Ethos Technologies Inc.

LIFE

LIFEEthos Technologies Inc. US flag

NASDAQ Global Select

18.50

USD

-0.53

- -

1.17BMarket Cap

Profitability (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -
Return on Assets (%)	- -	14.46	15.62
Return on Capital (%)	- -	-25.14	-54.67
Return on Invested Capital (%)	- -	- -	- -
Gross Margin (%)	96.31	97.44	98.26
EBITDA Margin (%)	1.76	21.27	20.43
Operating Margin (%)	-1.82	19.12	18.81
Incremental Operating Margin (%)	- -	54.28	18.22
Pretax Margin (%)	1.42	21.16	19.54
Profit Margin (%)	1.06	19.16	18.36
Net Income to Common Margin (%)	1.06	19.16	18.36
Effective Tax Rate (%)	25.76	9.46	6.06
Dvd Payout Ratio (%)	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -

Credit (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Total Debt	1	3	2
ST Debt	1	1	1
LT Debt	- -	2	1
Total Debt/EBITDA	0.28	0.05	0.03
Net Debt/EBITDA	-8.88	-0.65	-1.15
Total Debt/EBIT	-0.27	0.05	0.03
Net Debt/EBIT	8.59	-0.72	-1.25
EBITDA to Interest Expense	3.9	91.14	24.98
EBITDA-CapEx/Interest Expense	-2.89	83.43	23
EBIT to Interest Expense	-4.03	81.93	23
Interest Expense	1	1	3
Common Equity/Total Assets	-79.56	-43.87	-19.89
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	-0.11	-1.09	-1.23
Long-Term Debt/Total Assets (%)	0.09	0.47	0.24
Total Debt/Equity (%)	-0.5	-2.44	-9.76
Total Debt/Capital (%)	-0.36	-1.53	-2.35
Total Debt/Total Assets (%)	0.29	0.66	0.46
Net Debt to Equity	15.72	32.73	377.72
Net Debt/Capital (%)	10.14	17.02	47.63
EBITDA	3	54	79
EBITDA-CapEx	-2	50	73
Operating Income (Loss)	-3	49	73

Liquidity (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	4.76	1.53	1.11
Current Ratio	5.49	2.59	2.17
Quick Ratio	5.41	2.2	1.69
CFO/Avg Current Liab	- -	-0.23	0.4
Common Equity/Total Assets	-79.56	-43.87	-19.89
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	-0.11	-1.09	-1.23
Long-Term Debt/Total Assets (%)	0.09	0.47	0.24
Total Debt/Equity (%)	-0.5	-2.44	-9.76
Total Debt/Capital (%)	-0.36	-1.53	-2.35
Total Debt/Total Assets (%)	0.29	0.66	0.46
CFO/Total Liabilities	-8.46	-2.17	6.72
CFO/CapEx	-7.56	-2.38	5.77
Altman's Z-Score	0.07	0.88	1.26

Working Capital (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	8.08	7.01
Days Sales Outstanding	- -	45.18	52.11
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	0.28	0.13
Accounts Payable Turnover Days	- -	1,306.97	2,724.22
Cash Conversion Cycle	- -	-1,261.79	-2,672.11
Inventory to Cash Days	- -	45.18	52.11
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	88	95	- -
- Cash & Cash Equivalents	25	35	91
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	1	3	2
Enterprise Value	-40	-6	-124
Total Capital	-222	-171	-100
Total Debt/Capital (%)	-0.36	-1.53	-2.35
Total Debt / EV	-0.02	-0.46	-0.02
EV/Sales	- -	- -	- -
EV/EBITDA	- -	- -	- -
EV/EBIT	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -
Diluted Market Cap	88	95	- -
Diluted Enterprise Value	64	63	-89
EV per Share	- -	- -	- -
TTM Sales	160	255	388
TTM EBITDA	3	54	79
TTM Operating Income	-3	49	73
TTM Cash Flow to Firm	-37	-10	39
TTM Free Cash Flow to Firm	-32	-6	45

