Ethos Technologies (LIFE)
Market Price (8/24/2026): $34.15 | Market Cap: $2.2 BilSector: Financials | Industry: Insurance Brokers
Ethos Technologies (LIFE)
Market Price (8/24/2026): $34.15Market Cap: $2.2 BilSector: FinancialsIndustry: Insurance Brokers
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Insurance Platforms, and AI for Underwriting & Risk Management. | Trading close to highsDist 52W High is -2.9%, Dist 3Y High is -2.9% | Not profitable at operating income levelOp Inc LTMOperating Income, Last Twelve Months is -104 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -18% Stock price has recently run up significantly6M Rtn6 month market price return is 216%, 12M Rtn12 month market price return is 539% Significant share based compensationSBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 35% Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 234% Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -9.3% High stock price volatilityVol 12M is 1947% Key risksLIFE key risks include [1] high revenue concentration from its limited number of insurance carrier partners and [2] the vulnerability of its data-intensive, Show more. |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Insurance Platforms, and AI for Underwriting & Risk Management. |
| Trading close to highsDist 52W High is -2.9%, Dist 3Y High is -2.9% |
| Not profitable at operating income levelOp Inc LTMOperating Income, Last Twelve Months is -104 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -18% |
| Stock price has recently run up significantly6M Rtn6 month market price return is 216%, 12M Rtn12 month market price return is 539% |
| Significant share based compensationSBC/Rev LTMShare Based Compensation / Revenue (Sales), Last Twelve Months (LTM) is 35% |
| Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 234% |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -9.3% |
| High stock price volatilityVol 12M is 1947% |
| Key risksLIFE key risks include [1] high revenue concentration from its limited number of insurance carrier partners and [2] the vulnerability of its data-intensive, Show more. |
Qualitative Assessment
AI Analysis | Feedback
Updated on 8/21/2026
Ethos Technologies (LIFE) stock has gained about 95% since 4/30/2026 because of the following key factors:
1. Ethos Technologies (LIFE) reported exceptional financial results for fiscal Q2 2026, which ended June 30, 2026. The company's revenue surged 113% year-over-year to $189.6 million, significantly surpassing the consensus estimate of $117.32 million. Concurrently, Non-GAAP EPS reached $0.53, beating analyst expectations by $0.25. Adjusted EBITDA also demonstrated strong performance at $35.2 million, marking the second consecutive quarter of over 100% year-over-year growth.
2. The company provided a significantly raised full-year 2026 guidance following its robust Q2 2026 performance. Ethos Technologies increased its full-year 2026 revenue guidance to between $727 million and $731 million, a substantial increase from the prior outlook of $561 million to $565 million, and well above the consensus estimate of $568.37 million. Full-year adjusted EBITDA guidance was also elevated to a range of $119 million to $123 million.
Show more
Ethos Technologies (LIFE) stock has gained about 95% since 4/30/2026 because of the following key factors:
1. Ethos Technologies (LIFE) reported exceptional financial results for fiscal Q2 2026, which ended June 30, 2026. The company's revenue surged 113% year-over-year to $189.6 million, significantly surpassing the consensus estimate of $117.32 million. Concurrently, Non-GAAP EPS reached $0.53, beating analyst expectations by $0.25. Adjusted EBITDA also demonstrated strong performance at $35.2 million, marking the second consecutive quarter of over 100% year-over-year growth.
2. The company provided a significantly raised full-year 2026 guidance following its robust Q2 2026 performance. Ethos Technologies increased its full-year 2026 revenue guidance to between $727 million and $731 million, a substantial increase from the prior outlook of $561 million to $565 million, and well above the consensus estimate of $568.37 million. Full-year adjusted EBITDA guidance was also elevated to a range of $119 million to $123 million.
Show more
Updated on 8/21/2026
Ethos Technologies (LIFE) stock has gained about 95% since 4/30/2026 because of the following key factors:
1. Ethos Technologies (LIFE) reported exceptional financial results for fiscal Q2 2026, which ended June 30, 2026. The company's revenue surged 113% year-over-year to $189.6 million, significantly surpassing the consensus estimate of $117.32 million. Concurrently, Non-GAAP EPS reached $0.53, beating analyst expectations by $0.25. Adjusted EBITDA also demonstrated strong performance at $35.2 million, marking the second consecutive quarter of over 100% year-over-year growth.
