Ethos Technologies Inc. (Class A) (LIFE) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 41% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
As of 2026-11-03, Ethos Technologies Inc. (Class A) (NASDAQ: LIFE) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $42.62 (-1.77% 1D, market cap $2.82B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 18/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, LIFE ranks #105 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), LIFE carries a Roarable B- (70/100 RQD), trailing P/E of 39.8x, gross margin of —, and ROIC of 40.6%. By comparison, NP (Neptune Insurance Holdings Inc. (Class A)) holds a C grade (64/100 RQD, P/E 106.4x, ROIC 28.2%, cap $4.03B) and CRVL (CorVel Corp.) posts a B grade (75/100 RQD, P/E 37.6x, ROIC 29.4%, cap $4.15B). Among the 5-stock peer group, CRVL leads on earnings multiple (37.6x) while LIFE leads on capital efficiency (40.6% ROIC).
Per LIFE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001788451), Ethos Technologies Inc. (Class A) generated $387.6M in revenue (+52.0% YoY), $71.2M in net income, and $34.7M in free cash flow against $515.3M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Priced at 40x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±12.2% realized swing band)
SEC XBRL FY 2025 (10-K): 9% FCF Margin ($34.7M FCF) & 52% Gross Margin
Disciplined Float (-0.04% YoY Shares) & executive Form 4 sales trim 8 pts from alignment
Even with a 70/100 (B-) score, LIFE faces multiple-compression risk if 39.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Priced at 40x earnings—high expectations leave less room for a lukewarm quarter.
Dilution & Margin Drag: Disciplined Float (-0.04% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.43) or 200D SMA ($23.25) invalidates the momentum regime and cuts Target Base ($44.92) toward Bear Floor ($34.95).
Ethos Technologies Inc. (Class A) (LIFE) slipped -1.77% to $42.62, trading at 93% of its 52-week range ($9.45 – $44.99). High-quality cash engine (steady margins, 41% return on capital) with steady institutional support.
Yahoo! Finance Canada report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Beinsure report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Investing.com Canada report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Techs led another stock market sell-off. It's a time to be defensive. Apple, Palantir, jobs and midterm elections loom.
Techs led another stock market sell-off. It's a time to be defensive. Apple, Palantir, jobs and midterm elections loom.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +52.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on LIFE today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for LIFE. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Ethos Technologies Inc. (Class A) (LIFE) ranks #105 by composite RQD confidence (70/100, grade B-) and #376 by equity capitalization ($2.82B). Within this direct 5-issuer industry benchmark cohort, CRVL leads on earnings valuation at 37.6x trailing P/E, while LIFE leads on capital efficiency and profitability with 40.6% ROIC and — gross margin. CRVL currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with LIFE at 70/100 (B-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| LIFE
ACTIVE
Ethos Technologies Inc. (Class A) | B- | 70/100 | 39.8x | — | 40.6% | -1.77% | $2.82B | Benchmark Subject |
| NP Neptune Insurance Holdings Inc. (Class A) | C | 64/100 | 106.4x | — | 28.2% | +0.62% | $4.03B | /np-vs-life → |
| CRVL CorVel Corp. | B | 75/100 | 37.6x | — | 29.4% | +1.23% | $4.15B | /crvl-vs-life → |
| ARX Accelerant Holdings (Class A) | C | 64/100 | — | — | — | -0.05% | $4.30B | /arx-vs-life → |
| BWIN The Baldwin Insurance Group Inc. | D | 48/100 | — | — | 3.6% | -0.03% | $4.45B | /bwin-vs-life → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Ethos Technologies Inc. (Class A) (LIFE) reported GAAP revenue of $387.6M (+52.0% vs. FY2024 revenue of $254.9M ) , GAAP net income of $71.2M, operating cash flow of $36.2M, and free cash flow of $34.7M (+397.3% YoY). On the balance sheet, LIFE closed FY2025 with $515.3M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $387.6M | $71.2M | $36.2M | $34.7M | $515.3M | — |
| FY2024 (FY) | 2024-12-31 | $254.9M | $48.8M | -$10.9M | -$11.7M | $395.9M | — |
As of 2026-11-03, Ethos Technologies Inc. (Class A) (NASDAQ: LIFE) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $42.62 (-1.77% 1D, market cap $2.82B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 18/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, LIFE ranks #105 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), LIFE carries a Roarable B- (70/100 RQD), trailing P/E of 39.8x, gross margin of —, and ROIC of 40.6%. By comparison, NP (Neptune Insurance Holdings Inc. (Class A)) holds a C grade (64/100 RQD, P/E 106.4x, ROIC 28.2%, cap $4.03B) and CRVL (CorVel Corp.) posts a B grade (75/100 RQD, P/E 37.6x, ROIC 29.4%, cap $4.15B). Among the 5-stock peer group, CRVL leads on earnings multiple (37.6x) while LIFE leads on capital efficiency (40.6% ROIC).
Per LIFE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001788451), Ethos Technologies Inc. (Class A) generated $387.6M in revenue (+52.0% YoY), $71.2M in net income, and $34.7M in free cash flow against $515.3M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Priced at 40x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.
LIFE last traded at $42.62 (-1.77% on volume of 3,081,968 shares), positioning the stock +10.90% above its 50-day simple moving average ($38.43) and +83.31% above its 200-day simple moving average ($23.25). Across its 52-week range of $9.45 to $44.99, LIFE sits at the 93.3% percentile with a 14-day RSI of 64.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.2% ($37.42 to $47.82).
Ethos Technologies Inc. (Class A) (LIFE) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $42.62 (-1.77% 1D, market capitalization $2.82B).
Ethos Technologies Inc. (Class A) is a NASDAQ-listed issuer classified in the Financials sector and the Specialty Insurers industry, . — for products, customer segments, or specific revenue-generation mechanics. Per the Financials section, the company reported revenue of $387.6M for FY 2025, up from $254.9M for FY 2024.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Ethos Technologies Inc. (Class A) (LIFE) reported $387.6M in annual revenue (up from $254.9M in FY2024, +52.0% YoY) and $71.2M in GAAP net income. Over the multi-year SEC filing window from FY2024 ($254.9M revenue, $48.8M net income) through FY2025, LIFE scaled operating cash flow to $36.2M and free cash flow to $34.7M, backed by $515.3M in total assets against $0 in total debt.
— supply_chain is NONE, with no upstream or downstream dependencies, sector correlations, or second-order bottlenecks recorded. For a prospective investor, the absence of mapped links means this analysis cannot be extended beyond the company's own reported financials and news flow.
Real-time company headlines, analyst actions, and sector developments for Ethos Technologies Inc. (Class A) (LIFE) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Beinsure report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Investing.com Canada report covering Ethos Technologies Inc. (Class A) (LIFE) market action, institutional positioning, and fundamental catalysts.
Picked up a starter position in LIFE in my $100K Virtual Cash book at $43.39. Per the Market Data section, a 40.6% ROIC and 18.4% net margin indicate strong returns on invested capital, supported by net income rising from $48.8M to $71.2M.. Trading inside a $9.45–$44.99 52-week range with 1.23% FCF yield gives solid downside support if Specialty Insurers multiples expand this quarter.
@FadeTheHype Fair point on 39.8x trailing P/E, but you're ignoring the forward operating leverage in Specialty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
Careful chasing LIFE at $43.39. Per the Market Data section, a 37x EV/EBITDA and 1.23% FCF yield leave the stock with rich valuation and limited cash-return cushion at $43.62.. Gross margin is 0.0%, but operating margin is 18.8%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $33.41 on multiple compression.
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