Ethos Technologies Inc. (LIFE)
Financials · Insurance Technology (InsurTech) · NASDAQ
Ethos Technologies is a digital insurance distribution platform that digitizes and simplifies the process of buying and selling life insurance.
What Ethos Technologies Inc. does
Ethos Technologies operates a digital platform that facilitates the sale of insurance products, primarily life insurance, by connecting consumers and independent insurance agencies with licensed insurance carriers. The company generates revenue primarily through commissions paid by carriers based on the premiums of activated policies sold through its platform. Its business model incorporates both direct-to-consumer distribution and a third-party channel involving fintech companies and insurance agents.
Themes: insurtech, digital insurance distribution, fintech
Fundamentals
- Price$39.11 as of 2026-08-26 close
- Market cap$2.2B as of 2026-08-26
- P/En/a negative earnings
- Net margin-401.9% as of 2026-08-26
- Gross margin+96.3% as of 2026-08-26
- ROE-28.4% as of 2026-08-26
- Debt / equity0.05 as of 2026-08-26
- Revenue growth (YoY)+190.9% as of 2026-08-26
- Beta1.77 as of 2026-08-26
- Last reported earnings2026-08-03 SEC EDGAR Form 8-K (Item 2.02)
How LIFE compares in its sector
- net profit marginbottom 10% 538 covered Financials peers, as of 2026-08-26
- operating marginbottom 10% 534 covered Financials peers, as of 2026-08-26
- gross margintop 10% 176 covered Financials peers, as of 2026-08-26
- return on equitybottom 10% 575 covered Financials peers, as of 2026-08-26
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
LIFE is not currently in any published Top 10 list. Its scores are below.
Long-term score
68.1 #83 of 1,603 scored · #48 of 247 in Financials
Growth 100th (revenue growth year over year 190.9%) and valuation 100th (price to book 0.3); weakest is profitability (4th, operating margin -436.8%, return on equity -28.4%).
Short-term score
61.6 #152 of 1,698 scored · #21 of 275 in Financials
Volume and participation 94th: it gapped 19.7% above the previous close and has not traded back through the level it left behind — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed; trend 94th: it is trading 64.7% above its 50-day average, the short-term trend line; weakest is setup 43rd: day-to-day price swings are about average versus its own recent 6-month history. Its score is docked 10 points for overextended (RSI above 75 or stochastic above 90). Its short interest was not measured, so no short-interest deduction applies.
Scores as of 26 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 3.
How Ethos Technologies Inc. looks technically
Ethos Technologies Inc. (LIFE): a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 52, with buyers in control. Momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 81, in overbought territory (above 70). It just made a new 20-day high, pushing above its recent trading range.
Trend
8
| Distance from the 200-day | not current — this company's price series (ends 2026-08-10) is 12 trading sessions behind the rest of the catalog | n/a |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $23.74 | $23.74 |
| 200-day moving average | not current — this company's price series (ends 2026-08-10) is 12 trading sessions behind the rest of the catalog | n/a |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 12 calendar days ago — the swings before that are what the structure reading is measured on | 12 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 21.25. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 4 |
| Since the 50/200 cross | not current — this company's price series (ends 2026-08-10) is 12 trading sessions behind the rest of the catalog | n/a |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 52, with buyers in control | 52.4 |
Momentum
3
| 14-day RSI | momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 81, in overbought territory (above 70) | 81.1 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($29.39 to $40.97) — its "stochastic" reading is 84 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 83.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 21 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $40.97 | $40.97 |
|---|---|---|
| From the 52-week high | it is 4.5% below its 52-week high (its highest price of the past year) | -4.5% |
| Above the 52-week low | it is 313.9% above its 52-week low (its lowest price of the past year) | +313.9% |
| Below the 52-week high | it is 4.5% below its highest point of the past year | 4.5% |
| Since a 20-day breakout | it just made a new 20-day high, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day high, pushing above its recent trading range | 1 session |
| All-time high | its highest closing price on record is $40.97 (set on 2026-08-26) | $40.97 |
| Given back of the 52-week move | not available for this company yet | n/a |
| From the all-time high | it is 4.5% below its all-time high | -4.5% |
| Nearest price level | not enough price history yet — needs 252 trading sessions | n/a |
| All-time low | its lowest closing price on record is $9.45 (set on 2026-02-12) | $9.45 |
| Above the all-time low | it is 313.9% above its all-time low | +313.9% |
Volatility
4
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 69th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $2.52 between its high and its low — about 6.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $2.52 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $21.15 and $42.12 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $21.15 – $31.63 – $42.12 |
| Typical daily range (% of price) | its price moves about 6.4% in a typical session — more volatile than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 6.4% |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.22× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 5.3% since the prior reading | +5.3% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-26 0.8% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.8% |
