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LIFE

Neutral signalScored 2026-10-22 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.

Research, not advice.

À propos

Ethos Technologies Inc.

Nom
Ethos Technologies Inc.
Secteur
Financial Services
Industrie
Insurance - Brokers
Bourse
NASDAQ
Capitalisation
$2.8B
Employés
614
PDG
Peter George Colis
Site web
https://www.ethos.com
Marché
EHTHHITHUIZNPXHGXZO

Ethos Technologies Inc. functions as a third-party administrator for insurance policies in various global markets, including the United States, India, and Singapore. The company offers "Ethos," a comprehensive technology platform designed to transform the process of purchasing, distributing, and overseeing risk for life insurance products among consumers, agents, and insurance providers. Their product portfolio features term, whole, and indexed universal life insurance policies, complemented by offerings such as wills and estate planning assistance, and supplemental health insurance. Ethos serves a broad clientele, encompassing individual consumers, insurance agents, agencies, and carriers. Incorporated in 2016 and based in San Francisco, California, the organization was formerly known as Ethos Insurance Corporation until its name change in August 2016.

Price (1 year)

Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.

VENTE TOTALE: 426 666 titres (~16 210 643,29 $ US)

Insiders
Wang LingkeColis Peter George
Total bought
—

Avg buy (VWAP, 90d window) —

Total sold
$2,885,939

Avg sell (VWAP, 90d window) $35.43 vs last close $42.30 (+19.4%)

Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.

$2,096,781 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.

Last activity
2026-10-16
Liquidity
Liquid $58,157,953/day · 20d vol
Last synced
2026-10-26 21:10:38 Synced via automated research pipeline

Sign in to request a sync of this company's price history and timing levels.

Insider holdings as a share of total assets aren't available for this company.

Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.

Recent Form 4

Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.

Date Person Side Shares Price Value Form 4
2026-10-16 Colis Peter George Sell · S · 10b5-1 5,532 $38.32 $211,986 Form 4
2026-10-15 Colis Peter George Sell · S · 10b5-1 400 $39.12 $15,648 Form 4
2026-10-15 Wang Lingke Sell · S · 10b5-1 800 $39.14 $31,312 Form 4
2026-10-14 Colis Peter George Sell · S · 10b5-1 8,100 $39.58 $320,598 Form 4
2026-09-18 Colis Peter George Sell · S · 10b5-1 6,495 $37.52 $243,692 Form 4
2026-09-17 Colis Peter George Sell · S · 10b5-1 315 $39.67 $12,496 Form 4
2026-09-17 Wang Lingke Sell · S · 10b5-1 315 $39.67 $12,496 Form 4
2026-09-16 Colis Peter George Sell · S · 10b5-1 1,971 $40.35 $79,530 Form 4
2026-08-21 Colis Peter George Sell · S · 10b5-1 4,036 $33.85 $136,619 Form 4
2026-08-20 Colis Peter George Sell · S · 10b5-1 14,744 $33.23 $489,943 Form 4
2026-08-20 Kucharski Brandt Walter Sell · S · 10b5-1 316 $32.86 $10,384 Form 4
2026-08-20 Wang Lingke Sell · S · 10b5-1 6,012 $33.98 $204,288 Form 4
2026-08-19 Colis Peter George Sell · S · 10b5-1 4,271 $33.61 $143,548 Form 4
2026-08-17 Capozzi Christopher M. Sell · S 10,987 $34.44 $378,392 Form 4
2026-08-17 Colis Peter George Sell · S 11,708 $34.46 $403,458 Form 4
2026-08-17 Kucharski Brandt Walter Sell · S · 10b5-1 1,467 $34.49 $50,597 Form 4
2026-08-17 Wang Lingke Sell · S 210 $34.80 $7,308 Form 4
2026-08-14 Kucharski Brandt Walter Sell · S · 10b5-1 3,771 $35.44 $133,644 Form 4

Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.

