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Ethos Technologies Inc. (LIFE) stock

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NASDAQ: LIFE Nasdaq Insurance Brokers Next results ~February 1, 2027

Ethos Technologies Inc. is a US-listed company in the insurance brokers industry. Its financial year ends in December.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders3 buying, 8 selling3 purchases and 69 sales by directors and officers, last 12 monthsInsider trades
  • Funds36 adding, 41 cuttingOf 21 active managers that changed their stake, 8 added; quarter to June 30, 2026Fund buyers and sellers

The Fundamentalytics view

Next results ~February 1, 2027 (estimated)

Current signal Results well ahead of expectations: Reported earnings per share beat the analysts' consensus estimate by 39% in the quarter to 2026-09-30, the 3rd beat in the last four quarters.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Estimates rising. Analysts' consensus for next year's earnings per share has risen 36.1% over 90 days.

Things to watch

  • Volatile shares. Over the past year the shares showed annualised volatility of 89% and a beta of 1.8 against the S&P 500.
  • Heavily shorted. 12.2% of the shares available to trade are sold short (2.4 days of average volume to cover).

Latest results: FY2026 Q2

Filed August 5, 2026
Earnings per share
$0.49 against an average estimate of $0.35: beat by 38.8%
Revenue
$190m, up 113.4% on a year earlier
Share reaction
+35.4% in the first session after the results on August 3, 2026, against +3.3% for the S&P 500
Guidance given
total Revenue $160m to $164m (third quarter of 2026); adjusted EBITDA $23m to $25m (third quarter of 2026)
Next report
November 2, 2026; average EPS estimate $0.42

Ethos Technologies' figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day-1.8%
  • 1 week+0.8%
  • 1 month+24.9%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Earnings

Last results
November 2, 2026
Next results (est.)
February 1, 2027

News & updates

Updated November 2, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Insider trade
  3. Insider trade
  4. Insider trade
  5. Insider trade
  6. Announcement
  7. Insider trade
  8. Announcement
  9. Results
  10. Guidance

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Ethos Technologies Inc. valuation models and calculator

No model value for Ethos Technologies Inc. at the moment. Current status: limited reported history: available models are shown without a Buy/Hold/Sell rating. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: limited reported history: available models are shown without a Buy/Hold/Sell rating.

Valuation models

We value Ethos Technologies Inc. as an asset manager, broker or exchange, with every model that fits that kind of business. Cost of equity 7.4%: the 10-year Treasury yield (4.9%) plus a beta of 0.56 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. — Does not apply: no positive consensus earnings for next year
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. — Does not apply: no twelve-month earnings or share count in the filings yet
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: no twelve-month earnings or share count in the filings yet
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. — Does not apply: no twelve-month earnings or share count in the filings yet
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: no twelve-month earnings or share count in the filings yet
Combined value Weighted average of the models that apply: the primary model (forward price-to-earnings vs peers) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. — No model applies: the filings don’t yet support a value.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Ethos Technologies Inc. with insurance brokers in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: High.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $1.75 +25% $779m +101%
Next $2.63 +50% $1.0bn +34%

Next year's EPS estimate has moved +36.1% in 90 days, across 4 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +16.1% on 90 days ago. In the last 30 days, 3 analysts raised Ethos Technologies Inc.'s forecast and 0 cut it.

Consensus EPS forecast Ethos Technologies Inc., last 90 days
$1.00 $1.50 $2.00 $2.50 $3.00 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $1.51 Current fiscal year, 60 days ago: $1.35 Current fiscal year, 30 days ago: $1.35 Current fiscal year, 7 days ago: $1.34 Current fiscal year, Now: $1.75 $1.75 Next fiscal year, 90 days ago: $1.93 Next fiscal year, 60 days ago: $1.93 Next fiscal year, 30 days ago: $1.93 Next fiscal year, 7 days ago: $1.93 Next fiscal year, Now: $2.63 $2.63

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $1.51$1.93
60 days ago $1.35$1.93
30 days ago $1.35$1.93
7 days ago $1.34$1.93
Now $1.75$2.63

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $0.35 $0.49 +38.8%
Jun 2026 $0.28 $0.53 +88.3%
Mar 2026 $0.47 $0.38 −18.5%
Dec 2025 $0.40 $0.42 +4.7%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, August 3, 2026
  • Total Revenue full fiscal year 2026 $727m to $731m
    “Total Revenue: Between $727 million and $731 million, representing an 88% increase year-over-year at the midpoint” source
  • Total Revenue third quarter of 2026 $160m to $164m
    “Total Revenue: Between $160 million and $164 million , representing a 73% increase year-over-year at the midpoint” source
  • Adjusted EBITDA full fiscal year 2026 $119m to $123m Non-GAAP
    “Adjusted EBITDA: Between $119 million and $123 million” source
  • Adjusted EBITDA third quarter of 2026 $23m to $25m Non-GAAP
    “Adjusted EBITDA: Between $23 million and $25 million” source

Figures and quotations are management's, copied from the company's own press release (SEC 8-K exhibit) and checked word for word against it. Forward-looking statements are the company's expectations, not ours and not advice; guidance can change or be missed.

