LIFE (Ethos Technologies) EBIT: $-97.5 Mil (TTM As of Jun. 2026)

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LIFE Ethos Technologies Inc LIFE
22 GF Score
Price $39.08
! 4 Warning Signs
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What is Ethos Technologies EBIT?

Ethos Technologies LIFE -6.89% 22 EBIT is $-97.5 Mil as of Jun. 2026. GuruFocus rates LIFE with a GF Score™ of 22/100. The stock has 4 warning signs investors should review.

Ethos Technologies's earnings before interest and taxes (EBIT) for the three months ended in Jun. 2026 was $19.9 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jun. 2026 was $-97.5 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Ethos Technologies's annualized ROC % for the quarter that ended in Jun. 2026 was 17.62%. Ethos Technologies's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 643.38%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Ethos Technologies's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was -4.19%.

Ethos Technologies  (NAS:LIFE) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Ethos Technologies's annualized ROC % for the quarter that ended in Jun. 2026 is calculated as:

ROC % (Q: Jun. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Mar. 2026 ) + Invested Capital (Q: Jun. 2026 ))/ count )
=72.476 * ( 1 - 0% )/( (383.449 + 439.215)/ 2 )
=72.476/411.332
=17.62 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=619.364 - 131.52 - ( 144.601 - max(0, 154.957 - 259.352+144.601))
=383.449

Invested Capital(Q: Jun. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=696.084 - 153.913 - ( 168.319 - max(0, 199.045 - 302.001+168.319))
=439.215

Note: The Operating Income data used here is four times the quarterly (Jun. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Ethos Technologies's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Jun. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Mar. 2026  Q: Jun. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=79.744/( ( (12.18 + max(-39.077, 0)) + (12.609 + max(-64.332, 0)) )/ 2 )
=79.744/( ( 12.18 + 12.609 )/ 2 )
=79.744/12.3945
=643.38 %

where Working Capital is:

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(79.719 + 0 + 35.032) - (131.52 + 0 + 22.308)
=-39.077

Working Capital(Q: Jun. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(88.097 + 0 + 45.585) - (153.913 + 0 + 44.101)
=-64.332

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Jun. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Ethos Technologies's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Jun. 2026 )
=-97.535/2325.173
=-4.19 %

* 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.

Ethos Technologies EBIT Related Terms

Ethos Technologies EBIT Historical Data

* Premium members only.

The historical data trend for Ethos Technologies's EBIT 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.

Ethos Technologies EBIT Chart

Ethos Technologies Annual Data
Trend Dec23 Dec24 Dec25
EBIT
3.00 54.53 78.91

Ethos Technologies Quarterly Data
Dec23 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EBIT Get a 7-Day Free Trial 20.42 18.52 25.89 -161.88 19.94

LIFE vs GSHD, CRVL, ARX: EBIT Comparison

For the Insurance Brokers subindustry, Ethos Technologies's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Ethos Technologies's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Ethos Technologies's EV-to-EBIT falls into.


LIFE
22GF Score
Ethos Technologies Inc LIFE
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Ethos Technologies EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-97.5 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $-97.5 Mil mean?
Ethos Technologies (LIFE) has a EBIT of $-97.5 Mil as of Jun. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Ethos Technologies.
Is Ethos Technologies' EBIT too high?
Ethos Technologies' current EBIT is $-97.5 Mil. Overall, Ethos Technologies has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Ethos Technologies' EBIT compare to GSHD and CRVL?
Ethos Technologies' EBIT of $-97.5 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Ethos Technologies. Ethos Technologies's current EBIT is $-97.5 Mil. 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 EBIT of $-97.5 Mil. The current EBIT is $-97.5 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Ethos Technologies (LIFE), the current EBIT is $-97.5 Mil 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 Business Description

Address 90 New Montgomery Street, Suite 1500, San Francisco, CA, USA, 94105
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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EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.08
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