Congressional trades

STOCK Act disclosures (90-day window)

Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.

No STOCK Act disclosures for this company in this window.

Signal

Neutral signalScored 2026-10-22 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.

LIFE presents genuinely strong financial fundamentals — a 98% gross margin, net cash balance sheet, and solid EBITDA — but the event-driven signal is sharply negative, with 426k shares (~$16.2M) sold by insiders…

The first sentence of the analysis written for LIFE on 2026-10-22 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.

Neutral signal Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.

Factor checklist — research, not advice

A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.

  • Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
  • Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
  • Congress Unavailable or mixed. No purchase disclosures in the stored window
  • Timing Supports a bullish reading. Interesting trend — weekly bias up
  • Financial indicators Supports a bullish reading. Current ratio 2.17 · operating margin 19%

Suggested stop 30.06, nearest stored support minus 0.5 ATR(28.9% under the last close). Reward/risk to the next stored resistance is 0.02. Wait — that reward/risk is under 2. Research, not advice. Not an order.

Recent news

Market snapshot

Financial ratios

MetricTrend2025-12-31
Gross Profit Margin98.3%
Ebit Margin20.4%
Ebitda Margin22.0%
Operating Profit Margin18.8%
Pretax Profit Margin19.5%
Continuous Operations Profit Margin18.4%
Net Profit Margin18.4%
Bottom Line Profit Margin18.4%
Current Ratio2.172
Quick Ratio2.172
Solvency Ratio0.144
Cash Ratio0.805
Price To Earnings Ratio14.781
Price To Earnings Growth Ratio0.000
Forward Price To Earnings Growth Ratio0.000
Price To Earnings Diluted Ratio14.781
Price To Earnings Diluted Growth Ratio0.000
Price To Book Ratio-43.710
Price To Sales Ratio2.720
Price To Free Cash Flow Ratio35.198
Price To Operating Cash Flow Ratio29.099
Debt To Assets Ratio0.005
Debt To Equity Ratio-0.098
Debt To Capital Ratio-0.108
Long Term Debt To Capital Ratio0.000
Financial Leverage Ratio-21.369
Working Capital Turnover Ratio0.000
Operating Cash Flow Ratio0.320
Operating Cash Flow Sales Ratio0.093
Free Cash Flow Operating Cash Flow Ratio0.827
Debt Service Coverage Ratio25.421
Interest Coverage Ratio23.004
Short Term Operating Cash Flow Coverage Ratio0.000
Operating Cash Flow Coverage Ratio15.395
Capital Expenditure Coverage Ratio5.771
Dividend Paid And Capex Coverage Ratio5.771
Dividend Payout Ratio0.000
Enterprise Value Multiple11.334

Sparkline shows each ratio oldest → newest (left → right).

