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Ethos TechnologiesLIFE -6.15%22 Debt-to-EBITDA is 0.02 as of Jun. 2026, which is 50% below its 10-year median of 0.04. GuruFocus rates LIFE with a GF Score™ of 22/100. The stock has 4 warning signs investors should review. Among 316 Insurance companies, Ethos Technologies ranks worse than 316455.38% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Ethos Technologies's Debt-to-EBITDA or its related term are showing as below:
LIFE'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.02 Med: 0.04 Max: 0.09
Current: -0.02
During the past 3 years, the highest Debt-to-EBITDA Ratio of Ethos Technologies was 0.09. The lowest was -0.02. And the median was 0.04.
LIFE's Debt-to-EBITDA is ranked worse than 100% of 316
companies
in the Insurance industry
Industry Median: 1.23
vs LIFE: -0.02
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Ethos Technologies Debt-to-EBITDA Related Terms
Ethos Technologies Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Ethos Technologies's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LIFE vs GSHD, CRVL, ARX: Debt-to-EBITDA Comparison
For the Insurance Brokers subindustry, Ethos Technologies's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ethos Technologies Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Ethos Technologies's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Ethos Technologies's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Ethos Technologies (LIFE) has a Debt-to-EBITDA of 0.02 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Ethos Technologies. This is 50% below median its historical median of 0.04. According to the industry distribution chart, Ethos Technologies ranks #999999 out of 316 companies in the Insurance industry.
Is Ethos Technologies' Debt-to-EBITDA too high?
Ethos Technologies' current Debt-to-EBITDA of 0.02 is 50% below median its 10-year median of 0.04. The Insurance industry median Debt-to-EBITDA is 1.23. Ethos Technologies' value of 0.02 is 98.4% below this industry median. Based on the distribution chart, Ethos Technologies ranks #999999 out of 316 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Ethos Technologies has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Ethos Technologies' Debt-to-EBITDA compare to GSHD and CRVL?
According to the Insurance industry distribution chart, Ethos Technologies ranks #999999 out of 316 companies for Debt-to-EBITDA. This places Ethos Technologies in the lower half of its industry. The industry median Debt-to-EBITDA is 1.23. Ethos Technologies' value of 0.02 is 98.4% below this benchmark. While the company's 10-year median is 0.04 vs. the industry median of 1.23, Ethos Technologies has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.23, based on 316 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ethos Technologies's current Debt-to-EBITDA of 0.02 is 98.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Ethos Technologies. For the Insurance industry, the median Debt-to-EBITDA is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ethos Technologies's current Debt-to-EBITDA is 0.02, which is 50% below median its own 10-year median of 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ethos Technologies stock overvalued right now?
Ethos Technologies (LIFE) has a current Debt-to-EBITDA of 0.02. The current Debt-to-EBITDA is 0.02, which is 50% below median its 10-year median of 0.04 and 98.4% below the Insurance industry median of 1.23. Ethos Technologies' overall GF Score™ is 22/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Ethos Technologies (LIFE), the current Debt-to-EBITDA is 0.02 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Ethos Technologies Inc operates a technology-driven, direct-to-consumer platform for the distribution of life insurance products. Through its digital underwriting, data analytics, and proprietary technology, it enables consumers to explore, compare, and purchase life insurance policies online. The platform serves consumers, agents, and insurance carriers, and supports the application and policy issuance process through an online interface. The company works with insurance carriers to offer life insurance products in the United States through digital channels and independent agents. It generates revenue through commissions paid by carriers from policies activated and sold through its platform as well as from the provision of third-party administrator services for such policies.
22GF Score
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