|---|---|---|
| Open gap | it gapped 19.7% above the previous close 16 sessions ago and has not traded back through the level it left behind at 22.83 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +19.7% |
| Gap filled | a 3.3% gap down opened on 2026-08-24 has been "filled" 2 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 2 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 5 sessions in a row, a +19.06% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 5 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 107.7 percentage points (the stock gained 111.4% while the market gained 3.7%) | +107.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 118.2 percentage points (the stock gained 121.0% while the market gained 2.7%) | +118.2% |
| vs market, 6 months | over the past 6 months this stock beat the market by 207.3 percentage points (the stock gained 218.5% while the market gained 11.1%) | +207.3% |
| vs market, 12 months | not available for this company yet | n/a |
Signal agreement
2
| Bullish technical signals | 5 of the 7 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 7 |
|---|---|---|
| Bearish technical signals | 2 of the 7 technical signals we can compute for it are currently in a bearish state: its RSI momentum gauge is overbought (a stretched reading), near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 2 of 7 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 64% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-21 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thick, spanning 12.7% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | +64.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 78% above the average price paid since 2026-01-29, so the typical buyer over that stretch is showing a gain. That average is $21.98 — a volume-weighted average of daily closes over 135 sessions, not a true tick-by-tick VWAP. | +78.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is 23% above the average price paid since it last reported on 2026-08-03 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $31.90 — a volume-weighted average of daily closes over 18 sessions, not a true tick-by-tick VWAP. | +22.6% |
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes below $21.25.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
On past moves of this shape the leg has usually ended somewhere between $26.63 and $31.41 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 3 trading days, since 2026-08-24.
Read from daily closes as of 2026-08-26.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Overbought (14-day RSI above 70) · Broke out to a new 20-day high · in a strong, established uptrend (ADX) · Analyst price target recently RAISED · On a winning streak (5+ higher closes in a row) · Most volatile (6%+ typical daily range) | Learn: adx · rsi · breakout
Based on daily closing prices as of 2026-08-26. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.33 mean, 1=Strong Buy…5=Strong Sell) — 8 analysts
- Mean price target$34.88 range $32.00 – $40.00; median $34.00
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for LIFE
- Consensus EPS estimate$0.3531 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Uncertainty regarding future profitability and net losses","Dependence on insurance carrier partners for products and commission structures","Exposure to agent debt and persistency risk for activated policies"]
Insider activity (SEC Form 4)
0 open-market purchases and 12 open-market sales by insiders in the last 90 days.
- Last 90 days0 buys · 12 sells ($12M) — 1 selling insider
- Last 180 days0 buys · 23 sells ($19M) — 5 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-28. As of 2026-08-27.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about LIFE's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding LIFE as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 723,917
- Reported value $8,086,153
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
LIFE had 1,737,234 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for LIFE because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 1,737,234
- Prior settlement (shares) 1,888,082
- Reported change -7.99%
- Days to cover (reported) 3.22
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Policygenius
- SelectQuote
- GoHealth (GOCO)
- Haven Life
- Bestow
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Ethos Technologies Inc. (LIFE) do?
Ethos Technologies operates a digital platform that facilitates the sale of insurance products, primarily life insurance, by connecting consumers and independent insurance agencies with licensed insurance carriers. The company generates revenue primarily through commissions paid by carriers based on the premiums of activated policies sold through its platform.
What sector is Ethos Technologies Inc. (LIFE) in?
Ethos Technologies Inc. (LIFE) is classified in the Financials sector. Its industry is Insurance Technology (InsurTech). It trades on NASDAQ.
Who are Ethos Technologies Inc.'s (LIFE) competitors?
Notable peers of Ethos Technologies Inc. (LIFE) include Policygenius, SelectQuote, GoHealth, Haven Life and Bestow. This peer set is informational only — not financial advice.
Is Ethos Technologies Inc. (LIFE) overbought or oversold right now?
Ethos Technologies Inc. (LIFE) is currently in overbought territory (its 14-day RSI is 81, above 70) (as of 2026-08-26). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on LIFE come from?
Fundamentals and prices come from market data, as of 2026-08-26; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-26. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-26.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.