How the latest year compares

For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower

MetricCurrentvs 1Y agovs 5Y avg
Gross Profit Margin 98.3% n/a 0.0%
Ebit Margin 20.4% n/a 0.0%
Ebitda Margin 22.0% n/a 0.0%
Operating Profit Margin 18.8% n/a 0.0%
Pretax Profit Margin 19.5% n/a 0.0%
Continuous Operations Profit Margin 18.4% n/a 0.0%
Net Profit Margin 18.4% n/a 0.0%
Bottom Line Profit Margin 18.4% n/a 0.0%
Current Ratio 2.172 n/a 0.000
Quick Ratio 2.172 n/a 0.000
Solvency Ratio 0.143 n/a 0.000
Cash Ratio 0.805 n/a 0.000
Price To Earnings Ratio 14.781 n/a 0.000
Price To Earnings Growth Ratio 0.000 n/a 0.000
Forward Price To Earnings Growth Ratio 0.000 n/a 0.000
Price To Earnings Diluted Ratio 14.781 n/a 0.000
Price To Earnings Diluted Growth Ratio 0.000 n/a 0.000
Price To Book Ratio -43.710 n/a 0.000
Price To Sales Ratio 2.720 n/a 0.000
Price To Free Cash Flow Ratio 35.198 n/a 0.000
Price To Operating Cash Flow Ratio 29.099 n/a 0.000
Debt To Assets Ratio 0.005 n/a 0.000
Debt To Equity Ratio -0.098 n/a 0.000
Debt To Capital Ratio -0.108 n/a 0.000
Long Term Debt To Capital Ratio 0.000 n/a 0.000
Financial Leverage Ratio -21.369 n/a 0.000
Working Capital Turnover Ratio 0.000 n/a 0.000
Operating Cash Flow Ratio 0.320 n/a 0.000
Operating Cash Flow Sales Ratio 0.093 n/a 0.000
Free Cash Flow Operating Cash Flow Ratio 0.827 n/a 0.000
Debt Service Coverage Ratio 25.421 n/a 0.000
Interest Coverage Ratio 23.004 n/a 0.000
Short Term Operating Cash Flow Coverage Ratio 0.000 n/a 0.000
Operating Cash Flow Coverage Ratio 15.395 n/a 0.000
Capital Expenditure Coverage Ratio 5.771 n/a 0.000
Dividend Paid And Capex Coverage Ratio 5.771 n/a 0.000
Dividend Payout Ratio 0.000 n/a 0.000
Enterprise Value Multiple 11.334 n/a 0.000

Key metrics

MetricTrend2025
Market cap$1.05B
Enterprise value$965.4M
EV / Sales2.49x
EV / Op. cash flow26.65x
EV / Free cash flow32.23x
EV / EBITDA11.33x
Net debt / EBITDA-1.04x
Current ratio2.17x
Income quality0.51x
Graham net-net-$6
Tax burden93.9%
Interest burden96.0%
Working capital$132.6M
Invested capital$145.9M
Return on assets13.8%
Operating ROA0.0%
Return on tangible assets13.9%
Return on equity-295.0%
Return on invested capital17.0%
Return on capital employed18.1%
Earnings yield6.7%
Free cash flow yield2.8%
Capex / Op. cash flow17.3%
Capex / Depreciation100.2%
Capex / Sales1.6%
SG&A / Sales69.4%
R&D / Sales0.0%
Stock comp / Sales2.7%
Intangibles / Total assets0.6%
Days sales outstanding61d
Days payables outstanding3622d
Operating cycle61d
Cash conversion cycle-3561d

Change by theme

Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.

Change over 1 year

Valuation
Market cap 0.0%EV / Sales 0.0%EV / EBITDA 0.0%EV / Op. cash flow 0.000Earnings yield 0.000
Profitability
Return on equity 0.000Return on assets 0.000Return on invested capital 0.000Return on capital employed 0.000Operating ROA n/aIncome quality 0.000Tax burden 0.000
Efficiency
Days sales outstanding 0.000Days payables outstanding 0.000Operating cycle 0.000Cash conversion cycle 0.000Capex / Sales 0.000R&D / Sales n/a
Balance-sheet strength
Current ratio 0.000Net debt / EBITDA 0.000Working capital 0.000Invested capital 0.000Intangibles / Total assets 0.000

Change over 5 years

Valuation
Market cap 0.0%EV / Sales 0.0%EV / EBITDA 0.0%EV / Op. cash flow 0.000Earnings yield 0.000
Profitability
Return on equity 0.000Return on assets 0.000Return on invested capital 0.000Return on capital employed 0.000Operating ROA n/aIncome quality 0.000Tax burden 0.000
Efficiency
Days sales outstanding 0.000Days payables outstanding 0.000Operating cycle 0.000Cash conversion cycle 0.000Capex / Sales 0.000R&D / Sales n/a
Balance-sheet strength
Current ratio 0.000Net debt / EBITDA 0.000Working capital 0.000Invested capital 0.000Intangibles / Total assets 0.000

Employee count

Peer market caps