LIFE
Ethos Technologies Inc.
Price Chart
Latest Quote
$18.09
-0.01 (-0.06%)
Current Price
| Previous Close | $18.10 |
| Open | $18.03 |
| Day High | $18.80 |
| Day Low | $17.35 |
| Volume | 229,528 |
Stock Information
| Shares Outstanding | 30.91M |
| Total Debt | $2.05M |
| Cash Equivalents | $144.60M |
| Revenue | $485.82M |
| Net Income | $-113.13M |
| Sector | Financial Services |
| Industry | Insurance Brokers |
| Market Cap | $1.72B |
| EPS (TTM) | $-1.71 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $997.65M |
| Sales | $485.82M |
| Income | $-113.13M |
| Book/sh | $7.01 |
| Cash/sh | $4.68 |
| Employees | 614 |
Financial Ratios
| Quick Ratio | 1.45 |
| Current Ratio | 1.67 |
| Debt/Eq | 0.47 |
Returns & Margins
| ROA | -11.85% |
| ROE | -29.12% |
| Gross Margin | 98.27% |
| Operating Margin | -84.58% |
| Profit Margin | -22.12% |
Ownership
| Insider Ownership | 6.45% |
| Institutional Ownership | 59.98% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.40 |
| P/S | 3.54 |
| P/B | 2.58 |
Analyst Data
| Recommendation | none |
| Target Price | $27.44 |
Technical Indicators
| SMA20 | $17.03 |
| SMA50 | $18.89 |
| RSI | 54.51 |
| ATR | 1.3981 |
| Shares Float | 26.15M |
| Short Float | 4.78% |
| Short Ratio | 1.61 |
| Rel Volume | 0.54 |
Performance History
| Week | +13.56% |
| Month | -6.27% |
| Quarter | +69.38% |
| YTD | +7.36% |
| 10 Years | +7.36% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-25 | $18.09 | 229,528 |
| 2026-06-24 | $18.10 | 523,800 |
| 2026-06-23 | $15.26 | 208,900 |
| 2026-06-22 | $15.53 | 426,900 |
| 2026-06-18 | $16.07 | 440,100 |
| 2026-06-17 | $15.93 | 273,300 |
| 2026-06-16 | $15.98 | 259,600 |
| 2026-06-15 | $16.46 | 453,400 |
| 2026-06-12 | $15.61 | 785,900 |
| 2026-06-11 | $17.18 | 449,000 |
| 2026-06-10 | $16.51 | 246,000 |
| 2026-06-09 | $17.69 | 494,900 |
| 2026-06-08 | $16.69 | 327,000 |
| 2026-06-05 | $16.82 | 265,700 |
| 2026-06-04 | $17.18 | 383,500 |
| 2026-06-03 | $16.89 | 319,100 |
| 2026-06-02 | $17.27 | 634,600 |
| 2026-06-01 | $18.88 | 616,300 |
| 2026-05-29 | $18.90 | 384,100 |
| 2026-05-28 | $19.58 | 709,100 |
| 2026-05-27 | $21.14 | 456,800 |
| 2026-05-26 | $19.30 | 549,900 |
About Ethos Technologies Inc.
Ethos Technologies Inc. provides third-party administrator services for insurance policies in the United States. The company offers Ethos, a three-sided technology platform that serves an ecosystem of consumers, agents, and carriers. It also provides term life insurance, whole life insurance, and indexed universal life insurance products, as well as wills and estate planning, and supplemental health insurance products. The company was formerly known as Ethos Insurance Corporation and changed its name to Ethos Technologies Inc. in August 2016. The company was incorporated in 2016 and is based in San Francisco, California.
