LIFE$29.75+0.00%

Fair $29.75+0.0%

LIFE

Ethos Technologies Inc.

Financial Services / Insurance BrokersNasdaqGS

$29.75

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $29.75Fund rank 27/100 · Data gapFallback financials|

SA 8/F

F-Score: 5/9

Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 27/100

Bear 5Yn/dn/d

Base 5Yn/dn/d

Bull 5Yn/dn/d

Return 0/100Downside 20/100Model quality 49/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

8/100

Piotroski

5/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

8/100

SEC 0%

Latest source: unknownPeriods: 2Warnings: 1unknown: 2

No SEC-backed annual rows; valuation uses fallback financial data. Limited financial history; valuation confidence should be treated as provisional. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is -3.0%, below the 5% threshold

Thesis & Journal · LIFELocal privado en este navegador · Ethos Technologies Inc.

Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Tesis central

Bull caseBase caseBear case

CatalizadoresRiesgos

Kill criteria

Mi valoración / targetReview date

Sin guardar todavía.

Market Cap

$1.9B

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-295.0%

↓

Gross Margin

N/A

•

Debt/Equity

N/A

•

No hay histórico de precio usable para pintar el gráfico TradingView.

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2024–2025 · 1 años de histórico normalizado

Revenue CAGR

+52.0%

FCF CAGR

—

FCF margin

9.0%

FCF / Net income

0.49x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $387.6M · net income $71.2M · FCF $34.7M

2024-FY → 2025-FY

Gross margin

—— pts

Operating margin

18.8%-0.3% pts

Net margin

18.4%-0.8% pts

FCF margin

9.0%+13.5% pts

Metric	TTM	2025	2024
Income Statement
Revenue	$387.6M	$387.6M	$254.9M
Net Income	$71.2M	$71.2M	$48.8M
EBITDA	$78.3M	$78.3M	$54.2M
EPS	1.22	1.22	0.85
Operating Margin	18.8%	18.8%	19.1%
Net Margin	18.4%	18.4%	19.2%
Cash Flow
Free Cash Flow	$34.7M	$34.7M	$-11.7M
Returns
ROE	-295.0%	-295.0%	-45.6%
Growth & Yield
Revenue Growth	52.0%	52.0%	—
EPS Growth	43.5%	43.5%	—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

3Y implied EPS CAGR

29.3%

muy exigente

EPS terminal req.

$2.64

Spread vs growth

14.2%

5Y implied EPS CAGR

21.2%

exigente

EPS terminal req.

$3.19

Spread vs growth

22.3%

10Y implied EPS CAGR

15.5%

exigente

EPS terminal req.

$5.14

Spread vs growth

28.1%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.