Ethos Technologies Inc. Class A Common Stock (LIFE) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Ethos Technologies Inc. Class A Common Stock $9.73, price $33.91, upside -71.3%, quality 74 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 23, 2026.
How to read this chart
8‑month range $9.85 – $42.02 · fair‑value band $5.72 – $12.95 · the $33.91 price screens above the $9.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 23, 2026.
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Ethos Technologies Inc. provides third-party administrator services for insurance policies in the United States. The company offers Ethos, a three-sided technology platform that serves an ecosystem of consumers, agents, and carriers.
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Ethos Technologies Inc. provides third-party administrator services for insurance policies in the United States. The company offers Ethos, a three-sided technology platform that serves an ecosystem of consumers, agents, and carriers. It also provides term life insurance, whole life insurance, and indexed universal life insurance products, as well as wills and estate planning, and supplemental health insurance products. The company was formerly known as Ethos Insurance Corporation and changed its name to Ethos Technologies Inc. in August 2016. The company was incorporated in 2016 and is based in San Francisco, California.
Stock analysis
Ethos Technologies Inc. Class A Common Stock (LIFE) currently trades at $33.91, while our model-based Fair Value estimate is $9.73, implying the stock looks roughly 248.6% overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $30.19 per share, and 1 of the 21 models we run sit above the $33.91 price.
Bear case: the Economic Profit group reads lowest at $6.47, and 20 of the 21 models stay below the price. Evidence for this calculation is low.
Scenario range: $5.72 (bear) to $12.95 (bull), the price of $33.91 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 74/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Ethos Technologies Inc. Class A Common Stock reported revenue of $388M in FY2025 versus $160M in FY2023, a compound +55.8%/yr. Reported net income was $71.2M in FY2025, compounding +549.0%/yr from FY2023.
Key figures
Market cap $2.1B · P/S ratio 3.14 · EPS (TTM) $−1.70 · Net margin 18.4% · Return on equity −29.1% · Return on assets (EBIT) 8.5% · Operating margin −84.6% · Revenue (TTM) $486M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −46% fair-value upside, at −71%, LIFE screens richer than that median.
Fair Value models
Bear $5.72Fair Value $9.73Bull $12.95
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.76/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
not computed
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+37.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+21.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +34.5% a year for the price and +19.1% for the forecasts.
Compare Ethos Technologies Inc. Class A Common Stock with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance Brokers · 35 stocks
Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside−73% · Bottom 25%
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets−12% · Bottom 25%
Net margin (TTM)−22% · Bottom 25%
Operating margin (TTM)−85% · Bottom 25%
Growth and dividend
Revenue growth104% · Top 25%
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Insurance Brokers median · lower = cheaper
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (TTM)4.66× · Priciest 25%
P/FCF75.6× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 0
FUTURE (revenue growth)100· sector 59
PAST (return on equity)0· sector 62
HEALTH (low debt)0· sector 84
DIVIDEND (yield)0· sector 90
VALUE 0: the price sits above our fair-value range.
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Ethos Technologies Inc. Class A Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/LIFE
Frequently asked questions
Is Ethos Technologies Inc. Class A Common Stock (LIFE) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $9.73 versus a price of $33.91, about −71% upside (overvalued).
What is the fair value of LIFE?
Our model-based fair value for Ethos Technologies Inc. Class A Common Stock is $9.73 (as of Sep 23, 2026), built from audited fundamentals. The current price: $33.91.
What is the quality score of LIFE?
Ethos Technologies Inc. Class A Common Stock has a Quality Score of 74/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Ethos Technologies Inc. Class A Common Stock (LIFE)?
Our model-based price target is the fair value of $9.73 (as of Sep 23, 2026) from 21 valuation models. Cautious scenario $5.72, optimistic scenario $12.95. It is a calculation from audited fundamentals, not an analyst target.
What is the Ethos Technologies Inc. Class A Common Stock stock forecast for 2026?
Our models put fair value at $9.73, about −71% upside versus a price of $33.91 (overvalued). Cautious scenario $5.72, optimistic scenario $12.95. The calculation is refreshed regularly with new filings.
What is the revenue of Ethos Technologies Inc. Class A Common Stock (LIFE)?
Ethos Technologies Inc. Class A Common Stock reported trailing-twelve-month revenue of about $486M (latest available figure, as of Sep 23, 2026).
What growth is priced into Ethos Technologies Inc. Class A Common Stock (LIFE)?
For today's price to be fair in a discounted-cash-flow model, Ethos Technologies Inc. Class A Common Stock would have to grow free cash flow by +37.7 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 2 years revenue grew +55.8 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of LIFE use?
