Ethos TechnologiesLIFE -4.02%21 EV-to-FCF is 34.16 as of Jun. 30, 2026, which is 67% above its 10-year median of 20.47. GuruFocus rates LIFE with a GF Score™ of 21/100. The stock has 1 warning sign investors should review. Among 396 Insurance companies, Ethos Technologies ranks worse than 89.39% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Ethos Technologies's Enterprise Value is $1,000.2 Mil.
Ethos Technologies's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $29.3 Mil. Therefore, Ethos Technologies's EV-to-FCF for today is 34.16.
The historical rank and industry rank for Ethos Technologies's EV-to-FCF or its related term are showing as below:
LIFE'
s EV-to-FCF Range Over the Past 10 Years
Min: 10.97 Med: 20.47 Max: 83.5
Current: 34.16
During the past 3 years, the highest EV-to-FCF of Ethos Technologies was 83.50. The lowest was 10.97. And the median was 20.47.
LIFE's EV-to-FCF is ranked worse than 89.39% of 396
companies
in the Insurance industry
Industry Median: 9.305
vs LIFE: 34.16
EV-to-FCF 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-FCF 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 $18.17.
Ethos Technologies's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-3.177.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Ethos Technologies EV-to-FCF Related Terms
Ethos Technologies EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Ethos Technologies's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Ethos Technologies's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Ethos Technologies's EV-to-FCF falls into.
Ethos Technologies's current Enterprise Value is $1,000.2 Mil.
Ethos Technologies's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $29.3 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-FCF of 34.16 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ethos Technologies and its competitors. This is 67% above median its historical median of 20.47. Over the past decade, Ethos Technologies' EV-to-FCF has ranged from 10.97 to 83.50. According to the industry distribution chart, Ethos Technologies ranks #354 out of 396 companies in the Insurance industry, placing it in the top 89.4%.
Is Ethos Technologies' EV-to-FCF too high?
Ethos Technologies' current EV-to-FCF of 34.16 is 67% above median its 10-year median of 20.47. Over the past 10 years, this metric has ranged from a low of 10.97 to a high of 83.50. The Insurance industry median EV-to-FCF is 9.31. Ethos Technologies' value of 34.16 is 267.1% above this industry median. Based on the distribution chart, Ethos Technologies ranks #354 out of 396 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Ethos Technologies has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Ethos Technologies' EV-to-FCF compare to GSHD and CRD.A?
According to the Insurance industry distribution chart, Ethos Technologies ranks #354 out of 396 companies for EV-to-FCF. This places Ethos Technologies in the lower half of its industry. The industry median EV-to-FCF is 9.31. Ethos Technologies' value of 34.16 is 267.1% above this benchmark. Historically, Ethos Technologies' own EV-to-FCF has ranged from 10.97 to 83.50 over the past decade. While the company's 10-year median is 20.47 vs. the industry median of 9.31, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.31, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ethos Technologies's current EV-to-FCF of 34.16 is 267.1% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ethos Technologies and its competitors. For the Insurance industry, the median EV-to-FCF is 9.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ethos Technologies's current EV-to-FCF is 34.16, which is 67% above median its own 10-year median of 20.47. 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-FCF of 34.16. The current EV-to-FCF is 34.16, which is 67% above median its 10-year median of 20.47 and 267.1% above the Insurance industry median of 9.31. Ethos Technologies' overall GF Score™ is 21/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Ethos Technologies (LIFE), the current EV-to-FCF is 34.16 as of Jun. 30, 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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