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Ethos (LIFE) Q1 2026 Earnings Call Transcript
Motley Fool âĸ 2026-05-06T21:54:20Z
Ethos Technologies Inc. Class A Common Stock Q1 Earnings Call Highlights
MarketBeat âĸ 2026-05-06T21:44:47Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Revenue | |||
| Reconciled Cost Of Revenue | $5,830,000 | $6,485,000 | $5,902,000 |
| Cost Of Revenue | $6,733,000 | $6,527,000 | $5,902,000 |
| Total Revenue | $387,608,000 | $254,926,000 | $159,754,000 |
| Operating Revenue | $387,608,000 | $254,926,000 | $159,754,000 |
| Expenses | |||
| Interest Expense | $3,170,000 | $595,000 | $723,000 |
| Total Expenses | $314,686,000 | $206,179,000 | $162,665,000 |
| Other Income Expense | $161,000 | $185,000 | $117,000 |
| Other Non Operating Income Expenses | $161,000 | $185,000 | $117,000 |
| Net Non Operating Interest Income Expense | $2,661,000 | $5,004,000 | $5,069,000 |
| Interest Expense Non Operating | $3,170,000 | $595,000 | $723,000 |
| Operating Expense | $307,953,000 | $199,652,000 | $156,763,000 |
| Other Operating Expenses | $33,629,000 | $23,133,000 | $22,288,000 |
| Selling And Marketing Expense | $229,318,000 | $148,664,000 | $107,531,000 |
| General And Administrative Expense | $39,647,000 | $22,417,000 | $21,231,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $71,151,000 | $48,832,000 | $1,689,000 |
| Net Interest Income | $2,661,000 | $5,004,000 | $5,069,000 |
| Interest Income | $5,831,000 | $5,599,000 | $5,792,000 |
| Normalized Income | $71,151,000 | $48,832,000 | $1,689,000 |
| Net Income From Continuing And Discontinued Operation | $71,151,000 | $48,832,000 | $1,689,000 |
| Total Operating Income As Reported | $72,922,000 | $48,747,000 | $-2,911,000 |
| Net Income Common Stockholders | $71,151,000 | $48,832,000 | $1,689,000 |
| Net Income | $71,151,000 | $48,832,000 | $1,689,000 |
| Net Income Including Noncontrolling Interests | $71,151,000 | $48,832,000 | $1,689,000 |
| Net Income Continuous Operations | $71,151,000 | $48,832,000 | $1,689,000 |
| Pretax Income | $75,744,000 | $53,936,000 | $2,275,000 |
| Interest Income Non Operating | $5,831,000 | $5,599,000 | $5,792,000 |
| Operating Income | $72,922,000 | $48,747,000 | $-2,911,000 |
| Depreciation Amortization Depletion Income Statement | $5,359,000 | $5,438,000 | $5,713,000 |
| Depreciation And Amortization In Income Statement | $5,359,000 | $5,438,000 | $5,713,000 |
| Gross Profit | $380,875,000 | $248,399,000 | $153,852,000 |
| Per Share | |||
| Diluted EPS | $1.14 | $0.78 | $0.03 |
| Basic EPS | $1.14 | $0.78 | $0.03 |
| Other | |||
| Tax Effect Of Unusual Items | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $85,176,000 | $60,011,000 | $8,711,000 |
| Reconciled Depreciation | $6,262,000 | $5,480,000 | $5,713,000 |
| EBITDA (Bullshit earnings) | $85,176,000 | $60,011,000 | $8,711,000 |
| EBIT | $78,914,000 | $54,531,000 | $2,998,000 |
| Diluted Average Shares | $62,558,380 | $62,558,380 | $62,558,380 |
| Basic Average Shares | $62,558,380 | $62,558,380 | $62,558,380 |
| Diluted NI Availto Com Stockholders | $71,151,000 | $48,832,000 | $1,689,000 |
| Tax Provision | $4,593,000 | $5,104,000 | $586,000 |
| Selling General And Administration | $268,965,000 | $171,081,000 | $128,762,000 |
| Other Gand A | $39,647,000 | $22,417,000 | $21,231,000 |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $-27,016,000 | $-109,609,000 | $-161,448,000 |
| Total Assets | $515,337,000 | $395,881,000 | $279,654,000 |
| Total Non Current Assets | $269,533,000 | $221,075,000 | $130,779,000 |
| Other Non Current Assets | $574,000 | $558,000 | $180,000 |
