ETHOS TECHNOLOGIES INC CL-A (LIFE) Fundamental Analysis & Valuation

NASDAQ:LIFE • US29765A1016

Current stock price

10.13 USD
+0.03 (+0.3%)
At close:
10.7829 USD
+0.65 (+6.45%)
After Hours:

This LIFE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. LIFE Profitability Analysis

1.1 Basic Checks

  • In the past year LIFE has reported negative net income.
  • In the past year LIFE had a positive cash flow from operations.
  • In multiple years LIFE reported negative net income over the last 5 years.
  • In the past 5 years LIFE reported 4 times negative operating cash flow.
LIFE Yearly Net Income VS EBIT VS OCF VS FCFLIFE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M -40M 60M

1.2 Ratios

  • The Return On Assets of LIFE (13.79%) is better than 96.62% of its industry peers.
  • With a decent Return On Equity value of 18.68%, LIFE is doing good in the industry, outperforming 70.27% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 14.35%, LIFE belongs to the best of the industry, outperforming 95.95% of the companies in the same industry.
Industry RankSector Rank
ROA 13.79%
ROE 18.68%
ROIC 14.35%
ROA(3y)-5.2%
ROA(5y)-18.43%
ROE(3y)-6.8%
ROE(5y)-22.95%
ROIC(3y)N/A
ROIC(5y)N/A
LIFE Yearly ROA, ROE, ROICLIFE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -20 -40 -60 -80 -100

1.3 Margins

  • LIFE's Profit Margin of 18.30% is fine compared to the rest of the industry. LIFE outperforms 79.73% of its industry peers.
  • With a decent Operating Margin value of 18.81%, LIFE is doing good in the industry, outperforming 70.95% of the companies in the same industry.
  • With an excellent Gross Margin value of 98.26%, LIFE belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
OM 18.81%
PM (TTM) 18.3%
GM 98.26%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
LIFE Yearly Profit, Operating, Gross MarginsLIFE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -5K -10K -15K

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8

2. LIFE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), LIFE is creating some value.
  • The number of shares outstanding for LIFE remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, LIFE has more shares outstanding
  • Compared to 1 year ago, LIFE has an improved debt to assets ratio.
LIFE Yearly Shares OutstandingLIFE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
LIFE Yearly Total Debt VS Total AssetsLIFE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • LIFE has an Altman-Z score of 4.07. This indicates that LIFE is financially healthy and has little risk of bankruptcy at the moment.
  • With an excellent Altman-Z score value of 4.07, LIFE belongs to the best of the industry, outperforming 97.30% of the companies in the same industry.
  • LIFE has a debt to FCF ratio of 0.81. This is a very positive value and a sign of high solvency as it would only need 0.81 years to pay back of all of its debts.
  • LIFE has a Debt to FCF ratio of 0.81. This is in the better half of the industry: LIFE outperforms 66.89% of its industry peers.
  • LIFE has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.03, LIFE belongs to the top of the industry, outperforming 83.78% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.81
Altman-Z 4.07
ROIC/WACC1.62
WACC8.86%
LIFE Yearly LT Debt VS Equity VS FCFLIFE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 2.18 indicates that LIFE has no problem at all paying its short term obligations.
  • LIFE's Current ratio of 2.18 is amongst the best of the industry. LIFE outperforms 89.86% of its industry peers.
  • A Quick Ratio of 2.18 indicates that LIFE has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.18, LIFE belongs to the top of the industry, outperforming 89.86% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.18
Quick Ratio 2.18
LIFE Yearly Current Assets VS Current LiabilitesLIFE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. LIFE Growth Analysis

3.1 Past

  • LIFE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.00%, which is quite impressive.
  • LIFE shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -96.60%.
  • Measured over the past years, LIFE shows a very negative growth in Revenue. The Revenue has been decreasing by -67.68% on average per year.
EPS 1Y (TTM)40%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%160%
Revenue 1Y (TTM)-96.6%
Revenue growth 3Y-67.68%
Revenue growth 5YN/A
Sales Q2Q%64.29%

3.2 Future

  • LIFE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.04% yearly.
  • Based on estimates for the next years, LIFE will show a very strong growth in Revenue. The Revenue will grow by 347.61% on average per year.
EPS Next Y2.52%
EPS Next 2Y85.55%
EPS Next 3Y22.45%
EPS Next 5Y35.04%
Revenue Next Year-19.38%
Revenue Next 2Y2959.01%
Revenue Next 3Y976%
Revenue Next 5Y347.61%

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
LIFE Yearly Revenue VS EstimatesLIFE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 200M 400M 600M 800M
LIFE Yearly EPS VS EstimatesLIFE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 0 -50 -100 -150