Analyst recommendations

9 analysts, Nov 2026
Buy889%
Hold111%
Sell00%

Monthly trend

  1. Nov 20262619
  2. Oct 20262619
  3. Sep 2026369
  4. Aug 2026369

Counts of recommendations published by analysts covering Ethos Technologies Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
12.2%
of tradable shares
Days to cover
2.43
at average volume
Short interest, 1 month
+126%
to October 15, 2026
Held by institutions
50%
of shares
Held by insiders
8.5%
of shares
Employees
614
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Price behaviour

52-week range
Not enough history
From 52-week high
—
vs 50-day average
+11.3%
vs 200-day average
—
Volatility (1 year)
89%
Beta vs S&P 500
1.77

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
3 up, 0 down
typical move ±29.3%
After a week
3 up, 0 down
typical move ±31.0%
After a month
1 up, 2 down
typical move ±34.4%
Results releasedNext dayS&P 500 next day5 days21 days
August 3, 2026 +35.4% +3.3% +58.8% +71.4%
May 6, 2026 +45.3% +1.1% +16.1% −20.1%
February 25, 2026 +7.3% +0.3% +18.1% −11.7%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Fundamentals

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2024 Dec 2024 2025 Dec 2025
Income
Revenue 255 388
Gross profit 248 381
EBITDA 54 78
Operating income 49 73
Net income 49 71
Diluted EPS $0.85 $1.22
Growth (year on year)
Revenue — +52.0%
EBITDA — +44.5%
Operating income — +49.6%
Net income — +45.7%
Diluted EPS — +43.5%
Margins
Gross margin 97.4% 98.3%
EBITDA margin 21.3% 20.2%
Operating margin 19.1% 18.8%
Net margin 19.2% 18.4%
Free-cash-flow margin −4.6% 9.0%
Cash flow
Cash from operations −11 36
Capital spending 1 1
Free cash flow −12 35
Stock-based pay 3 11
Free cash flow after stock pay −15 24
Balance sheet
Cash 35 91
Total debt 0 0
Net debt (negative = net cash) −35 −91
Diluted shares 58m 58m
Returned to shareholders
Dividends — 0
Total returned — 0

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Who owns it

Funds buying and selling
Reported value
$320M
Institutions reporting
72
Shares held vs prior quarter
▼ 5.8%
Positions opened / closed
24 / 21

Top buyers and sellers, Q2 2026: 36 institutions bought and 41 sold ; the biggest buyer was Divisadero Street Capital Management, LP (+1.6M shares) and the biggest seller Granahan Investment Management, LLC (−581K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Alphabet Inc. $65.7M 3.6M 20.5% ▼ 3.9%
Softbank Group Corp. $56.8M 3.1M 17.7% 0.0%
Divisadero Street Capital Management, LP $29.7M 1.6M 9.3% New
T. Rowe Price Investment Management, Inc. $28.7M 1.6M 9.0% ▼ 0.3%
Capital World Investors $23.9M 1.3M 7.5% 0.0%
Glade Brook Capital Partners LLC $15.6M 858K 4.9% ▼ 25.0%
Vanguard Capital Management LLC $8.8M 488K 2.8% ▲ 0.3%
UBS Group AG $7.6M 417K 2.4% ▼ 10.0%
Cannell Capital LLC $7.4M 408K 2.3% ▼ 9.7%
Healthcare Of Ontario Pension Plan Trust Fund $6.3M 350K 2.0% ▼ 50.0%
Renaissance Technologies LLC $6.2M 343K 1.9% ▲ 328.1%
Manufacturers Life Insurance Company, The $6.2M 341K 1.9% ▲ 0.2%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Ethos Technologies Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $10M 3 trades by 3 insiders, last 12 months Insider sales History → $49.4M 69 trades by 8 insiders · 53% under pre-set plans
Net ▼ $39.4M net selling
Insider Date Trade Shares Price Value
Colis Peter George CEO and Secretary October 16, 2026 Sell pre-set plan 5,532 $38.32 $211,986
Colis Peter George CEO and Secretary October 16, 2026 Sell pre-set plan 34,468 $37.68 $1.3M
Colis Peter George CEO and Secretary October 15, 2026 Sell pre-set plan 400 $39.12 $15,648
Colis Peter George CEO and Secretary October 15, 2026 Sell pre-set plan 31,435 $38.52 $1.2M
Colis Peter George CEO and Secretary October 15, 2026 Sell pre-set plan 8,165 $37.64 $307,331
Wang Lingke President October 15, 2026 Sell pre-set plan 800 $39.14 $31,312
Wang Lingke President October 15, 2026 Sell pre-set plan 94,864 $38.52 $3.7M
Wang Lingke President October 15, 2026 Sell pre-set plan 22,669 $37.64 $853,261
Colis Peter George CEO and Secretary October 14, 2026 Sell pre-set plan 8,100 $39.58 $320,598
Colis Peter George CEO and Secretary October 14, 2026 Sell pre-set plan 31,900 $38.94 $1.2M
Colis Peter George CEO and Secretary September 18, 2026 Sell pre-set plan 7,190 $35.98 $258,696
Colis Peter George CEO and Secretary September 18, 2026 Sell pre-set plan 9,648 $37.05 $357,458

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around February 1, 2027 estimated from the company's past filing pattern, not announced

  • November 2, 2026
  • August 3, 2026
  • May 6, 2026
  • February 25, 2026

Recent SEC filings

Data status

When each part of this page on Ethos Technologies Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Ethos Technologies Inc. in brief

What does Ethos Technologies Inc. do?
Ethos Technologies Inc. is a US-listed company in the insurance brokers industry. Its financial year ends in December.
What is Ethos Technologies Inc.'s stock ticker?
Ethos Technologies Inc. trades under the ticker LIFE on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
Who are Ethos Technologies Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Alphabet Inc., Softbank Group Corp. and Divisadero Street Capital Management, LP. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Are insiders buying or selling Ethos Technologies Inc. stock?
Over the last 12 months, Ethos Technologies Inc.'s directors and officers reported 3 open-market purchases and 69 sales on Form 4. The insider trading page charts every trade.
When is Ethos Technologies Inc.'s next earnings date?
Around February 1, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Ethos Technologies Inc. announces its own schedule.