| Non Current Accounts Receivable | $224,219,000 | $173,096,000 | $119,245,000 |
| Investmentin Financial Assets | $31,468,000 | $35,002,000 | $0 |
| Goodwill And Other Intangible Assets | $2,900,000 | $2,459,000 | $2,268,000 |
| Other Intangible Assets | $662,000 | $221,000 | $30,000 |
| Current Assets | $245,804,000 | $174,806,000 | $148,875,000 |
| Other Current Assets | $7,018,000 | $3,543,000 | $2,168,000 |
| Current Deferred Assets | $7,241,000 | $0 | $0 |
| Prepaid Assets | $40,294,000 | $22,527,000 | $0 |
| Receivables | $65,284,000 | $45,382,000 | $17,730,000 |
| Accounts Receivable | $65,284,000 | $45,382,000 | $17,730,000 |
| Gross Accounts Receivable | $65,284,000 | $45,382,000 | $17,859,000 |
| Cash Cash Equivalents And Short Term Investments | $125,967,000 | $103,354,000 | $128,977,000 |
| Cash And Cash Equivalents | $91,091,000 | $35,075,000 | $25,020,000 |
| Allowance For Doubtful Accounts Receivable | - | $45,000 | $-129,000 |
| Debt | |||
| Total Debt | $2,353,000 | $2,617,000 | $798,000 |
| Long Term Debt And Capital Lease Obligation | $1,228,000 | $1,864,000 | $249,000 |
| Current Debt And Capital Lease Obligation | $1,125,000 | $753,000 | $549,000 |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $539,453,000 | $503,031,000 | $438,834,000 |
| Total Non Current Liabilities Net Minority Interest | $426,263,000 | $435,431,000 | $411,741,000 |
| Other Non Current Liabilities | $12,509,000 | $25,663,000 | $7,495,000 |
| Non Current Deferred Liabilities | $8,529,000 | $3,907,000 | $0 |
| Non Current Deferred Taxes Liabilities | $8,529,000 | $3,907,000 | $0 |
| Current Liabilities | $113,190,000 | $67,600,000 | $27,093,000 |
| Other Current Liabilities | $50,000 | $66,000 | $22,000 |
| Payables And Accrued Expenses | $107,136,000 | $54,611,000 | $25,755,000 |
| Payables | $68,846,000 | $35,394,000 | $13,836,000 |
| Other Payable | $934,000 | - | - |
| Total Tax Payable | $1,092,000 | $1,709,000 | $778,000 |
| Accounts Payable | $66,820,000 | $33,685,000 | $13,058,000 |
| Equity | |||
| Common Stock Equity | $-24,116,000 | $-107,150,000 | $-159,180,000 |
| Total Equity Gross Minority Interest | $-24,116,000 | $-107,150,000 | $-159,180,000 |
| Stockholders Equity | $-24,116,000 | $-107,150,000 | $-159,180,000 |
| Gains Losses Not Affecting Retained Earnings | $-554,000 | $-478,000 | $-158,000 |
| Retained Earnings | $-102,514,000 | $-173,665,000 | $-222,497,000 |
| Preferred Securities Outside Stock Equity | $403,997,000 | $403,997,000 | $403,997,000 |
| Other | |||
| Ordinary Shares Number | $62,558,380 | $62,558,380 | $62,558,380 |
| Share Issued | $62,558,380 | $62,558,380 | $62,558,380 |
| Tangible Book Value | $-27,016,000 | $-109,609,000 | $-161,448,000 |
| Invested Capital | $-24,116,000 | $-107,150,000 | $-159,180,000 |
| Working Capital | $132,614,000 | $107,206,000 | $121,782,000 |
| Capital Lease Obligations | $2,353,000 | $2,617,000 | $798,000 |
| Total Capitalization | $-24,116,000 | $-107,150,000 | $-159,180,000 |
| Additional Paid In Capital | $78,950,000 | $66,991,000 | $63,473,000 |
| Capital Stock | $2,000 | $2,000 | $2,000 |
| Common Stock | $2,000 | $2,000 | $2,000 |
| Long Term Capital Lease Obligation | $1,228,000 | $1,864,000 | $249,000 |
| Current Capital Lease Obligation | $1,125,000 | $753,000 | $549,000 |
| Current Provisions | $4,879,000 | $12,170,000 | $767,000 |
| Current Accrued Expenses | $38,290,000 | $19,217,000 | $11,919,000 |
| Investments And Advances | $31,468,000 | $35,002,000 | $0 |
| Held To Maturity Securities | $31,468,000 | $35,002,000 | $0 |
| Goodwill | $2,238,000 | $2,238,000 | $2,238,000 |
| Net PPE | $10,372,000 | $9,960,000 | $9,086,000 |
