Ethos Technologies Inc. (LIFE) SEC Filings & Earnings Calls
EquiReason read 9 Ethos Technologies Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-09 — Filing provides an updated beneficial ownership table in connection with Russell index reconstitution; no material operational or financial event..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 2.7B
- P/E TTM
- —
- Dividend yield
- —
- 52-week
- —
- Next earnings
- 2 Nov, in 9 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
16 Sep 20268-K · 7.01Ethos Technologies addresses TruStage service disruption: no data breach, no material Q3 impact, no incremental lapse rates observed. Guidance unchanged.open
Guidance
Guidance unchanged; incident factored into Q3 guidance.
Risks flagged
Service disruption at carrier partner; no data breach or material impact, but reputational risk remains.
“service disruption affecting systems operated by its carrier partner” · word for word
5 Aug 202610-QRevenue $190M (+113% y/y); Net income $20M (+6% y/y); Direct channel revenue $116M (+131% y/y)open
Figures in the filing · each found in the filing text
| Revenue · Q2-2026 | $190M | +113% y/y |
| Net income · Q2-2026 | $20M | +6% y/y |
| Direct channel revenue · Q2-2026 | $116M | +131% y/y |
| Third-party channel revenue · Q2-2026 | $73M | +90% y/y |
| Operating cash flow · H1-2026 | $67M | +178% y/y |
3 Aug 20268-K · 2.02, 8.01Q2 revenue grew 113% YoY to $189.6M; net income $19.5M (10% margin); Adj. EBITDA $35.2M (19% margin); Board authorized $100M buyback; Q3 revenue guidance $160-164M, FY26 $727-731M.earningsopen
Figures in the filing · each found in the filing text
| Revenue · Q2-2026 | $190M | +113% y/y |
| Direct Channel Revenue · Direct · Q2-2026 | $117M | +131% y/y |
| Third-Party Channel Revenue · Third-Party · Q2-2026 | $73M | +90% y/y |
| Net Income · Q2-2026 | $20M | +6% y/y |
| Non-GAAP Net Income · Q2-2026 | $35M | |
| Adjusted EBITDA · Q2-2026 | $35M | |
| Gross Profit · Q2-2026 | $186M | |
| Contribution Profit · Q2-2026 | $62M | |
| Net Income per Share (Basic) · Q2-2026 | $0.31 | -72% y/y |
| Net Income per Share (Diluted) · Q2-2026 | $0.30 | -3% y/y |
Guidance
Q3 FY26 revenue $160-164M (73% YoY growth at midpoint); Adj. EBITDA $23-25M; FY26 revenue $727-731M (88% YoY growth at midpoint); Adj. EBITDA $119-123M
Strong guidance raise with Q3 revenue midpoint $162M (+73% YoY) and FY26 revenue midpoint $729M (+88% YoY); Adj. EBITDA margins improving.
Risks flagged
ARPU declining 8% YoY due to channel/product mix shift; may pressure unit economics if trend continues.
“Reported Average Revenue per Unit: $1,758, representing an 8% year-over-year decline due to channel/product mix.” · word for word
Limited operating history at scale; competition and brand awareness risks.
“Ethos’ limited operating history at its current scale, scope and complexity; the growth rate of the markets in which Ethos competes; Ethos’ ability to effectively manage and sustain its growth; Ethos’ ability to compete with existing competitors and new market entrants.” · word for word
8 May 202610-QEthos Technologies reported Q1 2026 results: commission revenue doubled to $193.1M, but net loss of $166.4M due to $192.7M stock-based compensation from IPO vesting.earningsopen
Figures in the filing · each found in the filing text
| Commission revenue · Q1-2026 | $193M | +104% y/y |
| Net income (loss) · Q1-2026 | $-166M | |
| Operating cash flow · Q1-2026 | $31M |
Risks flagged
Stock-based compensation overhang
“Stock-based compensation expense 192,724 9,814” · word for word
Negative GAAP profitability
“Net income (loss) ( 166,391 ) 12,247” · word for word
Customer concentration
“For the three months ended March 31, 2026, three insurance carrier customers accounted for 45%, 33% and 10% of total revenue.” · word for word
Agent compensation estimate sensitivity
“The effect of this change in accounting estimate was an increase to operating expenses and net loss by $16.5 million for the three months ended March 31, 2026.” · word for word
6 May 20268-K · 2.02Total Revenue $193M (+104% y/y); Direct Channel Revenue $146M (+136% y/y); Third-Party Channel Revenue $47M (+42% y/y); Guidance: Q2 revenue $114-118M; FY revenue $561-565Mearningsopen
Figures in the filing · each found in the filing text
| Total Revenue · Q1-2026 | $193M | +104% y/y |
| Direct Channel Revenue · Direct · Q1-2026 | $146M | +136% y/y |
| Third-Party Channel Revenue · Third-Party · Q1-2026 | $47M | +42% y/y |
| Adjusted EBITDA · Q1-2026 | $34M | |
| Net Loss · Q1-2026 | $-166M | |
| Gross Profit · Q1-2026 | $190M | |
| Contribution Profit · Q1-2026 | $59M | |
| Families Protected (New Policies) · Q1-2026 | 88,373 | +84% y/y |
| Average Revenue per Unit · Q1-2026 | $2185.00 | +11% y/y |
| Non-GAAP Net Income · Q1-2026 | $29M |
Guidance
Q2 revenue $114-118M; FY revenue $561-565M
Strong guidance with 45% FY revenue growth and improving margins.
