Ethos Technologies Corp. Financials
This page shows Ethos Technologies Corp. (LIFE) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Ethos Technologies Corp. has an operating margin of 18.8%, meaning the company retains $19 of operating profit per $100 of revenue. This results in a moderate score of 64/100, indicating healthy but not exceptional operating efficiency. This is down from 19.1% the prior year.
Ethos Technologies Corp.'s revenue surged 52.0% year-over-year to $387.6M, reflecting rapid business expansion. This strong growth earns a score of 100/100.
Ethos Technologies Corp.'s current ratio of 2.17 indicates adequate short-term liquidity, earning a score of 40/100. The company can meet its near-term obligations, though with limited headroom.
Ethos Technologies Corp. has a free cash flow margin of 9.0%, earning a moderate score of 47/100. The company generates positive cash flow after capital investments, but with room for improvement.
Ethos Technologies Corp. scores 2.08, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.
Ethos Technologies Corp. passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Ethos Technologies Corp. generates $0.51 in operating cash flow ($36.2M OCF vs $71.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Ethos Technologies Corp. generated $387.6M in revenue in fiscal year 2025. This represents an increase of 52.0% from the prior year.
Ethos Technologies Corp.'s EBITDA was $78.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 44.5% from the prior year.
Ethos Technologies Corp. reported $71.2M in net income in fiscal year 2025. This represents an increase of 45.7% from the prior year.
Ethos Technologies Corp. earned $1.22 per diluted share (EPS) in fiscal year 2025. This represents an increase of 43.5% from the prior year.
Cash & Balance Sheet
Ethos Technologies Corp. generated $34.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 397.3% from the prior year.
Ethos Technologies Corp. held $91.1M in cash against $0 in long-term debt as of fiscal year 2025.
Ethos Technologies Corp. had 17M shares outstanding in fiscal year 2025. This represents an increase of 3.8% from the prior year.
Margins & Returns
Ethos Technologies Corp.'s gross margin was 98.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 0.8 percentage points from the prior year.
Ethos Technologies Corp.'s operating margin was 18.8% in fiscal year 2025, reflecting core business profitability. This is down 0.3 percentage points from the prior year.
Ethos Technologies Corp.'s net profit margin was 18.4% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.8 percentage points from the prior year.
Capital Allocation
Ethos Technologies Corp. invested $1.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 92.1% from the prior year.
LIFE Income Statement
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Revenue | N/A | N/A |
| Cost of Revenue | N/A | N/A |
| Gross Profit | N/A | N/A |
| R&D Expenses | N/A | N/A |
| SG&A Expenses | N/A | N/A |
| Operating Income | N/A | N/A |
| Interest Expense | N/A | N/A |
| Income Tax | N/A | N/A |
| Net Income | N/A | N/A |
| EPS (Diluted) | N/A | N/A |
LIFE Balance Sheet
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Total Assets | $515.3M+30.2% | $395.9M |
| Current Assets | $245.8M+40.6% | $174.8M |
| Cash & Equivalents | $91.1M+159.7% | $35.1M |
| Inventory | N/A | N/A |
| Accounts Receivable | $36.5M+20.4% | $30.3M |
| Goodwill | $2.2M0.0% | $2.2M |
| Total Liabilities | $539.5M+7.2% | $503.0M |
| Current Liabilities | $113.2M+67.4% | $67.6M |
| Long-Term Debt | N/A | N/A |
| Total Equity | -$24.1M+77.5% | -$107.2M |
| Retained Earnings | -$102.5M+41.0% | -$173.7M |
LIFE Cash Flow Statement
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Operating Cash Flow | N/A | N/A |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | N/A | N/A |
| Investing Cash Flow | N/A | N/A |
| Financing Cash Flow | N/A | N/A |
| Dividends Paid | N/A | N/A |
| Share Buybacks | N/A | N/A |
LIFE Financial Ratios
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Gross Margin | N/A | N/A |
| Operating Margin | N/A | N/A |
| Net Margin | N/A | N/A |
| Return on Equity | N/A | N/A |
| Return on Assets | N/A | N/A |
| Current Ratio | 2.17-0.4 | 2.59 |
| Debt-to-Equity | -22.37-17.7 | -4.69 |
| FCF Margin | N/A | N/A |
Note: Shareholder equity is negative (-$24.1M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.
Frequently Asked Questions
What is Ethos Technologies Corp.'s annual revenue?
Ethos Technologies Corp. (LIFE) reported $387.6M in total revenue for fiscal year 2025. This represents a 52.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Ethos Technologies Corp.'s revenue growing?
Ethos Technologies Corp. (LIFE) revenue grew by 52% year-over-year, from $254.9M to $387.6M in fiscal year 2025.
Is Ethos Technologies Corp. profitable?
Yes, Ethos Technologies Corp. (LIFE) reported a net income of $71.2M in fiscal year 2025, with a net profit margin of 18.4%.
What is Ethos Technologies Corp.'s EBITDA?
Ethos Technologies Corp. (LIFE) had EBITDA of $78.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Ethos Technologies Corp.'s gross margin?
Ethos Technologies Corp. (LIFE) had a gross margin of 98.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Ethos Technologies Corp.'s operating margin?
Ethos Technologies Corp. (LIFE) had an operating margin of 18.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Ethos Technologies Corp.'s net profit margin?
Ethos Technologies Corp. (LIFE) had a net profit margin of 18.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Ethos Technologies Corp.'s free cash flow?
Ethos Technologies Corp. (LIFE) generated $34.7M in free cash flow during fiscal year 2025. This represents a 397.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Ethos Technologies Corp.'s operating cash flow?
Ethos Technologies Corp. (LIFE) generated $36.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Ethos Technologies Corp.'s total assets?
Ethos Technologies Corp. (LIFE) had $515.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Ethos Technologies Corp.'s capital expenditures?
Ethos Technologies Corp. (LIFE) invested $1.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Ethos Technologies Corp.'s current ratio?
Ethos Technologies Corp. (LIFE) had a current ratio of 2.17 as of fiscal year 2025, which is generally considered healthy.
What is Ethos Technologies Corp.'s debt-to-equity ratio?
Ethos Technologies Corp. (LIFE) had a debt-to-equity ratio of -22.37 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Ethos Technologies Corp.'s return on assets (ROA)?
Ethos Technologies Corp. (LIFE) had a return on assets of 13.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Why is Ethos Technologies Corp.'s debt-to-equity ratio negative or unusual?
Ethos Technologies Corp. (LIFE) has negative shareholder equity of -$24.1M as of fiscal year 2025, which causes the debt-to-equity ratio to appear negative or not meaningful. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.
What is Ethos Technologies Corp.'s Altman Z-Score?
Ethos Technologies Corp. (LIFE) has an Altman Z-Score of 2.08, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Ethos Technologies Corp.'s Piotroski F-Score?
Ethos Technologies Corp. (LIFE) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Ethos Technologies Corp.'s earnings high quality?
Ethos Technologies Corp. (LIFE) has an earnings quality ratio of 0.51x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Ethos Technologies Corp.?
Ethos Technologies Corp. (LIFE) scores 63 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.