| Accumulated Depreciation | $-18,345,000 | $-13,272,000 | $-8,555,000 |
| Gross PPE | $28,717,000 | $23,232,000 | $17,641,000 |
| Leases | $7,000 | $1,000 | $25,000 |
| Other Properties | $2,324,000 | $2,677,000 | $87,000 |
| Machinery Furniture Equipment | $26,386,000 | $20,554,000 | $16,770,000 |
| Properties | $0 | $0 | $0 |
| Other Short Term Investments | $34,876,000 | $68,279,000 | $103,957,000 |
| Buildings And Improvements | - | $2,536,000 | $759,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $29,948,000 | $-15,492,000 | $-42,032,000 |
| Operating Activities | |||
| Operating Cash Flow | $36,225,000 | $-10,908,000 | $-37,124,000 |
| Cash Flow From Continuing Operating Activities | $36,225,000 | $-10,908,000 | $-37,124,000 |
| Operating Gains Losses | $-303,000 | $-199,000 | $17,000 |
| Investing Activities | |||
| Capital Expenditure | $-6,277,000 | $-4,584,000 | $-4,908,000 |
| Investing Cash Flow | $31,867,000 | $-896,000 | $-9,159,000 |
| Cash Flow From Continuing Investing Activities | $31,867,000 | $-896,000 | $-9,159,000 |
| Financing Activities | |||
| Financing Cash Flow | $-12,049,000 | $21,857,000 | $-1,642,000 |
| Cash Flow From Continuing Financing Activities | $-12,049,000 | $21,857,000 | $-1,642,000 |
| Net Other Financing Charges | $-13,107,000 | $21,648,000 | $-1,973,000 |
| Other | |||
| End Cash Position | $91,091,000 | $35,075,000 | $25,020,000 |
| Beginning Cash Position | $35,075,000 | $25,020,000 | $72,947,000 |
| Effect Of Exchange Rate Changes | $-27,000 | $2,000 | $-2,000 |
| Changes In Cash | $56,043,000 | $10,053,000 | $-47,925,000 |
| Proceeds From Stock Option Exercised | $1,058,000 | $209,000 | $331,000 |
| Net Investment Purchase And Sale | $38,144,000 | $3,688,000 | $-4,251,000 |
| Sale Of Investment | $104,853,000 | $158,363,000 | $149,945,000 |
| Purchase Of Investment | $-66,709,000 | $-154,675,000 | $-154,196,000 |
| Net Intangibles Purchase And Sale | $-4,786,000 | $-3,808,000 | $-4,585,000 |
| Purchase Of Intangibles | $-4,786,000 | $-3,808,000 | $-4,585,000 |
| Net PPE Purchase And Sale | $-1,491,000 | $-776,000 | $-323,000 |
| Purchase Of PPE | $-1,491,000 | $-776,000 | $-323,000 |
| Change In Working Capital | $-58,062,000 | $-69,556,000 | $-45,287,000 |
| Change In Other Current Liabilities | $-10,238,000 | $11,378,000 | $-5,844,000 |
| Change In Payables And Accrued Expense | $49,551,000 | $19,989,000 | $-2,790,000 |
| Change In Accrued Expense | $18,920,000 | $7,298,000 | $1,861,000 |
| Change In Payable | $30,631,000 | $12,691,000 | $-4,651,000 |
| Change In Account Payable | $30,631,000 | $12,691,000 | $-4,651,000 |
| Change In Prepaid Assets | $-21,350,000 | $-24,280,000 | $-221,000 |
| Change In Receivables | $-76,025,000 | $-76,643,000 | $-36,444,000 |
| Changes In Account Receivables | $-11,195,000 | $-13,626,000 | $-36,444,000 |
| Other Non Cash Items | $1,959,000 | $-2,538,000 | $-2,879,000 |
| Stock Based Compensation | $10,596,000 | $3,166,000 | $3,607,000 |
| Deferred Tax | $4,622,000 | $3,907,000 | $0 |
| Deferred Income Tax | $4,622,000 | $3,907,000 | $0 |
| Depreciation Amortization Depletion | $6,262,000 | $5,480,000 | $5,729,000 |
| Depreciation And Amortization | $6,262,000 | $5,480,000 | $5,729,000 |
| Depreciation | $6,262,000 | $5,480,000 | $5,729,000 |
| Net Foreign Currency Exchange Gain Loss | $-303,000 | $-199,000 | $-87,000 |
| Net Income From Continuing Operations | $71,151,000 | $48,832,000 | $1,689,000 |
| Income Tax Paid Supplemental Data | - | $517,000 | $487,000 |
| Change In Other Current Assets | - | $-378,000 | $12,000 |
| Gain Loss On Sale Of PPE | - | $0 | $104,000 |
Fetched: 2026-06-18