QualityDipStocks / Finance · Specialty Insurers
Ethos Technologies LIFE
Outside our quality screen, so we don’t track its dips. It’s 4% below its 52-week high.
Outside our quality screen, trading above our fair value estimate.
Repriced or dip?
Near its high
The price is 4% below its 52-week high (Oct 21), but the business held up: shares outstanding unchanged, operating margin 0.0 pts, free cash flow 0.0%.
Some numbers held up (shares outstanding unchanged, operating margin 0.0 pts, free cash flow 0.0%), others slipped. The price is 4% below its 52-week high.
The price is 4% below its 52-week high, and the business changed too.
Within 10% of its 52-week high, so there is no dip to judge yet.
Data-based read, not advice.
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
At the high ($44.22, Oct 21) the price assumed about 19%/yr free-cash-flow growth; at the low ($9.85, Mar 20) about 4%; today about 18%. The last 3 years delivered 52%/yr (revenue).
Dashed line: what the last 3 years delivered, 52%/yr (revenue)
| High | Low | Now | |
|---|---|---|---|
| Price | $44.22Oct 21 | $9.85Mar 20 | $42.62 |
| Implied growth | +19% | +4% | +18% |
| P/E | n/a | 8.1× | n/a |
| P/FCF | 37.5× | 16.6× | 36.1× |
What this means: the higher the implied growth, the more the price already counts on. If today's number sits well below what the business has delivered, the market expects less than its track record.
How it’s computed
Reverse DCF: the same 10-year free-cash-flow model as our fair value estimate (9.5% discount rate, growth for years 1–5 fading to 3% by year 10, 3% after), solved for the growth that makes it equal the market value at each price. For the high and the low we use only the filings that were public on that day, so nothing from a later report leaks back. Market value = that close × diluted shares. P/E = market value / 12-month net income; Price / FCF = market value / 12-month free cash flow; EV / Sales = (market value + debt − cash) / 12-month revenue. Hidden when the share count moved over 20% (split, merger), free cash flow is negative, or the company reports in another currency.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
How the range is computed
Ten-year free-cash-flow DCF. Same 10-year free-cash-flow model as the base: discount rate 9.5% ±1 point and growth 15.0% ±2 points. Bear = 10.5% and 13.0%; bull = 8.5% and 17.0% (both fade to 3%). A model estimate from public filings, not a forecast of where the price will go.
Price sits inside the range.
What the price implies To be worth today’s price, LIFE’s free cash flow would need to grow about 18% a year for five years; our estimate uses 15%.
Valuation details
DCF $36.41 · FCF value $30.44
Assumes 15.0% growth for 5 years (revenue grew 52.0% a year FY24–FY25; capped at 15%), fading to 3%; 9.5% discount rate, 3% terminal growth. FCF base $1.18 a share (trailing 12 months to Jun 30, 2026), from the 10-Q filed Aug 5, 2026.
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 3 of 5
GrowthSales compounded 52% a year from FY2024 to FY2025.
GrowthDiluted EPS grew 44% to $1.22 in FY2025.
ProfitabilityGross margin of 98%, above the 62% median for the 21 Finance companies we cover.
Top bearish points 5 of 5
ValuationOur DCF fair value estimate is $36.41, 15% below the price.
ProfitabilityLost $112M over the last 12 months (net income, SEC filings).
Cash returnsShare count up 11.7% in a year: existing holders are being diluted.
ProfitabilityLoses money at the operating line: −18% operating margin over the last 12 months.
ProfitabilityReturn on equity of −55%, below the 12% median for the 291 Finance companies we cover.
All fundamentals
FCF yield 2.8% · ROE -55%
Valuation
- P/E
- n/aloss over the last 12 months
- Price / FCF
- 36.1×
- FCF yield
- 2.8%
- EV / EBITDA
- n/aD&A or debt not tagged in SEC data
- Price / sales
- 4.77×
- Price / book
- 5.88×
- Market cap
- $2.8Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $587M
- Sales growth, 12 months
- n/ano year-ago 12-month revenue
- Sales growth, 3 yrs
- +52.0%/yrfrom FY2024
- Diluted EPS, 12 months
- −$2.03
- EPS growth, last FY
- +43.5%
- Net income, 12 months
- −$112M
- Net income growth
- n/anot reported in its SEC filings
Profitability
- Gross margin
- 98.1%
- Operating margin
- −17.7%
- Net margin
- −19.1%
- FCF margin
- 13.2%
- Return on equity
- −55%
- Return on invested capital
- n/aoperating income, debt, equity or cash not tagged
Balance sheet
- Cash & short-term inv.
- $168M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/acash or debt not tagged in SEC data
- Debt / equity
- n/adebt or equity not tagged in SEC data
- Interest coverage
- n/ainterest expense not tagged in SEC data
Cash flow & returns
- Free cash flow, 12 months
- $77M
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- n/ano dividend payments tagged
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- +11.7%diluted shares vs a year ago
- Stock-based comp
- $209M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Ethos Technologies’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $0.1B · Sales +113%
- Free cash flow, 12 months$0.1B
- Free-cash-flow yield2.8%
- Gross margin98%
- Operating margin10%
- Return on invested capital30%
- Return on equity−26%
- Sales growth (latest quarter vs year-ago quarter)+113%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $42.62
- 52-wk lowlowest close, 1 year$9.85−76.9%
- Fair value est.base case$36.41−14.6%
- PriceMon Nov 2 close$42.62you are here
- 52-wk highhighest close, 1 year$44.22+3.8%
Momentum & 52-week range
5 days +0.8%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
LIFE is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Ethos Technologies in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Specialty Insurers
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.