2. The company provided a significantly raised full-year 2026 guidance following its robust Q2 2026 performance. Ethos Technologies increased its full-year 2026 revenue guidance to between $727 million and $731 million, a substantial increase from the prior outlook of $561 million to $565 million, and well above the consensus estimate of $568.37 million. Full-year adjusted EBITDA guidance was also elevated to a range of $119 million to $123 million.
3. Ethos Technologies' Board of Directors authorized a new $100 million share repurchase program. Announced on August 3, 2026, this program for Class A common stock demonstrates management's confidence in the company's valuation and financial strength, providing a potential catalyst for stock appreciation.
4. Positive analyst sentiment and upgraded price targets contributed to the stock's upward trend. Following the strong Q2 2026 earnings and optimistic guidance, several Wall Street firms reiterated "Buy" ratings and significantly raised their price targets. For example, Barclays increased its target to $37.00 from $27.00, while Citigroup and Citizens both moved their targets to $33.00 from $27.00, and Baird raised its target to $32.00 from $26.00 on August 4, 2026.
Show less
Ethos Technologies (LIFE) stock has gained about 95% since 4/30/2026 because of the following key factors:
1. Ethos Technologies (LIFE) reported exceptional financial results for fiscal Q2 2026, which ended June 30, 2026. The company's revenue surged 113% year-over-year to $189.6 million, significantly surpassing the consensus estimate of $117.32 million. Concurrently, Non-GAAP EPS reached $0.53, beating analyst expectations by $0.25. Adjusted EBITDA also demonstrated strong performance at $35.2 million, marking the second consecutive quarter of over 100% year-over-year growth.
2. The company provided a significantly raised full-year 2026 guidance following its robust Q2 2026 performance. Ethos Technologies increased its full-year 2026 revenue guidance to between $727 million and $731 million, a substantial increase from the prior outlook of $561 million to $565 million, and well above the consensus estimate of $568.37 million. Full-year adjusted EBITDA guidance was also elevated to a range of $119 million to $123 million.
3. Ethos Technologies' Board of Directors authorized a new $100 million share repurchase program. Announced on August 3, 2026, this program for Class A common stock demonstrates management's confidence in the company's valuation and financial strength, providing a potential catalyst for stock appreciation.
4. Positive analyst sentiment and upgraded price targets contributed to the stock's upward trend. Following the strong Q2 2026 earnings and optimistic guidance, several Wall Street firms reiterated "Buy" ratings and significantly raised their price targets. For example, Barclays increased its target to $37.00 from $27.00, while Citigroup and Citizens both moved their targets to $33.00 from $27.00, and Baird raised its target to $32.00 from $26.00 on August 4, 2026.
Show less
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →
Stock Movement Drivers
Fundamental Drivers
The 94.8% change in LIFE stock from 4/30/2026 to 8/23/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.| (LTM values as of) | 4302026 | 8232026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.54 | 34.16 | 94.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 388 | � | 0.0% |
| Net Income Margin (%) | 18.4% | � | 0.0% |
| P/E Multiple | 15.4 | � | 0.0% |
| Shares Outstanding (Mil) | 63 | 63 | 0.0% |
| Cumulative Contribution | 0.0% |
Market Drivers
4/30/2026 to 8/23/2026| Return | Correlation | |
|---|---|---|
| LIFE | 94.8% | |
| Market (SPY) | 6.5% | 18.0% |
| Sector (XLF) | 10.3% | -3.7% |
Fundamental Drivers
The 127.0% change in LIFE stock from 1/31/2026 to 8/23/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.| (LTM values as of) | 1312026 | 8232026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.05 | 34.16 | 127.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | � | � | 0.0% |
| Net Income Margin (%) | � | � | 0.0% |
| P/E Multiple | � | � | 0.0% |
| Shares Outstanding (Mil) | 63 | 63 | 0.0% |
| Cumulative Contribution | 0.0% |
Market Drivers
1/31/2026 to 8/23/2026| Return | Correlation | |
|---|---|---|
| LIFE | 127.0% | |
| Market (SPY) | 11.0% | 26.4% |
| Sector (XLF) | 8.1% | 15.2% |
Fundamental Drivers
nullnull
Market Drivers
7/31/2025 to 8/23/2026| Return | Correlation | |
|---|---|---|
| LIFE | 623.7% | |
| Market (SPY) | 22.2% | -1.8% |
