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Ethos Technologies Inc. (LIFE)

Nasdaq: LIFE · Insurance Agents, Brokers & Service · Austin, TX · filing with the SEC since 2019
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Grade6.3
◀ Past 6.0● Present 6.9▶ Future 5.7
4 est.
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The grade of Ethos Technologies Inc.

Nine metrics read from its own filings, by tense
Headline grade
6.3/10
◀ Past6.025% of the headline
● Present6.945% of the headline
▶ Future5.730% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 5 read as filed from the record and 4 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.0/1025% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
7.3/10

Has it survived what it has been through?

No warning events in its filings since 2019.

weight 45% of this tense · 73rd percentile among 30 sector filers · read for itself

From the record

Ethos Technologies Inc.'s filings since 2019 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

SI estimate
5.2/10

What has it actually done, year after year?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 29 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate
Fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 29 members with one.
What the record cannot read
Fewer than three filed years of revenue on file.
How it was reasoned
family median, 29 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Ethos Technologies Inc.'s track record is put at 5.2 of 10 with a confidence of 20 of 100, because fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 29 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Shareholder treatment

as filed
4.3/10

How has it treated the people who own it?

Share count grew 1.4% a year. 0% of cash flow returned. Insiders: 53 sales, 3 purchases.

weight 22% of this tense · 43rd percentile among 20 sector filers · read for its shareholders

From the record

Over the fiscal year to 2025-12-31, Ethos Technologies Inc.'s diluted share count grew about 1.4% a year, and dividends and buybacks returned about 0% of its operating cash flow over 2 years (its filed statements). Its officers and directors filed 53 sales (36 under scheduled 10b5-1 plans) and 3 purchases of their own stock on the open market in the year to 2026-10-16, buying about $10 million (their Form 4 filings).

What it rests on

  • the share count over the yearstop 35% of its family
  • cash returned against operating cash flowbottom 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.9/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
5.2/10

Is it financially healthy right now?

Leverage 105%: owes 105¢ per asset dollar.

weight 33% of this tense · 52nd percentile among 30 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Ethos Technologies Inc.'s shareholders' equity was below zero, so the profit on it is not read, and gross profitability: its products earned about 74 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 105 cents per dollar of assets, and net share issuance: its share count grew 1.4% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 15% of its family
  • gross profit against assetstop 19% of its family
  • the share count against the year beforetop 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.8/10

How strong is its position in its industry?

top 32% of 30 in its family; net margin 18.4%.

weight 45% of this tense · 68th percentile among 30 sector filers · read for its customers

From the record

Ethos Technologies Inc.'s standing among 30 graded names in its industry family: revenue of $388 million in fiscal 2025 ranks in the bottom 27% by size; a net margin of 18.4% ranks in the top 15%; revenue growth of 52.1% a year over the last 1 filed years ranks in the top 8% (its annual reports).

What it rests on

  • revenue against the family$388Mbottom 27% of its family
  • net margin18.4%top 15% of its family
  • three-year revenue growth52.1%top 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
9.8/10

What are the people in charge doing?

SI estimate 9.8/10, confidence 35 of 100 (one part).

weight 22% of this tense · 98th percentile among 25 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 2% of 25 in its family; the record of its people begins on 2026-01-28 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 9 months and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read
The record of its people begins on 2026-01-28 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 9 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 25 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Ethos Technologies Inc.'s leadership is put at 9.8 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 2% of 25 in its family; the record of its people begins on 2026-01-28 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 9 months and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.7/1030% of the headline grade · 1 of 3 filed, 2 estimated

Room to expand

as filed
7.1/10

How much room does it have to grow?

top 29% of 29 in its family for room to expand.

weight 33% of this tense · 71st percentile among 29 sector filers · read for itself

From the record

Ethos Technologies Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $91 million against no long-term debt tagged leaves 17.7% of its assets as net cash, top 29% of its family; cash from operations less capital spending is 9% of revenue (bottom 45%); a gross margin of 98.3% (top 4%) (its annual report).

What it rests on

  • cash less debt against assets17.7%top 29% of its family
  • cash from operations less capital spending against revenue9.0%bottom 45% of its family
  • gross margin98.3%top 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

SI estimate
4.8/10

What could actually drive growth from here?

SI estimate 4.8/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 29 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 29 members with one.
What the record cannot read
The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending.
How it was reasoned
family median, 29 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Ethos Technologies Inc.'s growth drivers is put at 4.8 of 10 with a confidence of 20 of 100, because the record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 29 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Expectations vs reality

SI estimate
5.2/10

Did its newest year beat what its own record pointed to?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 25 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 25 members with one.
What the record cannot read
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned
family median, 25 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Ethos Technologies Inc.'s expectations vs reality is put at 5.2 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 25 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton LIFE · research, not advice