Ethos (LIFE)
Distributes life insurance through a digital platform, direct sales, and embedded partner channels.
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Offers U.S. life-insurance and estate-planning products through direct online sales and partner distribution. Fintech APIs and a data-driven underwriting engine support a digital purchase and policy-activation process.
Offers U.S. term and whole life insurance, indexed universal life, estate planning, and cancer insurance through a digital platform. The platform is built for a purchase process historically shaped by paperwork, calls, and waiting.
Consumers can buy directly online, while fintech partners, agents, and agencies use a third-party channel that embeds quotation, processing, and policy activation through APIs. A proprietary underwriting engine uses real-time data analytics to support faster decisions.
Founded in 2016, the organization operates across direct and partner distribution. Its business depends on insurance-carrier and agency relationships, agent adoption, marketing effectiveness, and platform availability.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 4, 2026 | Deutsche Bank | Reiterate | Rating: —Target: $30 | Target: $40 |
| Aug 4, 2026 | Robert W. Baird | Target | Target: $26 | Target: $32 |
| Aug 4, 2026 | Piper Sandler | Target | Target: $20 | Target: $37 |
| Aug 4, 2026 | William Blair | Target | Target: — | Target: $33 |
| Aug 4, 2026 | Goldman Sachs | Reiterate | Rating: —Target: $33 | Target: $35 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $168.3M · Total debt $20.0M · Total assets $696.1M · Shareholders' equity $476.2M
- Revenue
- $189.6M
- Operating income
- $18.1M
- Net income
- $19.5M
No dividends on record.
| Institutions | 61.97% | 39.04M shares | |
|---|---|---|---|
| 99 holders · as of Jun 30, 2026 | |||
| Insiders | 25.98% | 16.37M shares | |
| 3 holders · as of May 15, 2026 | |||
| Strategic holders | 4.97% | 3.13M shares | |
| 1 holder · as of May 15, 2026 | |||
| Other | 7.08% | 4.46M shares | |
| remainder | |||
62.99M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This company has 2 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Federated Hermes, Inc.Institution | 13.51% | 8.51M A | as of Jun 30, 2026 |
Peter George ColisInsider | 10.50% | 6.61M | filed May 15, 2026 |
Lingke WangInsider | 10.40% | 6.55M | filed May 15, 2026 |
Vanguard Capital Management LLCInstitution | 6.05% | 3.81M A | as of Jun 30, 2026 |
Gsa Capital Partners LLPInstitution | 5.48% | 3.45M A | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 28, 2026 | 2019 Gp L.l.c. Gv | 10 percent owner | −118,138 | $18.90 |
| Jul 27, 2026 | 2019 Gp L.l.c. Gv | 10 percent owner | −196,931 | $19.46 |
| Jul 24, 2026 | 2019 Gp L.l.c. Gv | 10 percent owner | −23,417 | $18.88 |
| Jul 23, 2026 | 2019 Gp L.l.c. Gv | 10 percent owner | −63,297 | $19.06 |
| Jul 22, 2026 | 2019 Gp L.l.c. Gv | 10 percent owner | −49,582 | $19.23 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Ethos | $35.91 | −1.59% | $2.32B | — | 35.0 | 3.9 | +113.4% |
| SelectQuote | $0.4506 | −5.65% | $84.2M | — | — | 0.1 | −6.8% |
| Lemonade | $46.83 | −2.15% | $3.68B | — | — | 3.9 | +79.4% |
| Primerica | $278.88 | −2.32% | $8.90B | 11.5 | 10.7 | 2.6 | +9.0% |
| Lincoln Financial | $41.02 | −1.58% | $7.98B | 3.5 | 5.0 | 0.4 | +21.2% |
| Brighthouse Financial | $48.88 | −1.93% | $2.86B | 3.9 | 2.5 | 0.5 | +166.5% |
| Corebridge Financial | $34.19 | −1.77% | $15.51B | 20.4 | 6.6 | 1.7 | +482.9% |
| Median | 7.7 | 5.8 | 1.1 | +50.3% |