| Sector (XLF) | 11.1% | 8.6% |
Fundamental Drivers
nullnull
Market Drivers
7/31/2023 to 8/23/2026| Return | Correlation | |
|---|---|---|
| LIFE | 1642.9% | |
| Market (SPY) | 73.2% | 0.3% |
| Sector (XLF) | 70.0% | 5.0% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| LIFE Return | 93% | -71% | -36% | 157% | -77% | 3965% | 764% |
| Peers Return | -27% | -64% | 67% | 74% | -9% | -27% | -50% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 103% |
Monthly Win Rates [3] | |||||||
| LIFE Win Rate | 50% | 33% | 33% | 67% | 58% | 62% | |
| Peers Win Rate | 45% | 30% | 58% | 53% | 50% | 45% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| LIFE Max Drawdown | -55% | -73% | -57% | -29% | -90% | -50% | |
| Peers Max Drawdown | -59% | -72% | -42% | -42% | -51% | -53% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: SLQT, EHTH, GSHD, LMND, PRU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 8/21/2026 (YTD)
How Low Can It Go
| Event | LIFE | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -38.4% | -18.8% |
| % Gain to Breakeven | 62.2% | 23.1% |
| Time to Breakeven | 55 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -43.4% | -9.5% |
| % Gain to Breakeven | 76.6% | 10.5% |
| Time to Breakeven | 86 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -21.8% | -6.7% |
| % Gain to Breakeven | 27.9% | 7.1% |
| Time to Breakeven | 20 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -68.6% | -24.5% |
| % Gain to Breakeven | 218.1% | 32.4% |
| Time to Breakeven | 1193 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -48.5% | -33.7% |
| % Gain to Breakeven | 94.0% | 50.9% |
| Time to Breakeven | 95 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -51.5% | -19.2% |
| % Gain to Breakeven | 106.3% | 23.8% |
| Time to Breakeven | 1007 days | 105 days |
In The Past
Ethos Technologies's stock fell -38.4% during the 2025 US Tariff Shock. Such a loss loss requires a 62.2% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
| Event | LIFE | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -38.4% | -18.8% |
| % Gain to Breakeven | 62.2% | 23.1% |
| Time to Breakeven | 55 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -43.4% | -9.5% |
| % Gain to Breakeven | 76.6% | 10.5% |
| Time to Breakeven | 86 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -21.8% | -6.7% |
| % Gain to Breakeven | 27.9% | 7.1% |
| Time to Breakeven | 20 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -68.6% | -24.5% |
| % Gain to Breakeven | 218.1% | 32.4% |
| Time to Breakeven | 1193 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -48.5% | -33.7% |
| % Gain to Breakeven | 94.0% | 50.9% |
| Time to Breakeven | 95 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -51.5% | -19.2% |
| % Gain to Breakeven | 106.3% | 23.8% |
| Time to Breakeven | 1007 days | 105 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -33.4% | -3.7% |
| % Gain to Breakeven | 50.2% | 3.9% |
| Time to Breakeven | 30 days | 6 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -31.0% | -17.9% |
| % Gain to Breakeven | 44.8% | 21.8% |
| Time to Breakeven | 484 days | 123 days |
In The Past
Ethos Technologies's stock fell -38.4% during the 2025 US Tariff Shock. Such a loss loss requires a 62.2% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Ethos Technologies (LIFE)
Ethos Technologies (symbol: LIFE) operates a three-sided technology platform dedicated to modernizing and democratizing access to life insurance. The company tackles the persistent challenges within the traditional life insurance sector, where consumers face slow and complex processes, agents grapple with disparate technologies and lengthy sales cycles, and carriers rely on outdated, analog underwriting. Ethos’s mission is to transform the entire experience of buying, selling, and managing life insurance.
The company provides distinct value propositions to each of its primary constituents. For consumers, Ethos offers a 100% digital application and underwriting process, featuring transparent pricing, a few health questions powered by its proprietary engine, and rapid policy decisions, often in minutes, without the need for medical exams. Agents are equipped with an all-in-one Agent Operating System (Agent OS) that streamlines quoting, application submissions, policy management, and payments, significantly increasing their time available for sales. Carriers benefit by expanding their market reach and optimizing risk selection and profitability, with Ethos explicitly stating it does not assume balance sheet risk for the policies on its platform.
