Ethos Technologies Past Earnings Performance
Past criteria checks 0/6
Ethos Technologies's earnings have been declining at an average annual rate of -318.7%, while the Insurance industry saw earnings growing at 14.6% annually. Revenues have been growing at an average rate of 67.2% per year.
Key information
-318.69%
Earnings growth rate
-243.74%
EPS growth rate
| Insurance Industry Growth | 8.02% |
| Revenue growth rate | 67.22% |
| Return on equity | -24.36% |
| Net Margin | -23.29% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance updates
Recent updates
Ethos Technologies Inc.: Cheap Growth Story With Something Still To Prove
Summary Ethos Technologies Inc. trades at a 22% discount to IPO, reflecting market concerns over growth sustainability and revenue concentration. LIFE posted 52% revenue growth and an 18% net margin in 2025 but forecasts a slowdown to 32% growth in 2026 with rising client acquisition costs. Valuation is conservative at a 12x P/E, well below insurtech peers, due to high dependence on three insurance partners generating 88% of 2025 revenues. If LIFE achieves 2026 EBITDA targets, diversifies partners, and sustains margins, the stock could be undervalued at current levels. Read the full article on Seeking Alpha
Digital Life Insurance Platform Will Benefit From Growing AI Adoption And Online Distribution Shift
Catalysts About Ethos Technologies Ethos Technologies operates a vertically integrated, fully digital life insurance platform that serves consumers, agents and carriers. What are the underlying business or industry changes driving this perspective?
Digital Adoption And Carrier Dependence Will Pressure Margins Yet Support Gradual Long Term Upside
Catalysts About Ethos Technologies Ethos Technologies operates a vertically integrated, fully digital life insurance platform serving consumers, agents and carrier partners. What are the underlying business or industry changes driving this perspective?
AI Underwriting And Agent Platform Will Drive Long Term Insurance Platform Leadership
Catalysts About Ethos Technologies Ethos Technologies operates a fully digital, vertically integrated life insurance platform serving consumers, agents and carrier partners. What are the underlying business or industry changes driving this perspective?Revenue & Expenses Breakdown
How Ethos Technologies makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 486 | -113 | 524 | 51 |
| 31 Dec 25 | 388 | 71 | 269 | 34 |
| 30 Sep 25 | 344 | 56 | 240 | 31 |
| 30 Jun 25 | 320 | 61 | 214 | 29 |
| 31 Mar 25 | 291 | 52 | 197 | 27 |
| 31 Dec 24 | 255 | 49 | 171 | 23 |
| 31 Dec 23 | 160 | 2 | 129 | 22 |
Quality Earnings: LIFE is currently unprofitable.
Growing Profit Margin: LIFE is currently unprofitable.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if LIFE's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare LIFE's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: LIFE is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (36.5%).
Return on Equity
High ROE: LIFE has a negative Return on Equity (-24.36%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/15 12:56 |
| End of Day Share Price | 2026/06/15 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Ethos Technologies Inc. is covered by 9 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Colin Sebastian | Baird |
| Ross Sandler | Barclays |
| Michael McGovern | BofA Global Research |