Ethos Technologies Inc.

Listed Company

LIFECIK 0001788451NasdaqNon-AcceleratedEmerging GrowthInsurance Agents, Brokers & ServiceDelawareFY ends Dec 31

Period

FY 2025

Revenue

$387.61M

Net Income

$71.15M

Total Assets

$515.34M

Equity

$-24.12M

Shares Out

16.65M

Op. Cash Flow

$36.23M

Business

Ethos Technologies Inc. is a publicly listed company in Insurance Agents, Brokers & Service, incorporated in Delaware. Common stock trades on Nasdaq under the ticker LIFE.

Auto-generated from company profile

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31
Commission	388	255
Total revenue	388	255
Sales and marketing	229	149
General and administrative	40	22
Technology (exclusive of amortization)	34	23
Cost of revenue	7	7
Depreciation and amortization	5	5
Total costs and expenses	315	206
Income from operations	73	49
Interest expense	−3	−595,000
Interest income	6	6
Other income, net	161,000	185,000
Total other income (expense), net	3	5
Net income before income tax expense	76	54
Income tax expense	−5	−5
Net income	71	49
Change in unrealized gain (loss) on marketable securities	253,000	−121,000
Unrealized foreign currency translation loss	−329,000	−199,000
Total other comprehensive income (loss)	−76,000	−320,000
Comprehensive income	71	49
Basic net income per share	4.31	3.05
Diluted net income per share	1.22	0.85
Weighted-average shares used in computing basic net income per share	16	16
Weighted-average shares used in computing diluted net income per share	58	58

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Cash and Cash Equivalent	91	35	—
Short Term Investments	35	68	—
Accounts receivable, net	36	30	—
Commissions receivable-current, net	29	15	—
Prepaid and other current assets	55	26	—
Total current assets	246	175	—
Commissions receivable, net	224	173	—
Property and equipment, net	8	7	—
Operating lease right-of-use assets	2	3	—
Goodwill	2	2	—
Acquired intangible assets, net of amortization	662,000	221,000	—
Long Term Investments	31	35	—
Other long-term assets	574,000	558,000	—
Total long-term assets	270	221	—
Total assets	515	396	—
Accounts Payable	55	24	—
Accrued expenses	39	19	—
Liabilities related to sale of commissions receivable-current	12	9	—
Operating lease liabilities-current	1	753,000	—
Other current liabilities	6	14	—
Total current liabilities	113	68	—
Liabilities related to sale of commissions receivable-non-current	13	24	—
Operating lease liabilities-non-current	1	2	—
Deferred tax liability	9	4	—
Other long-term liabilities	0	2	—
Total long-term liabilities	22	31	—
Total liabilities	135	99	—
Commitments and contingencies (Note 7)	—	—	—
Redeemable convertible preferred stock, par value $0.0001 - 37,400 and 37,228 shares authorized, 37,228 issued, and outstanding (liquidation preference of $404,801) as of December 31, 2025 and December 31, 2024	404	404	—
Common stock, $0.0001 par value, 1,040,000 and 62,390 shares authorized, 16,647 and 16,032 issued and outstanding at December 31, 2025 and December 31, 2024, respectively	2,000	2,000	—
Additional paid-in capital	79	67	—
Accumulated other comprehensive loss	−554,000	−478,000	—
Accumulated deficit	−103	−174	—
Total stockholders' deficit	−24	−107	−159
Total liabilities, redeemable convertible preferred stock and stockholders' deficit	515	396	—

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31
Net income	71	49
Total deferred expense	5	4
Depreciation and amortization	5	5
Non-cash interest expense	3	595,000
Accretion (amortization) of discounts and premium, investments	−1	−3
Stock-based compensation expense	11	3
Operating lease right-of-use asset amortization	903,000	42,000
Unrealized foreign currency translation	−303,000	−199,000
Prepaid and other assets	−21	−24
Accounts payable	31	13
Accounts receivable	−11	−14
Commissions receivable	−14	−9
Long-term commissions receivable	−51	−54
Accrued expenses	19	7
Other current liabilities	−9	12
Other long-term liabilities	−2	−1
Net cash provided by (used in) operating activities	36	−11
Purchase of property and equipment	−1	−776,000
Purchase of domain name	−500,000	−250,000
Purchase of investments	−67	−155
Proceeds from maturity of investments	100	145
Sales of investments	5	13
Investment in software development costs	−4	−4
Net cash provided by (used in) investing activities	32	−896,000
Proceeds from liabilities related to sale of commissions receivable	5	24
Repayment of liabilities related to sale of commissions receivable	−12	−2
Proceeds from exercise of stock options and warrants	1	209,000
Payment of deferred offering costs	−6	0
Net cash provided by (used in) financing activities	−12	22
Net increase in cash and cash equivalents	56	10
Effect of exchange rates on cash	−27,000	2,000
Capitalized Property And Equipment Costs In Accounts Payable	26,000	44,000
Cash paid for income taxes	2	517,000
Operating lease liabilities arising from obtaining operating lease right-of-use assets	596,000	3
Stock-based compensation capitalized as software development costs	305,000	143,000
Deferred offering costs in accounts payable and accrued expenses	1	0

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