Ethos Technologies serves the extensive U.S. life insurance market, connecting a growing ecosystem of consumers, agents, and carriers. The company has demonstrated substantial growth, having activated over 500,000 policies since inception. As of September 30, 2025, its platform supported over 10,000 active selling agents and several active carriers, leveraging strong network effects to drive its continued expansion within the financial security industry.
AI Analysis | Feedback
Here are 1-2 brief analogies to describe Ethos Technologies:
- Shopify for life insurance agents: Ethos provides an "Agent OS" and tools that empower independent insurance agents to efficiently sell policies, manage clients, and streamline their business, much like Shopify enables e-commerce entrepreneurs.
- Expedia for life insurance: Ethos's platform simplifies the process for consumers to find, compare, and purchase life insurance with digital applications and quick decisions, similar to how Expedia simplifies booking travel from various providers.
AI Analysis | Feedback
- Digital Life Insurance Platform: A consumer-facing platform enabling fast, 100% digital application and underwriting for purchasing life insurance.
- Agent Operating System (Agent OS): An all-in-one technology platform for agents to streamline quoting, application submission, and policy management, enhancing their sales efficiency.
- Carrier Technology & Services: A platform that helps life insurance carriers expand their consumer and agent reach while optimizing risk selection and profitability.
AI Analysis | Feedback
The major customers of Ethos Technologies (symbol: LIFE) are life insurance carriers.
Ethos operates a three-sided technology platform that provides significant value to consumers, agents, and carriers. However, its primary business model and customer relationship are with the life insurance carriers. Ethos helps these carriers expand their consumer and agent reach, optimize risk selection, and improve profitability through its digital application and underwriting technology. Ethos explicitly states that it does not assume balance sheet risk for the policies on its platform, indicating that the carriers are the entities issuing the policies and taking on the financial risk, making them the direct recipients of Ethos's technology and services.
The provided background information indicates that Ethos had "several active carriers on our platform" as of September 30, 2025, but it does not list the specific names of these customer companies or their symbols.
AI Analysis | Feedback
null
AI Analysis | Feedback
Peter Colis - Co-Founder, CEO
Prior to co-founding Ethos to make life insurance more accessible and affordable, Peter Colis was the CEO of Ovid Corp., an insurance auction platform that was acquired in 2019. He co-founded Ethos with Lingke Wang in 2016.
Chris Capozzi - Chief Financial Officer
Chris Capozzi leads Finance, Legal, and Human Resources at Ethos. He previously held executive leadership positions including Partner and CFO at Quiet Capital, COO and CFO at Achieve, and Chief Risk Officer at General Electric.
Lingke Wang - Co-founder, President
As Co-founder and President of Ethos, Lingke Wang oversees the technology and insurance teams. He co-founded Ethos with Peter Colis in 2016 and was also a co-founder of Ovid Corp.
Vipul Sharma - Chief Technology Officer
Vipul Sharma has served as Chief Technology Officer at Ethos since July 2021.
Erin Lantz - Chief Revenue Officer
Erin Lantz brings years of experience building and scaling businesses at leading real estate and financial services organizations, including Zillow Group and BofA.
AI Analysis | Feedback
Ethos Technologies (symbol: LIFE) faces several key risks inherent to its business model and the industry it operates within:
- Reliance on Carrier Partnerships and the Efficacy of its Proprietary Underwriting Engine: Ethos's core business relies on its ability to partner with and retain life insurance carriers, as it does not assume the balance sheet risk of the policies on its platform. Its value proposition to these carriers hinges on optimizing risk selection and profitability, which is driven by its proprietary underwriting engine and digital processes that provide decisions in minutes. A significant risk is that carriers may lose confidence in the accuracy or effectiveness of Ethos's underwriting engine, leading to higher-than-expected claims or a perception of suboptimal risk selection. Such a development, or the termination of partnerships for other reasons, could severely impact Ethos's ability to facilitate policy sales and generate revenue.
