Ethos Technologies Inc.
LIFE Nasdaq Insurance Agents, Brokers & Service Financials FY2024–FY2025
Last close · Oct 23, 2026
$43.10
1.0%What Ethos Technologies Inc. does
No business description yet.
- Legal name
- Ethos Technologies Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 17, 2026
- Accession · CIK
- 0001193125-26-108887
0001788451
Revenue and margins
Ethos Technologies Inc. had $388M of revenue in fiscal 2025, up 52.0% on the year before.
Net income and earnings per share
From fiscal 2024 to 2025, diluted EPS grew 43.5% a year. Loss periods are shown in red.
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Cash flow
Free cash flow was $34.7M in fiscal 2025, 9.0% of revenue. Cash from operations minus capital spending.
Dividends, buybacks and share count
Ethos Technologies Inc. returned $0.0M to shareholders in fiscal 2025, 0% of free cash flow. The diluted share count rose 1.4%.
Balance sheet
Cash, debt and the ratios that show how comfortably Ethos Technologies Inc. can carry it.
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Cash and short-term investments | $103M | $126M |
| Current ratio | 2.6x | 2.2x |
| Quick ratio | 2.6x | 2.2x |
| Total assets | $396M | $515M |
| Total liabilities | $99.0M | $135M |
| Shareholders' equity | −$107M | −$24.1M |
| Net debt (− = net cash) | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.
| Test | FY24 | FY25 |
|---|---|---|
| Net income is positive | ✓ | ✓ |
| Cash from operations is positive | ✕ | ✓ |
| Return on assets rose | — | ✓ |
| Cash from operations exceeds net income | ✕ | ✕ |
| Debt fell relative to assets | — | — |
| Current ratio rose | — | ✕ |
| Share count didn't rise | — | ✕ |
| Gross margin rose | — | ✓ |
| Revenue rose relative to assets | — | ✓ |
| F-score | — / 3 | 5 / 8 |
| Accruals ratio | 15.1% | 7.7% |
| Altman Z'' | 0.04 | 1.80 |
2 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Income statement | ||
| Revenue | $255M | $388M |
| Gross profit | $248M | $381M |
| Operating income | $48.7M | $72.9M |
| Pretax income | $53.9M | $75.7M |
| Income tax | $5.1M | $4.6M |
| Net income | $48.8M | $71.2M |
| Diluted EPS | $0.85 | $1.22 |
| Diluted shares | 0.06B | 0.06B |
| Cash flow | ||
| Cash from operations | −$10.9M | $36.2M |
| Capital expenditure | $0.8M | $1.5M |
| Free cash flow | −$11.7M | $34.7M |
| Depreciation and amortization | $5.4M | $5.4M |
| Stock-based compensation | $3.2M | $10.6M |
| Dividends paid | — | $0.0M |
| Dividends and buybacks | — | $0.0M |
| Balance sheet | ||
| Cash and short-term investments | $103M | $126M |
| Current assets | $175M | $246M |
| Current liabilities | $67.6M | $113M |
| Property and equipment, net | $7.4M | $8.2M |
| Goodwill | $2.2M | $2.2M |
| Intangible assets | $0.2M | $0.7M |
| Total assets | $396M | $515M |
| Total liabilities | $99.0M | $135M |
| Shareholders' equity | −$107M | −$24.1M |
| Margins | ||
| Gross margin | 97.4% | 98.3% |
| Operating margin | 19.1% | 18.8% |
| EBITDA margin | 21.3% | 20.2% |
| Net margin | 19.2% | 18.4% |
| FCF margin | −4.6% | 9.0% |
| Returns | ||
| Return on capital employed | 14.8% | 18.1% |
| Return on assets | 12.3% | 15.6% |
| Growth | ||
| Revenue growth | — | 52.0% |
| Net income growth | — | 45.7% |
| EPS growth | — | 43.5% |
| Share count change | — | 1.4% |
| Financial health | ||
| Current ratio | 2.6x | 2.2x |
| Quick ratio | 2.6x | 2.2x |
| Capital allocation | ||
| Capex / revenue | 0.3% | 0.4% |
| Stock comp / revenue | 1.2% | 2.7% |
| Payouts / FCF | — | 0.0% |
| Quality scores | ||
| Piotroski F-score | — | 5.0 |
| Altman Z'' | 0.0 | 1.8 |
| Accruals ratio | 15.1% | 7.7% |
Source: SEC EDGAR XBRL filings (CIK 0001788451). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.