.