- Competition and Market Adoption in a Traditionally Analog Industry: Ethos aims to transform a life insurance market characterized by slow, complex, and opaque processes, where technology has not significantly improved the experience for decades. While the company offers a 100% digital application and underwriting process, it faces the ongoing challenge of widespread market adoption by consumers and agents who may be resistant to change. Despite the acknowledged need for life insurance, a significant portion of American adults still do not purchase it due to factors like perceived complexity and cost. Ethos could also face increasing competition from existing legacy carriers that modernize their own technology platforms or from new entrants with similar disruptive models, potentially limiting its growth and market share.
AI Analysis | Feedback
null
AI Analysis | Feedback
The addressable market for Ethos Technologies' main product, life insurance, is the United States life insurance market. This market was estimated to be approximately USD 1.93 trillion in 2024. It is projected to grow to around USD 4.74 trillion by 2034, with a compound annual growth rate (CAGR) of 9.40% from 2025 to 2034.
Ethos Technologies targets the U.S. market, where a significant need for a new approach to life insurance exists. In 2024, 42% of American adults recognized their need for life insurance but did not purchase it due to factors such as product complexity and perceived cost. An estimated 102 million adults in the U.S. are uninsured or underinsured and acknowledge a need for greater life insurance coverage. This includes 50 million middle-income Americans with a coverage gap and 54 million women reporting insufficient coverage. Households earning less than US$50,000 annually are also highly likely to express a need for life insurance.
AI Analysis | Feedback
Ethos Technologies (symbol: LIFE) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Expansion of its Agent and Consumer Network: Ethos aims to scale its network of active selling agents and consumers to increase activated policies and market penetration. As of September 30, 2025, the company had over 10,000 active selling agents and had activated over 500,000 policies, with management emphasizing continued growth in both these channels.
- Continuous Platform Innovation and AI/Machine Learning Integration: The company plans to continuously innovate its platform to enhance risk management, agent tools, and the overall customer experience. Management has specifically highlighted artificial intelligence (AI) as a core driver of future growth and efficiency, particularly in distribution, underwriting, and operations.
- Expansion of Carrier Partnerships and Product Portfolio: Ethos intends to build strategic partnerships with additional carriers and expand its product offerings. Recent examples include launching an accumulation indexed universal life product and a cancer insurance product with new partners. This strategy aims to broaden the addressable market and increase average revenue per user.
- Strategic Mergers & Acquisitions (M&A): Ethos' growth strategy also includes potential acquisitions or investments in complementary businesses, products, or technologies, with IPO proceeds providing flexibility for such opportunistic M&A activities.
AI Analysis | Feedback
Share Issuance
- Ethos Technologies Inc. made its public debut on the NASDAQ on January 29, 2026, by offering 10.5 million shares at $19 each.
- The company's Initial Public Offering (IPO) raised a total of $200 million.
- Ethos Technologies received approximately $97 million in gross proceeds from the sale of its shares in the IPO.
Inbound Investments
- In July 2021, Ethos raised $100 million in its Series D-1 funding round, achieving a post-money valuation of $2.7 billion.
- Prior to its IPO, Ethos Technologies had raised a total of $416 million in venture funding.
- Significant investors in the company have included Sequoia Capital, Accel, GV (Alphabet's venture arm), SoftBank, and General Catalyst.
Peer Outperformance in Insurance Brokers
LIFE has outperformed 100% of its 14 Insurance Brokers peers over 5Y. Insurance Brokers ranks 10th of 18 industries in Financials by median 5Y return. The sector’s gains have largely come from elsewhere.
Share of Insurance Brokers constituents that LIFE has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
100%
of 15 industry peers · 538.5% return
3Y
100%
of 14 industry peers · 1756.5% return
5Y
100%
of 14 industry peers · 571.1% return
No Insurance Brokers peer with a comparable growth profile has beaten LIFE by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Insurance Brokers is LIFE's own industry. Use this to see which corners of the sector have carried the returns.
