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Ethos TechnologiesLIFE -6.15%22 Gross Margin % is 97.88% as of Jun. 2026, which is 0% above its 10-year median of 97.44. GuruFocus rates LIFE with a GF Score™ of 22/100. The stock has 4 warning signs investors should review. Among 57 Insurance companies, Ethos Technologies ranks better than 96.49% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Ethos Technologies had a gross margin of 97.88% for the quarter that ended in Jun. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Ethos Technologies Gross Margin % Related Terms
Ethos Technologies Gross Margin % Historical Data
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The historical data trend for Ethos Technologies's Gross Margin % 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: Gross Margin % Comparison
For the Insurance Brokers subindustry, Ethos Technologies's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Ethos Technologies's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Ethos Technologies's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Ethos Technologies (LIFE) has a Gross Margin % of 97.88% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Ethos Technologies and its competitors. This is near median its historical median of 97.44. Over the past decade, Ethos Technologies' Gross Margin % has ranged from 96.31 to 98.26. According to the industry distribution chart, Ethos Technologies ranks #2 out of 57 companies in the Insurance industry, placing it in the top 3.5%.
Is Ethos Technologies' Gross Margin % too high?
Ethos Technologies' current Gross Margin % of 97.88% is near median its 10-year median of 97.44. Over the past 10 years, this metric has ranged from a low of 96.31 to a high of 98.26. The Insurance industry median Gross Margin % is 42.38. Ethos Technologies' value of 97.88% is 131% above this industry median. Based on the distribution chart, Ethos Technologies ranks #2 out of 57 companies in the Insurance industry, which is in the top quartile — a strong position 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' Gross Margin % compare to GSHD and CRVL?
According to the Insurance industry distribution chart, Ethos Technologies ranks #2 out of 57 companies for Gross Margin %. This places Ethos Technologies in the top 4% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 42.38. Ethos Technologies' value of 97.88% is 131% above this benchmark. Historically, Ethos Technologies' own Gross Margin % has ranged from 96.31 to 98.26 over the past decade. While the company's 10-year median is 97.44 vs. the industry median of 42.38, 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 Gross Margin % for an Insurance company?
The median Gross Margin % among Insurance companies is 42.38, based on 57 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ethos Technologies's current Gross Margin % of 97.88% is 131% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Ethos Technologies and its competitors. For the Insurance industry, the median Gross Margin % is 42.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ethos Technologies's current Gross Margin % is 97.88%, which is near median its own 10-year median of 97.44. 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 Gross Margin % of 97.88%. The current Gross Margin % is 97.88%, which is near median its 10-year median of 97.44 and 131% above the Insurance industry median of 42.38. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Ethos Technologies (LIFE), the current Gross Margin % is 97.88% 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.
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