Multiples (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	-2.74	-15.04	- -
EV/EBIT	- -	- -	- -
Enterprise Value	-40	-6	-124
Low Price	1.08	1.39	- -
EV/Sales	- -	- -	- -
EV/EBITDA	- -	- -	- -
Price/Earnings	52.22	1.95	- -
Price/Earnings Average	69.42	2.23	- -
Price/Earnings High	100	2.75	- -
Price/Earnings Low	40.01	1.78	- -
Price/Book Value	-0.4	-0.55	- -
Price/Book Value Average	-0.53	-0.63	- -
Price/Book Value High	-0.76	-0.77	- -
Price/Book Value Low	-0.3	-0.5	- -
Price/Tangible Book Value	-0.55	-0.87	- -
Price/Tangible Book Value Average	-0.73	-0.99	- -
Price/Tangible Book Value High	-1.05	-1.23	- -
Price/Tangible Book Value Low	-0.42	-0.79	- -
Price/Sales	0.55	0.37	- -
Price/Sales Average	0.73	0.43	- -
Price/Sales High	1.06	0.53	- -
Price/Sales Low	0.42	0.34	- -
Price/Cash Flow	-2.38	-8.72	- -
Price/Cash Flow Average	-3.16	-9.97	- -
Price/Cash Flow High	-4.55	-12.33	- -
Price/Cash Flow Low	-1.82	-7.97	- -
Price/Free Cash Flow Average	-3.64	-17.2	- -
Price/Free Cash Flow High	-5.24	-21.27	- -
Price/Free Cash Flow Low	-2.1	-13.75	- -
EV/Sales Average	0.58	0.3	- -
EV/Sales High	0.91	0.4	- -
EV/Sales Low	0.27	0.21	- -
EV/EBITDA Average	33.01	1.41	-1.12
EV/EBITDA High	51.34	1.88	-1.12
EV/EBITDA Low	15.38	1.01	-1.12
EV/EBIT Average	-31.96	1.57	-1.22
EV/EBIT High	-49.7	2.09	-1.22
EV/EBIT Low	-14.89	1.12	-1.22
Last Price	1.41	1.52	- -
High Price	2.7	2.15	- -
Enterprise Value Average	93	76	-89
Enterprise Value High	145	102	-89
Enterprise Value Low	43	54	-89

Profitability (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -
Return on Assets (%)	- -	14.46	15.62
Return on Capital (%)	- -	-25.14	-54.67
Return on Invested Capital (%)	- -	- -	- -
Gross Margin (%)	96.31	97.44	98.26
EBITDA Margin (%)	1.76	21.27	20.43
Operating Margin (%)	-1.82	19.12	18.81
Incremental Operating Margin (%)	- -	54.28	18.22
Pretax Margin (%)	1.42	21.16	19.54
Profit Margin (%)	1.06	19.16	18.36
Net Income to Common Margin (%)	1.06	19.16	18.36
Effective Tax Rate (%)	25.76	9.46	6.06
Dvd Payout Ratio (%)	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -

Credit (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Total Debt	1	3	2
ST Debt	1	1	1
LT Debt	- -	2	1
Total Debt/EBITDA	0.28	0.05	0.03
Net Debt/EBITDA	-8.88	-0.65	-1.15
Total Debt/EBIT	-0.27	0.05	0.03
Net Debt/EBIT	8.59	-0.72	-1.25
EBITDA to Interest Expense	3.9	91.14	24.98
EBITDA-CapEx/Interest Expense	-2.89	83.43	23
EBIT to Interest Expense	-4.03	81.93	23
Interest Expense	1	1	3
Common Equity/Total Assets	-79.56	-43.87	-19.89
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	-0.11	-1.09	-1.23
Long-Term Debt/Total Assets (%)	0.09	0.47	0.24
Total Debt/Equity (%)	-0.5	-2.44	-9.76
Total Debt/Capital (%)	-0.36	-1.53	-2.35
Total Debt/Total Assets (%)	0.29	0.66	0.46
Net Debt to Equity	15.72	32.73	377.72
Net Debt/Capital (%)	10.14	17.02	47.63
EBITDA	3	54	79
EBITDA-CapEx	-2	50	73
Operating Income (Loss)	-3	49	73

Liquidity (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	4.76	1.53	1.11
Current Ratio	5.49	2.59	2.17
Quick Ratio	5.41	2.2	1.69
CFO/Avg Current Liab	- -	-0.23	0.4
Common Equity/Total Assets	-79.56	-43.87	-19.89
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	-0.11	-1.09	-1.23
Long-Term Debt/Total Assets (%)	0.09	0.47	0.24
Total Debt/Equity (%)	-0.5	-2.44	-9.76
Total Debt/Capital (%)	-0.36	-1.53	-2.35
Total Debt/Total Assets (%)	0.29	0.66	0.46
CFO/Total Liabilities	-8.46	-2.17	6.72
CFO/CapEx	-7.56	-2.38	5.77
Altman's Z-Score	0.07	0.88	1.26

