Stock Ratings / Financials / LIFE / financials

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Ethos Technologies Inc. (Class A) (LIFE) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$43.62 +1.85% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $43.68

Ethos Technologies Inc. (Class A) (LIFE) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $2.83B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $43.68 (+0.14%)🧬 Disciplined Float (-0.04% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+1.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LIFE)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (61/100 Composite)

🔍 WHY LIFE SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 9% FCF Margin ($34.7M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (65.1) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$36.96+1.5% Next Q

Q2 (-2Q)

Grade C$37.52+14.9% Next Q

Q3 (-1Q)

Grade C$43.10+1.2% Next Q

Current

Grade C-$43.62+0.5% Hist 90D α

Trajectory: C- (53) → C- (61)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LIFE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, LIFE faces multiple-compression risk if 39.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Priced at 40x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.11) or 200D SMA ($23.03) invalidates the momentum regime and cuts Target Base ($44.21) toward Bear Floor ($34.48).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LIFE• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LIFE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 61%NO 39%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How LIFE Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$34.7M (9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY24

Rev $254.9M

FY25

Rev $387.6M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$387.6M	52%	18.8%	$71.2M	$34.7M	95%
FY 2024	$254.9M	52%	19.1%	$48.8M	-$11.7M	95%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LIFE)

✓Walkthrough of LIFE's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

LIFE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +148.69%▲ ASCENDING CHANNEL

2026-10-30O $42.75H $44.33L $42.15C $43.62VOL 1.94M

RES: $47.10SUP: $24.16SMA50: $38.11SMA200: $23.03

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LIFE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LIFE Butterfly Map → + Track LIFE →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

30.3%/yr Implied 5Y Growth

vs. +52.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LIFE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LIFE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LIFE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LIFE)

Financials Rank #455 of 1096 ⚔️ NP vs LIFE Full Matrix →

1. Head-to-Head Financials Peer Comparison (LIFE vs. NP, CRVL, ARX, BWIN)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Ethos Technologies Inc. (Class A) (LIFE) ranks #455 by composite RQD confidence (61/100, grade C-) and #376 by equity capitalization ($2.83B). Within this direct 5-issuer industry benchmark cohort, CRVL leads on earnings valuation at 37.6x trailing P/E, while LIFE leads on capital efficiency and profitability with 40.6% ROIC and — gross margin. CRVL currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with LIFE at 61/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
LIFE ACTIVE Ethos Technologies Inc. (Class A)	C-	61/100	39.8x	—	40.6%	+1.85%	$2.83B	Benchmark Subject
NP Neptune Insurance Holdings Inc. (Class A)	D+	58/100	106.4x	—	28.2%	-2.27%	$3.98B	/np-vs-life →
CRVL CorVel Corp.	C	64/100	37.6x	—	29.4%	+0.75%	$4.15B	/crvl-vs-life →
ARX Accelerant Holdings (Class A)	D+	53/100	—	—	—	+0.05%	$4.30B	/arx-vs-life →
BWIN The Baldwin Insurance Group Inc.	D	46/100	—	—	3.6%	-0.38%	$4.44B	/bwin-vs-life →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001788451

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Ethos Technologies Inc. (Class A) (LIFE) reported GAAP revenue of $387.6M (+52.0% vs. FY2024 revenue of $254.9M ) , GAAP net income of $71.2M, operating cash flow of $36.2M, and free cash flow of $34.7M (+397.3% YoY). On the balance sheet, LIFE closed FY2025 with $515.3M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$387.6M	$71.2M	$36.2M	$34.7M	$515.3M	—
FY2024 (FY)	2024-12-31	$254.9M	$48.8M	-$10.9M	-$11.7M	$395.9M	—

3. LIFE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LIFE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Ethos Technologies Inc. (Class A) (NASDAQ: LIFE) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $43.62 (+1.85% 1D, market cap $2.83B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, LIFE ranks #455 in composite RQD confidence.

How does LIFE compare to NP and CRVL in the Financials sector?

Within the Financials sector (Specialty Insurers), LIFE carries a Roarable C- (61/100 RQD), trailing P/E of 39.8x, gross margin of —, and ROIC of 40.6%. By comparison, NP (Neptune Insurance Holdings Inc. (Class A)) holds a D+ grade (58/100 RQD, P/E 106.4x, ROIC 28.2%, cap $3.98B) and CRVL (CorVel Corp.) posts a C grade (64/100 RQD, P/E 37.6x, ROIC 29.4%, cap $4.15B). Among the 5-stock peer group, CRVL leads on earnings multiple (37.6x) while LIFE leads on capital efficiency (40.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LIFE?

Per LIFE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001788451), Ethos Technologies Inc. (Class A) generated $387.6M in revenue (+52.0% YoY), $71.2M in net income, and $34.7M in free cash flow against $515.3M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LIFE trading relative to its 50-day, 200-day, and 52-week technical levels?

LIFE last traded at $43.62 (+1.85% on volume of 798,380 shares), positioning the stock +14.46% above its 50-day simple moving average ($38.11) and +89.41% above its 200-day simple moving average ($23.03). Across its 52-week range of $9.45 to $44.99, LIFE sits at the 96.1% percentile with a 14-day RSI of 65.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($38.17 to $49.07).

LIFE Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Ethos Technologies Inc. (Class A) (LIFE)?

In FY 2025 (10-K), LIFE converted $387.6M of revenue into a 52% gross margin, 18.8% operating margin, and $34.7M in free cash flow (9% FCF margin).

Direct Sub-Reports: LIFE RQD Cockpit LIFE 12M Forecast LIFE Earnings & Move LIFE Dividends & DRIP LIFE Insiders & 13F LIFE Whale Options LIFE Profit Sankey LIFE News & Why