Our models discount Ethos Technologies Inc. Class A Common Stock at 11.2 %: a base by market capitalisation (small), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Ethos Technologies Inc. Class A Common Stock that is +37.7 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Ethos Technologies Inc. Class A Common Stock (LIFE) delivered so far?
Over the past 2 years revenue at Ethos Technologies Inc. Class A Common Stock grew +55.8 % a year. The price currently implies +37.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Ethos Technologies Inc. Class A Common Stock (LIFE) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Ethos Technologies Inc. Class A Common Stock (+37.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Ethos Technologies Inc. Class A Common Stock (LIFE)?
The free-cash-flow yield on the price is 1.41 %: that much free cash flow Ethos Technologies Inc. Class A Common Stock produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Ethos Technologies Inc. Class A Common Stock (LIFE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ethos Technologies Inc. Class A Common Stock it is $9.73 per share (as of Sep 23, 2026), against a price of $33.91. It is the blended result of 21 valuation models (cash flow, earnings, asset, dividend).
Is Ethos Technologies Inc. Class A Common Stock stock overvalued or undervalued in 2026?
As of Sep 23, 2026, LIFE trades above its calculated fair value: price $33.91, fair value $9.73, a gap of about −71% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LIFE?
No. The price is what the market pays today ($33.91); the fair value is what the company's own numbers justify ($9.73). For Ethos Technologies Inc. Class A Common Stock the two are $24.18 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ethos Technologies Inc. Class A Common Stock worth?
The market values Ethos Technologies Inc. Class A Common Stock at about $2.1B (market capitalisation, as of Sep 23, 2026). Per share that is $33.91; our models calculate a fair value of $9.73 per share.
What do the bullish and bearish scenarios say about LIFE?
Our models span a range for Ethos Technologies Inc. Class A Common Stock: cautious scenario $5.72, base $9.73, optimistic $12.95 per share (as of Sep 23, 2026, price $33.91). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Ethos Technologies Inc. Class A Common Stock (LIFE)?
Balance-sheet figures for Ethos Technologies Inc. Class A Common Stock (as of Sep 23, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 74/100, which measures business quality independently of the share price.
Which stocks are comparable to Ethos Technologies Inc. Class A Common Stock?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Aon plc, Arthur J. Gallagher & Co, Willis Towers Watson Public Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ethos Technologies Inc. Class A Common Stock stock attractive at the current price?
The data as of Sep 23, 2026: price $33.91, calculated fair value $9.73 (−71%), Quality Score 74/100, from 21 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LIFE calculated?
We run Ethos Technologies Inc. Class A Common Stock through 21 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $9.73, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Ethos Technologies Inc. Class A Common Stock itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ethos Technologies Inc. Class A Common Stock (LIFE)?
The closing price on Sep 23, 2026 was $33.91. Our model-based fair value is $9.73, about −71% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ethos Technologies Inc. Class A Common Stock right now?
A high-quality business (quality 74/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case ($12.95). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($5.72 to $12.95) leaves room in how you read the outcome.
Key figures of Ethos Technologies Inc. Class A Common Stock
How large is the market capitalisation of Ethos Technologies Inc. Class A Common Stock (LIFE)?
The market capitalisation of Ethos Technologies Inc. Class A Common Stock is $2.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Ethos Technologies Inc. Class A Common Stock (LIFE)?
The price-to-sales ratio of Ethos Technologies Inc. Class A Common Stock is 3.14 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ethos Technologies Inc. Class A Common Stock (LIFE)?
Earnings per share at Ethos Technologies Inc. Class A Common Stock are $−1.70. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Ethos Technologies Inc. Class A Common Stock (LIFE)?
The net margin of Ethos Technologies Inc. Class A Common Stock is 18.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Ethos Technologies Inc. Class A Common Stock (LIFE)?
The return on equity (ROE) of Ethos Technologies Inc. Class A Common Stock is −29.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Ethos Technologies Inc. Class A Common Stock (LIFE)?
On an EBIT basis the return on assets of Ethos Technologies Inc. Class A Common Stock is 8.5% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ethos Technologies Inc. Class A Common Stock (LIFE)?
The operating margin of Ethos Technologies Inc. Class A Common Stock is −84.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ethos Technologies Inc. Class A Common Stock (LIFE)?
Revenue at Ethos Technologies Inc. Class A Common Stock is growing +104% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ethos Technologies Inc. Class A Common Stock (LIFE)?
Earnings per share at Ethos Technologies Inc. Class A Common Stock are growing +162% versus a year earlier. How much earnings per share grew versus a year earlier.
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Thin data
Sep 23, 2026