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25

LIFE

๐Ÿฆ Financial Services

Ethos Technologies Inc.

Conservative #1178Aggressive #1229Moderate Risk
$12.35+0.57%
Day High$12.60
Day Low$11.50
Volume0.4M
Mkt Cap$776M
52W Low $952W High $19
Market Cap
$758M
P/E Ratio
N/A
Rev Growth
N/A
Sector avg: 13.4%
Earnings Growth
N/A
Profit Margin
1844.4%
Sector avg: -2.8%
Debt/Equity
0.15

Why This Score

LIFE scores 25.8 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • High net margin of 1844.4%, indicating pricing power and operational efficiency.
  • High conviction (82/100) โ€” fundamental and ML signals agree on this stock.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 2-point penalty for execution risk.
  • Signal divergence: Fundamental and ML signals disagree by a significant margin, reducing confidence.
  • Above-average volatility (20.0%) may not suit conservative risk tolerance.

Net penalties of -17.1 points significantly impact the ranking. Without these adjustments, LIFE would rank considerably higher.

Score Breakdown

Overall Score25.8
Fundamental Score45.9
ML Score5.0

Score by Horizon

3 Month
31.5
6 Month
35.2
Primary
1 Year
37.1

Quality Assessment

D
Quality Grade
Below average quality โ€” weak profitability or high leverage
Speculative Classification
Anomalous margin data โ€” extreme values suggest one-time events or accounting irregularities.
Conservative score reduced by 4 points.

Position Sizing

Suggested Allocation
4%
Confidence
medium

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
50
Basing
Sentiment (2.5%)
63
Positive
Analyst (6.4%)
54
Neutral
Tradability (post-hoc)
60
Grade Blow float
Base
31.7
SHAP
-3.6
Factors
+0.1
Conviction
+1.4
Divergence
-3.9
Final
25.8
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

43AVG
Value50
Quality33
Growth50
Stability73
Investment9

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)66.0
Technical (Momentum, Weinstein, Volatility)52.0
External (Sentiment, Analyst, Macro)79.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage71%

Growth Estimates

Short-term
-6.3% to -1.5%
Medium-term
-9.0% to -1.8%
Long-term
-11.7% to -2.2%

ML Model Core Features100 trained inputs โ†’ ML Score: 5

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score53.8/100
Target Upside+107.2%
Coverage20 analysts
Market Sentiment
Sentiment Score62.8/100
News Volume1 articles
Technical Stage
Weinstein Stage1 โ€” Basing
Volatility+0.2%
Momentum & Technical
Momentum Acceleration+0.0%
Momentum ConsistencyDivergent (0.00)
Relative Strength vs Sector-8.9%
Trend Strength (ADX Proxy)Weak (0.0)
Momentum Quality+0.000
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
1%
Low risk
Sector RevGr Rank
P40
Revenue growth vs Financial Services peers
Sector PE Rank
P26
Valuation vs Financial Services peers
Sector FCF Rank
P4
Free cash flow vs Financial Services peers
Growth Deviation
-0.1ฯƒ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 46 relative to sector peers46/100
Machine learning ensemble ranks this stock at the 5th percentileP5
Blended score: 80% fundamental (46) + 20% ML (5) = 37.737.7
Risk assessment: low. Low vol 0.2%Low
Earnings quality grade D: weak earnings quality, multiple concerns. Score adjusted by 0 pointsGrade D
Conviction adj: +1.4pt (conviction=N/A)Conviction
Divergence penalty: -3.9pt (ML 41pt lower)Divergence
Risk Factors
Speculative: ANOMALY_MARGIN (4.0pt penalty)Speculative
Liquidity penalty: -2.0pt (grade B)Liquidity

Sector Peer Comparison(Financial Services โ€” Rank #292 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
LIFE25.8N/AN/A1844.4%$758M
CME86.427.29.9%57.5%$114.0B
FHB84.911.83.2%24.2%$3.1B
ACT84.58.92.4%54.6%$6.1B
CINF84.210.711.4%18.9%$25.4B
SEIC82.214.010.7%27.3%$9.9B
TROW79.910.13.1%28.5%$20.5B
QQQX79.710.448.6%257.3%$1.4B
IBOC78.210.67.5%40.1%$4.2B
HWC77.812.2-1.5%24.1%$5.6B
FFIN77.518.811.7%30.7%$4.7B
TRMK77.111.934.8%19.3%$2.6B
NMIH77.17.78.4%55.1%$3.0B
EWBC76.712.74.6%28.3%$15.3B
WSFS76.312.8-3.1%21.1%$3.5B
MCHB76.1N/A123.7%23.2%$3.1B
Sector Average47.526.813.4%-2.8%โ€”

Company Overviewvia FMP

Ethos Technologies Inc. provides third-party administrator services for insurance policies in United States, India, and Singapore. The company offers Ethos, a three-sided technology platform that transforms the buying, selling, and risk management experience of life insurance for consumers, agents, and carriers. Its products include term life insurance, whole life insurance policies, and indexed universal life insurance. The company also provides wills and estate planning; and supplemental health insurance products. It serves consumers, agents, and agencies and carriers. The company was formerly known as Ethos Insurance Corporation and changed its name to Ethos Technologies Inc. in August 2016. The company was incorporated in 2016 and is based in San Francisco, California.

CEO
Peter George Colis
Employees
548
Beta
0.00
Industry
Insurance - Life

Technical Picturecomputed from daily prices

RSI (14)
46.2
Neutral
Trend
N/A
10-day vs 50-day MA
From 52W High
-35%
High: $19
From 52W Low
+30.7%
Low: $9.45
Moving Averages
10-Day
$11.20
Above
20-Day
$11.70
Above
50-Day
N/A
200-Day
N/A
60-Day Support
$9.45
60-Day Resistance
$19

Entry & Exit Zones

Avoid
No Entry
โ€”
Insufficient technical data
Exit Target
โ€”
โ€”
Stop Level
โ€”
โ€”

Not enough price history to compute reliable entry and exit zones for this stock.

Technical zones only โ€” derived from moving averages and price structure. Not financial advice. Past technical patterns do not guarantee future performance.

Why This Stock

Financial ServicesProfit margin 1844.4%

Tradability FilterGrade B โ€” 60/100Score impact: -6.7pt

Volume
98
952K avg/day
Dollar Vol
61
$10M/day
Float
1
5M shares
Mkt Cap
34
$758M
Range
100
101% spread
Composite Liquidity Score60/100
FDCBA
low float

Growth Projection Adjustment

0.7x dampening
weinstein basing

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
8.5%
Outstanding Shares
63M
Bid-Ask Spread
101.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.