Ethos Technologies Inc.
LIFE Nasdaq· Insurance Agents, Brokers & Service
Last close · Oct 23, 2026
$43.10
KIRA · Stoqly’s AI analyst, in plain words
- Ethos Technologies Inc. had $388M of revenue in fiscal 2025, up 52.0% on the year before.
- Its operating margin was 18.8%, down 0.3 pts: of every 100 in sales, about 19 is left after running the business.
- Ethos Technologies Inc. made $71.2M of net profit in fiscal 2025. From fiscal 2024 to 2025, diluted EPS grew 43.5% a year.
- Free cash flow was $34.7M in fiscal 2025, 9.0% of revenue.
- Ethos Technologies Inc. returned $0.0M to shareholders in fiscal 2025, 0% of free cash flow. The diluted share count rose 1.4%.
Market cap
$2.8B
P/E
35.3x
Revenue
$388M
Net income
$71.2M
Free cash flow
$34.7M
Operating margin
18.8%
Ethos Technologies Inc. in 30 seconds · fiscal 2025
Are sales growing?
+52.0%
Yes. Sales grew 52.0% last year.
Does it make a profit?
18.4%
Yes. It keeps 18.4% of every sale as profit.
Does profit turn into cash?
9.0%
Partly. 9.0% of sales ends up as free cash.
How healthy are the accounts?
5 / 8
Mixed. It passes 5 of 8 health tests.
How is the share priced?
35.3x
One share costs 35.3 times its yearly profit per share.
What Ethos Technologies Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 17, 2026
- Legal name
- Ethos Technologies Inc.
- CIK
- 0001788451
Ethos Technologies Inc. · LIFE
Results and finances
The last 2 fiscal years. Amounts in USD.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Sales and profit | ||
| Revenue | $255M | $388M |
| Revenue growth | — | 52.0% |
| Gross margin | 97.4% | 98.3% |
| Operating margin | 19.1% | 18.8% |
| Net income | $48.8M | $71.2M |
| Net margin | 19.2% | 18.4% |
| Diluted EPS | $0.85 | $1.22 |
| Cash | ||
| Cash from operations | −$10.9M | $36.2M |
| Capital expenditure | $0.8M | $1.5M |
| Free cash flow | −$11.7M | $34.7M |
| FCF margin | −4.6% | 9.0% |
| Dividends paid | — | $0.0M |
| Share count change | — | 1.4% |
| Debt and strength | ||
| Cash and short-term investments | $103M | $126M |
| Shareholders' equity | −$107M | −$24.1M |
| Current ratio | 2.6x | 2.2x |
| Returns and quality | ||
| Piotroski F-score | — | 5 |
| Altman Z'' | 0.0 | 1.8 |
Insiders bought, 12 months
$10.0M
3 insiders
Insiders sold, 12 months
$94.9M
12 insiders
Of sales under plans
28%
$26.4M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Ethos Technologies Inc. · LIFE
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $43.10 a share, the company is worth $2.8B: 35.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001788451). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.