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Investment Banking & Brokerage | 13 | 5.7% | 134.1% | 133.9% | IBKR 512% · SNEX 252% · GS 187% |
| Reinsurance | 6 | 19.3% | 80.7% | 117.8% | SPNT 140% · MTG 130% · RGA 128% |
| Diversified Banks | 12 | 37.4% | 131.6% | 101.7% | JPM 153% · CM 148% · RY 135% |
| Life & Health Insurance | 19 | 11.2% | 56.2% | 84.8% | UNM 285% · FG 197% · MFC 172% |
| Regional Banks | 263 | 25.9% | 86.0% | 64.5% | GCBC 395% · ESQ 364% · NBN 297% |
| Property & Casualty Insurance | 42 | 11.1% | 74.2% | 63.8% | ASIC 2583900% · HRTG 433% · UVE 278% |
| Multi-line Insurance | 9 | 13.5% | 78.4% | 57.8% | GNW 176% · L 101% · SLF 86% |
| Consumer Finance | 30 | 10.1% | 87.8% | 34.4% | ENVA 660% · EZPW 391% · FCFS 185% |
| Multi-Sector Holdings | 6 | 1.4% | 16.7% | 33.9% | JEF 78% · BRK-B 73% · VOYA 66% |
| Insurance Brokers ← | 15 | -9.5% | 11.4% | 33.7% | LIFE 571% · AJG 94% · ARX 87% |
| Asset Management & Custody Banks | 83 | -8.7% | 23.5% | 25.5% | SII 341% · WT 303% · VCTR 289% |
| Financial Exchanges & Data | 15 | -1.6% | 14.2% | 13.9% | VIRT 216% · CBOE 156% · CME 69% |
| Commercial & Residential Mortgage Finance | 12 | -31.1% | 19.6% | 4.5% | FNMA 474% · FMCC 460% · ESNT 60% |
| Specialized Finance | 3 | 18.7% | 53.6% | 3.7% | EFC 36% · CACC 4% · HASI -14% |
| Mortgage REITs | 34 | -7.2% | 13.6% | -11.5% | RITM 61% · NREF 53% · DX 41% |
| Transaction & Payment Processing Services | 15 | 1.4% | 8.4% | -41.3% | MA 65% · V 65% · CPAY 58% |
| Diversified Capital Markets | 21 | -29.3% | -4.7% | -45.9% | BTCS 584% · OPY 176% · LPLA 153% |
| Diversified Financial Services | 5 | -6.3% | 63.2% | -58.0% | FRHC 166% · EQH 80% · TMS -58% |
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Life Technologies Market Price | 04/22/2024 | |
| Why Ethos Technologies Stock Moved: LIFE Stock Has Lost 89% Since 2021 Primarily Due To Unfavorable Change In Revenues | 12/05/2023 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 43.77 |
| Mkt Cap | 1.9 |
| Rev LTM | 781 |
| Op Inc LTM | 58 |
| FCF LTM | 8 |
| FCF 3Y Avg | -2 |
| CFO LTM | 21 |
| CFO 3Y Avg | 11 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 10.3% |
| Rev Chg 3Y Avg | 18.5% |
| Rev Chg Q | 17.1% |
| QoQ Delta Rev Chg LTM | 4.0% |
| Op Inc Chg LTM | -5.6% |
| Op Inc Chg 3Y Avg | 142.1% |
| Op Mgn LTM | 3.5% |
| Op Mgn 3Y Avg | 4.9% |
| QoQ Delta Op Mgn LTM | 0.8% |
| CFO/Rev LTM | 2.2% |
| CFO/Rev 3Y Avg | 0.7% |
| FCF/Rev LTM | 0.8% |
| FCF/Rev 3Y Avg | -0.2% |
Price Behavior
Price Behavior
| Market Price | $34.16 | |
| Market Cap ($ Bil) | 1.6 | |
| First Trading Date | 01/29/2026 | |
| Distance from 52W High | -2.9% | |
| 50 Days | 200 Days | |
| DMA Price | $22.44 | $13.84 |
| DMA Trend | up | up |
| Distance from DMA | 52.2% | 146.8% |
| 3M | 1YR | |
| Volatility | 88.1% | 2,363.3% |
| Downside Capture | -206.75 | 32.26 |
| Upside Capture | 124.70 | 312.07 |
| Correlation (SPY) | 21.9% | -1.3% |
LIFE Betas & Captures as of 7/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.15 | 0.50 | 0.61 | 1.42 | -2.46 | 0.17 |