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3

4. LIFE Valuation Analysis

4.1 Price/Earnings Ratio

  • LIFE reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • With a Price/Forward Earnings ratio of 7.31, the valuation of LIFE can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, LIFE is valued a bit cheaper than 72.97% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of LIFE to the average of the S&P500 Index (22.19), we can say LIFE is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 7.31
LIFE Price Earnings VS Forward Price EarningsLIFE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

  • LIFE's Enterprise Value to EBITDA is on the same level as the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of LIFE indicates a slightly more expensive valuation: LIFE is more expensive than 72.30% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.32
EV/EBITDA 8.41
LIFE Per share dataLIFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates LIFE does not grow enough to justify the current Price/Earnings ratio.
  • LIFE's earnings are expected to grow with 22.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y85.55%
EPS Next 3Y22.45%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. LIFE Dividend Analysis

5.1 Amount

  • LIFE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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LIFE Fundamentals: All Metrics, Ratios and Statistics

ETHOS TECHNOLOGIES INC CL-A

NASDAQ:LIFE (3/27/2026, 8:00:03 PM)

After market: 10.7829 +0.65 (+6.45%)

10.13

+0.03 (+0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)N/A
Inst Owners36%
Inst Owner Change-11.53%
Ins Owners12.22%
Ins Owner Change-98.56%
Market Cap633.73M
Revenue(TTM)388.00M
Net Income(TTM)71.00M
Analysts86.15
Price Target21.57 (112.93%)
Short Float %1.65%
Short Ratio1.32
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.82%
Min Revenue beat(2)-1.75%
Max Revenue beat(2)0.1%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-14.05%
PT rev (3m)-14.05%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1335.2%
EPS NY rev (3m)-1335.2%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)460.24%
Revenue NY rev (3m)460.24%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 7.31
P/S 1.63
P/FCF 21.32
P/OCF 17.6
P/B 1.67
P/tB 1.68
EV/EBITDA 8.41
EPS(TTM)-0.96
EYN/A
EPS(NY)1.39
Fwd EY13.67%
FCF(TTM)0.48
FCFY4.69%
OCF(TTM)0.58
OCFY5.68%
SpS6.2
BVpS6.07
TBVpS6.03
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 13.79%
ROE 18.68%
ROCE 18.16%
ROIC 14.35%
ROICexc 14.35%
ROICexgc 14.45%
OM 18.81%
PM (TTM) 18.3%
GM 98.26%
FCFM 7.66%
ROA(3y)-5.2%
ROA(5y)-18.43%
ROE(3y)-6.8%
ROE(5y)-22.95%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.75
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.81
Debt/EBITDA 0.17
Cap/Depr 117.16%
Cap/Sales 1.62%
Interest Coverage 250
Cash Conversion 45.94%
Profit Quality 41.86%
Current Ratio 2.18
Quick Ratio 2.18
Altman-Z 4.07
F-Score6
WACC8.86%
ROIC/WACC1.62
Cap/Depr(3y)304.45%
Cap/Depr(5y)332.22%
Cap/Sales(3y)399.16%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)40%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%160%
EPS Next Y2.52%
EPS Next 2Y85.55%
EPS Next 3Y22.45%
EPS Next 5Y35.04%
Revenue 1Y (TTM)-96.6%
Revenue growth 3Y-67.68%
Revenue growth 5YN/A
Sales Q2Q%64.29%
Revenue Next Year-19.38%
Revenue Next 2Y2959.01%
Revenue Next 3Y976%
Revenue Next 5Y347.61%
EBIT growth 1Y48.98%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year274.14%
EBIT Next 3Y70.44%
EBIT Next 5Y46.5%
FCF growth 1Y290.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y427.27%
OCF growth 3YN/A
OCF growth 5YN/A

ETHOS TECHNOLOGIES INC CL-A / LIFE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ETHOS TECHNOLOGIES INC CL-A (LIFE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to LIFE.


Can you provide the valuation status for ETHOS TECHNOLOGIES INC CL-A?

ChartMill assigns a valuation rating of 3 / 10 to ETHOS TECHNOLOGIES INC CL-A (LIFE). This can be considered as Overvalued.


What is the profitability of LIFE stock?

ETHOS TECHNOLOGIES INC CL-A (LIFE) has a profitability rating of 4 / 10.


What is the earnings growth outlook for ETHOS TECHNOLOGIES INC CL-A?

The Earnings per Share (EPS) of ETHOS TECHNOLOGIES INC CL-A (LIFE) is expected to grow by 2.52% in the next year.