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Ethos TechnologiesLIFE -5.78%22 Return-on-Tangible-Equity is 17.14% as of Jun. 2026. GuruFocus rates LIFE with a GF Score™ of 22/100. The stock has 4 warning signs investors should review. Among 490 Insurance companies, Ethos Technologies ranks worse than 98.16% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Ethos Technologies's annualized net income for the quarter that ended in Jun. 2026 was $78.1 Mil. Ethos Technologies's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $455.9 Mil. Therefore, Ethos Technologies's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 17.14%.
The historical rank and industry rank for Ethos Technologies's Return-on-Tangible-Equity or its related term are showing as below:
LIFE'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -51.08 Med: 0 Max: 0
Current: -51.08
LIFE's Return-on-Tangible-Equity is ranked worse than 98.16% of 490
companies
in the Insurance industry
Industry Median: 13.91
vs LIFE: -51.08
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Ethos Technologies Return-on-Tangible-Equity Related Terms
Ethos Technologies Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Ethos Technologies's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Insurance Brokers subindustry, Ethos Technologies's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Ethos Technologies's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Ethos Technologies's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 17.14% mean?
Ethos Technologies (LIFE) has a Return-on-Tangible-Equity of 17.14% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Ethos Technologies and its competitors. According to the industry distribution chart, Ethos Technologies ranks #481 out of 490 companies in the Insurance industry, placing it in the top 98.2%.
Is Ethos Technologies' Return-on-Tangible-Equity too high?
Ethos Technologies' current Return-on-Tangible-Equity is 17.14%. The Insurance industry median Return-on-Tangible-Equity is 13.91. Ethos Technologies' value of 17.14% is 23.2% above this industry median. Based on the distribution chart, Ethos Technologies ranks #481 out of 490 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' Return-on-Tangible-Equity compare to GSHD and CRVL?
According to the Insurance industry distribution chart, Ethos Technologies ranks #481 out of 490 companies for Return-on-Tangible-Equity. This places Ethos Technologies in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.91. Ethos Technologies' value of 17.14% is 23.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.91, based on 490 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ethos Technologies's current Return-on-Tangible-Equity of 17.14% is 23.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Ethos Technologies and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ethos Technologies's current Return-on-Tangible-Equity is 17.14%. 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 Return-on-Tangible-Equity of 17.14%. The current Return-on-Tangible-Equity is 17.14% and 23.2% above the Insurance industry median of 13.91. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Ethos Technologies (LIFE), the current Return-on-Tangible-Equity is 17.14% 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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