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Ethos TechnologiesLIFE -5.65%22 EV-to-OCF is 29.83 as of Sep. 09, 2026, which is 108% above its 10-year median of 14.36. GuruFocus rates LIFE with a GF Score™ of 22/100. The stock has 4 warning signs investors should review. Among 500 Insurance companies, Ethos Technologies ranks worse than 91.6% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Ethos Technologies's Enterprise Value is $2,358.3 Mil.
Ethos Technologies's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $79.1 Mil. Therefore, Ethos Technologies's EV-to-OCF for today is 29.83.
The historical rank and industry rank for Ethos Technologies's EV-to-OCF or its related term are showing as below:
LIFE'
s EV-to-OCF Range Over the Past 10 Years
Min: 7.57 Med: 14.36 Max: 32.74
Current: 29.83
During the past 3 years, the highest EV-to-OCF of Ethos Technologies was 32.74. The lowest was 7.57. And the median was 14.36.
LIFE's EV-to-OCF is ranked worse than 91.6% of 500
companies
in the Insurance industry
Industry Median: 6.285
vs LIFE: 29.83
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ethos Technologies's PE Ratio (TTM) for today is calculated as:
Ethos Technologies's share price for today is $39.60.
Ethos Technologies's Earnings per Share (Diluted) 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 $-2.623.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Ethos Technologies EV-to-OCF Related Terms
Ethos Technologies EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Ethos Technologies's EV-to-OCF 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.
For the Insurance Brokers subindustry, Ethos Technologies's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Ethos Technologies's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Ethos Technologies's EV-to-OCF falls into.
Ethos Technologies's current Enterprise Value is $2,358.3 Mil.
Ethos Technologies's Cash Flow from Operations 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 $79.1 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.
Ethos Technologies (LIFE) has a EV-to-OCF of 29.83 as of Sep. 09, 2026. This is 108% above median its historical median of 14.36. Over the past decade, Ethos Technologies' EV-to-OCF has ranged from 7.57 to 32.74. According to the industry distribution chart, Ethos Technologies ranks #458 out of 500 companies in the Insurance industry, placing it in the top 91.6%.
Is Ethos Technologies' EV-to-OCF too high?
Ethos Technologies' current EV-to-OCF of 29.83 is 108% above median its 10-year median of 14.36. Over the past 10 years, this metric has ranged from a low of 7.57 to a high of 32.74. The Insurance industry median EV-to-OCF is 6.29. Ethos Technologies' value of 29.83 is 374.6% above this industry median. Based on the distribution chart, Ethos Technologies ranks #458 out of 500 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' EV-to-OCF compare to GSHD and CRVL?
According to the Insurance industry distribution chart, Ethos Technologies ranks #458 out of 500 companies for EV-to-OCF. This places Ethos Technologies in the lower half of its industry. The industry median EV-to-OCF is 6.29. Ethos Technologies' value of 29.83 is 374.6% above this benchmark. Historically, Ethos Technologies' own EV-to-OCF has ranged from 7.57 to 32.74 over the past decade. While the company's 10-year median is 14.36 vs. the industry median of 6.29, Ethos Technologies has consistently been above 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 EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.29, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ethos Technologies's current EV-to-OCF of 29.83 is 374.6% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ethos Technologies's current EV-to-OCF is 29.83, which is 108% above median its own 10-year median of 14.36. 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 EV-to-OCF of 29.83. The current EV-to-OCF is 29.83, which is 108% above median its 10-year median of 14.36 and 374.6% above the Insurance industry median of 6.29. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Ethos Technologies (LIFE), the current EV-to-OCF is 29.83 as of Sep. 09, 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.
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