Working Capital (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	8.08	7.01
Days Sales Outstanding	- -	45.18	52.11
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	0.28	0.13
Accounts Payable Turnover Days	- -	1,306.97	2,724.22
Cash Conversion Cycle	- -	-1,261.79	-2,672.11
Inventory to Cash Days	- -	45.18	52.11
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	88	95	- -
- Cash & Cash Equivalents	25	35	91
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	1	3	2
Enterprise Value	-40	-6	-124
Total Capital	-222	-171	-100
Total Debt/Capital (%)	-0.36	-1.53	-2.35
Total Debt / EV	-0.02	-0.46	-0.02
EV/Sales	- -	- -	- -
EV/EBITDA	- -	- -	- -
EV/EBIT	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -
Diluted Market Cap	88	95	- -
Diluted Enterprise Value	64	63	-89
EV per Share	- -	- -	- -
TTM Sales	160	255	388
TTM EBITDA	3	54	79
TTM Operating Income	-3	49	73
TTM Cash Flow to Firm	-37	-10	39
TTM Free Cash Flow to Firm	-32	-6	45

Multiples (USD)

API ChatGPT

	2023 Y	2024 Y	2025 Y
As of date	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	-2.74	-15.04	- -
EV/EBIT	- -	- -	- -
Enterprise Value	-40	-6	-124
Low Price	1.08	1.39	- -
EV/Sales	- -	- -	- -
EV/EBITDA	- -	- -	- -
Price/Earnings	52.22	1.95	- -
Price/Earnings Average	69.42	2.23	- -
Price/Earnings High	100	2.75	- -
Price/Earnings Low	40.01	1.78	- -
Price/Book Value	-0.4	-0.55	- -
Price/Book Value Average	-0.53	-0.63	- -
Price/Book Value High	-0.76	-0.77	- -
Price/Book Value Low	-0.3	-0.5	- -
Price/Tangible Book Value	-0.55	-0.87	- -
Price/Tangible Book Value Average	-0.73	-0.99	- -
Price/Tangible Book Value High	-1.05	-1.23	- -
Price/Tangible Book Value Low	-0.42	-0.79	- -
Price/Sales	0.55	0.37	- -
Price/Sales Average	0.73	0.43	- -
Price/Sales High	1.06	0.53	- -
Price/Sales Low	0.42	0.34	- -
Price/Cash Flow	-2.38	-8.72	- -
Price/Cash Flow Average	-3.16	-9.97	- -
Price/Cash Flow High	-4.55	-12.33	- -
Price/Cash Flow Low	-1.82	-7.97	- -
Price/Free Cash Flow Average	-3.64	-17.2	- -
Price/Free Cash Flow High	-5.24	-21.27	- -
Price/Free Cash Flow Low	-2.1	-13.75	- -
EV/Sales Average	0.58	0.3	- -
EV/Sales High	0.91	0.4	- -
EV/Sales Low	0.27	0.21	- -
EV/EBITDA Average	33.01	1.41	-1.12
EV/EBITDA High	51.34	1.88	-1.12
EV/EBITDA Low	15.38	1.01	-1.12
EV/EBIT Average	-31.96	1.57	-1.22
EV/EBIT High	-49.7	2.09	-1.22
EV/EBIT Low	-14.89	1.12	-1.22
Last Price	1.41	1.52	- -
High Price	2.7	2.15	- -
Enterprise Value Average	93	76	-89
Enterprise Value High	145	102	-89
Enterprise Value Low	43	54	-89

Shares Outstanding	63	63	63
Diluted Weighted Avg Shares	63	63	63
Basic Weighted Avg Shares	63	63	63
Revenue per Share	2.55	4.08	6.2
EBITDA per Share	0.05	0.87	1.27
Operating Income per Share	-0.05	0.78	1.17
Basic EPS, GAAP	0.03	0.78	1.14
Basic EPS from Cont Ops	0.03	0.78	1.14
Diluted EPS, GAAP	0.03	0.78	1.14
Diluted EPS from Cont Ops	0.03	0.78	1.14
Dividend per Share	- -	- -	- -
Cash Flow per Share	-0.59	-0.17	0.58
Free Cash Flow per Basic Share	-0.67	-0.25	0.48
Cash & Equivalents per Share	2.06	1.65	2.01
Book Value per Share	-3.56	-2.78	-1.64
Tangible Book Value per Share	-2.58	-1.75	-0.43

Ethos Technologies Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)