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$44.22 as of 2026-10-21 close
- Market cap$2.8B as of 2026-07-27 (share count; price 2026-10-21)
- P/En/a negative earnings
- Net margin+18.4% FY2025, SEC XBRL
- ROICn/a No figure: its filing tags none of the debt lines we read, which is not evidence of zero debt.
- Debt / equityn/a No figure: its filing tags none of the debt lines we read, which is not evidence of zero debt.
- Revenue growth (YoY)+52.0% FY2025, SEC XBRL
- Beta1.81 as of 2026-09-03
- Last reported earnings2026-08-03 SEC EDGAR Form 8-K (Item 2.02)
How LIFE compares in its sector
- net profit marginmiddle range 343 covered Financials peers, as of 2026-09-03
- operating marginmiddle range 121 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 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.
Top 10 score
74.1 #14 of 1,265 scored · #10 of 174 in Financials
Valuation 100th (price to book 0.3) and growth 94th (revenue growth year over year 52.1%); weakest is capital return (22nd, consecutive years of dividend increases 0 years, net share count bought back over the year -1.4).
Scores as of 21 Oct 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 4.
Quarterly results
| Quarter | Revenue | Operating income | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | $190M | $18M | $20M | $0.30 | $36M† | $325000† |
| Q1 FY2026 2026-03-31 | $193M | -$163M | -$166M | -$3.57 | $31M | $353000 |
| Q2 FY2025 2025-06-30 | $89M | $19M | $18M | $0.31 | $13M† | $300000† |
| Q1 FY2025 2025-03-31 | $95M | $13M | $12M | $0.21 | $11M | $278000 |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$112M
- Short-term investments$56M
- Total debtnot shown the filing tags none of the debt lines we read — not evidence of zero debt
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How Ethos Technologies Inc. looks technically
Ethos Technologies Inc. (LIFE): a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend). Momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 71, in overbought territory (above 70). MACD, a trend-momentum gauge, turned bullish about 8 trading days ago (its momentum flipped positive). It just made a new 20-day high, pushing above its recent trading range.
Trend
7
| Distance from the 200-day | not current — this company's price series (ends 2026-08-10) is 50 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 $36.84 | $36.84 |
| 200-day moving average | not current — this company's price series (ends 2026-08-10) is 50 trading sessions behind the rest of the catalog | n/a |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 20 calendar days ago — the swings before that are what the structure reading is measured on | 20 sessions |
| Since the 50/200 cross | not current — this company's price series (ends 2026-08-10) is 50 trading sessions behind the rest of the catalog | n/a |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend) | 21.9 |
Momentum
3
| 14-day RSI | momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 71, in overbought territory (above 70) | 70.9 |
|---|---|---|
| Position in its 14-day range | it is trading right at the top of its 14-day range ($31.94 to $44.83) — its "stochastic" reading is 95 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 climbing within that range over the last few sessions. | 95.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 8 trading days ago (its momentum flipped positive) | 8 sessions |
Range
7
| 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 $44.83 (set on 2026-10-21) | $44.83 |
| Given back of the 52-week move | not available for this company yet | n/a |
| 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 367.9% above its all-time low | +367.9% |
Volatility
4
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 37th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $2.59 between its high and its low — about 5.9% 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 | $2.59 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $31.01 and $42.36 — 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 | $31.01 – $36.68 – $42.36 |
| Typical daily range (% of price) | its price moves about 5.9% in a typical session — about typical for the 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 | 5.8% |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.45× |
|---|
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 | 4 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 | 4 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-10-21 1.0% above 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 | +1.0% |
|---|---|---|
| Open gap | it gapped 19.7% above the previous close 55 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 2.0% gap down opened on 2026-10-01 has been "filled" 14 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 14 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 3 sessions in a row, a +17.86% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 3 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 21.2 percentage points (the stock gained 21.2% while the market lost 0.1%) | +21.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 131.5 percentage points (the stock gained 134.8% while the market gained 3.3%) | +131.5% |
| vs market, 6 months | over the past 6 months this stock beat the market by 160.5 percentage points (the stock gained 170.3% while the market gained 9.8%) | +160.5% |
| vs market, 12 months | not available for this company yet | n/a |
Signal agreement
2
| Bullish technical signals | 4 of the 7 technical signals we can compute for it are currently in a bullish state: 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 | 4 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 17% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-15 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 17.4% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | +17.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 60% above the average price paid since 2026-01-29, so the typical buyer over that stretch is showing a gain. That average is $27.63 — a volume-weighted average of daily closes over 174 sessions, not a true tick-by-tick VWAP. | +60.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is 25% 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 $35.28 — a volume-weighted average of daily closes over 57 sessions, not a true tick-by-tick VWAP. | +25.4% |
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-21.
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: Trading above the 50-day moving average · Overbought (14-day RSI above 70) · Broke out to a new 20-day high · Analyst price target recently RAISED · At the top of its 14-day range (stochastic above 80) · Trading above the Ichimoku cloud | Learn: adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.44 mean, 1=Strong Buy…5=Strong Sell) — 8 analysts
- Mean price target$37.50 range $32.00 – $43.00
Analyst estimates, as of 2026-10-17. 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 2026-10-17
- Estimate change, 30 days$0.00 (0.0%) from $0.3531, on 2026-09-12, 35-day window
- Readings revised upward0% of 7 comparable readings
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 60 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 6 days since 2026-10-16 have not been checked yet.
- Last 30 days · read to 2026-10-160 buys · 10 sells ($9M) — 2 selling insiders
- Last 90 days · read to 2026-10-160 buys · 60 sells ($45M) — 7 selling insiders
- Last 180 days · read to 2026-10-160 buys · 81 sells ($58M) — 7 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-10-16. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
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)
4 institutional 13F filers reported holding LIFE as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 566,400
- Reported value $10,274,499
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 2 increased, 2 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
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.
Ask about LIFE's institutional holders → See what each manager we track holds →
Short interest (FINRA)
LIFE had 3,710,794 shares of reported short interest as of the 2026-09-30 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) 3,710,794
- Prior settlement (shares) 1,819,799
- Reported change 103.91%
- Days to cover (reported) 2.03
Reported to FINRA as of the 2026-09-30 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 71, above 70) (as of 2026-10-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on LIFE come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.