Ethos Technologies Inc. (LIFE) intrinsic value & 10-year financials
Ethos Technologies Inc. (LIFE) has a Graham intrinsic value of $40.52 per share. At $37.52 on Oct 17, 2026, the stock trades 7% below that value. Over the last 3 fiscal years revenue grew 52.0% a year to $387.6M, with an average return on invested capital of -42.6%.
- Graham intrinsic value
- $40.52
- Share price (Oct 17, 2026)
- $37.52
- Price vs Graham value
- 7% below
- Market cap
- $2.2B
- Revenue (FY2025)
- $387.6M
- Revenue growth (3-yr CAGR)
- 52.0%
- ROIC (10-yr avg)
- -42.6%
- Free cash flow (FY2025)
- $34.7M
LIFE 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $387.6M | $71.2M | $1.22 | $34.7M | 18.8% | -53.9% |
| FY2024 | $254.9M | $48.8M | $0.85 | -$11.7M | 19.1% | -31.4% |
| FY2023 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Ethos Technologies Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Ethos Technologies Inc. has historically struggled to out-earn its cost of capital, averaging just -42.7% ROIC.
Ethos Technologies Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Ethos Technologies Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $40.52 per share.