Risks flagged
One-time charge from agent compensation estimate change.
“one-time, non-cash charge of $16.5 million in Q1” · word for word
17 Mar 202610-KAnnual 10-K filing disclosing strong financial results and business performance.open
Figures in the filing · each found in the filing text
| Net Income · FY2025 | $71M | +46% y/y |
| Adjusted EBITDA · FY2025 | $89M | +55% y/y |
| Adjusted EBITDA Margin · FY2025 | 23.0% | |
| Contribution Margin · FY2025 | 42.0% | |
| Activated Policies · FY2025 | 198,338 | +55% y/y |
| Average Revenue Per Unit (ARPU) · FY2025 | $1954.00 | -2% y/y |
| Gross Margin · FY2025 | 98.0% | |
| Cash from Operations · FY2025 | $36M | |
| Free Cash Flow · FY2025 | $35M |
Risks flagged
Customer Concentration
“For the year ended December 31, 2025, three insurance carrier customers accounted for 38%, 36% and 14% of total revenue.” · word for word
Persistency Estimate Risk
“Our results of operations, including our revenue growth trends, are impacted by changes in our persistency estimates.” · word for word
Accumulated Deficit
“accumulated deficit of $102.5 million as of December 31, 2025” · word for word
25 Feb 20268-K · 2.02Total Revenue $388M (+52% y/y); Total Revenue $110M (+65% y/y); Net Income $71M; Guidance: Q1 2026 revenue $144-146M (+53% YoY); FY2026 revenue $510-514M (+32% YoY); Adjusted EBITDA $99-103Mearningsopen
Figures in the filing · each found in the filing text
| Total Revenue · FY2025 | $388M | +52% y/y |
| Total Revenue · Q4-2025 | $110M | +65% y/y |
| Net Income · FY2025 | $71M | |
| Adjusted EBITDA · FY2025 | $89M | |
| Direct Channel Revenue · Direct Channel · FY2025 | $243M | +40% y/y |
| Third-Party Channel Revenue · Third-Party Channel · FY2025 | $145M | +79% y/y |
| Gross Profit · FY2025 | $381M | |
| Contribution Profit · FY2025 | $162M | |
| Net Income per Share (diluted) · FY2025 | $1.22 | +44% y/y |
| Policies Activated (Q4) · Q4-2025 | 54,714 | +42% y/y |
Guidance
Q1 2026 revenue $144-146M (+53% YoY); FY2026 revenue $510-514M (+32% YoY); Adjusted EBITDA $99-103M
Strong guidance raise with continued high revenue growth and improving profitability.
Risks flagged
High growth may require continued investment
“Third consecutive year of revenue growth greater than 50%” · word for word
2 Feb 20268-K · 1.01, 5.03Ethos Technologies Inc. files 8-K in connection with its IPO, entering exchange agreements with co-founders and major stockholders, and amending charter and bylaws. No financial terms disclosed.open
Risks flagged
Dual-class share structure with founder control may limit minority shareholder influence
“Exchange Agreements provide for exchange of Class A common stock for Class B common stock, effective immediately prior to the sale of shares at closing of the IPO.”
Ethos Technologies Inc. — questions
- What did Ethos Technologies Inc. file recently?
- 9 SEC filings in the last 12 months. Latest: 8-K on 2026-10-09 — Filing provides an updated beneficial ownership table in connection with Russell index reconstitution; no material operational or financial event.
Every figure on this page comes from Ethos Technologies Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.