| Up Beta | 0.85 | 1.85 | 2.86 | 1.81 | 2.08 | 0.94 |
| Down Beta | -0.31 | 3.04 | 3.45 | 2.22 | 23.08 | 6.40 |
| Up Capture | 50% | -55% | -44% | 131% | -54% | 19% |
| Bmk +ve Days | 11 | 22 | 35 | 67 | 138 | 427 |
| Stock +ve Days | 13 | 21 | 31 | 64 | 88 | 324 |
| Down Capture | -143% | -124% | -181% | 99% | -2951% | -198% |
| Bmk -ve Days | 11 | 21 | 28 | 59 | 114 | 326 |
| Stock -ve Days | 9 | 22 | 32 | 62 | 86 | 324 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with LIFE | |
|---|---|---|---|---|
| LIFE | -66.2% | 139.2% | 0.15 | - |
| Sector ETF (XLF) | 10.1% | 14.6% | 0.44 | 10.2% |
| Equity (SPY) | 21.1% | 12.9% | 1.22 | 13.3% |
| Gold (GLD) | 37.5% | 28.8% | 1.10 | 12.5% |
| Commodities (DBC) | 43.2% | 20.2% | 1.66 | -7.9% |
| Real Estate (VNQ) | 12.9% | 13.8% | 0.64 | 5.4% |
| Bitcoin (BTCUSD) | -31.6% | 44.1% | -0.73 | 20.4% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with LIFE | |
|---|---|---|---|---|
| LIFE | -19.1% | 87.1% | 0.26 | - |
| Sector ETF (XLF) | 10.1% | 18.4% | 0.41 | 17.3% |
| Equity (SPY) | 12.9% | 17.2% | 0.57 | 18.3% |
| Gold (GLD) | 20.6% | 18.6% | 0.90 | 5.9% |
| Commodities (DBC) | 10.4% | 19.6% | 0.41 | 1.8% |
| Real Estate (VNQ) | 2.3% | 18.9% | 0.02 | 14.2% |
| Bitcoin (BTCUSD) | 10.4% | 52.8% | 0.38 | 12.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with LIFE | |
|---|---|---|---|---|
| LIFE | -28.1% | 86.5% | 0.06 | - |
| Sector ETF (XLF) | 13.5% | 22.0% | 0.56 | 16.2% |
| Equity (SPY) | 15.2% | 17.9% | 0.72 | 18.9% |
| Gold (GLD) | 12.7% | 16.2% | 0.64 | 5.1% |
| Commodities (DBC) | 8.0% | 18.0% | 0.36 | 7.1% |
| Real Estate (VNQ) | 5.0% | 20.7% | 0.20 | 14.2% |
| Bitcoin (BTCUSD) | 63.1% | 66.1% | 1.03 | 10.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Recent Forward Guidance
Updated 8/4/2026Latest: Q2 2026 Earnings Reported 8/3/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q3 2026 Total Revenue | 160.00 Mil | 162.00 Mil | 164.00 Mil | ||||
| Q3 2026 Adjusted EBITDA | 23.00 Mil | 24.00 Mil | 25.00 Mil | ||||
| 2026 Total Revenue | 727.00 Mil | 729.00 Mil | 731.00 Mil | 29.5% | Raised | Guidance: 563.00 Mil for 2026 | |
| 2026 Adjusted EBITDA | 119.00 Mil | 121.00 Mil | 123.00 Mil | 15.2% | Raised | Guidance: 105.00 Mil for 2026 | |
Prior: Q1 2026 Earnings Reported 5/6/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q2 2026 Total Revenue | 114.00 Mil | 116.00 Mil | 118.00 Mil | ||||
| Q2 2026 Adjusted EBITDA | 20.00 Mil | 21.00 Mil | 22.00 Mil | ||||
| 2026 Total Revenue | 561.00 Mil | 563.00 Mil | 565.00 Mil | 10.0% | Raised | Guidance: 512.00 Mil for 2026 | |
| 2026 Adjusted EBITDA | 103.00 Mil | 105.00 Mil | 107.00 Mil | 4.0% | Raised | Guidance: 101.00 Mil for 2026 | |
Insider Activity
Updated 8/21/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Colis, Peter George | CEO and Secretary | Direct | Sell | 8212026 | 33.38 | 28,600 | 954,600 | 51,313,411 | Form |
| 2 | Colis, Peter George | CEO and Secretary | Direct | Sell | 8212026 | 32.93 | 27,924 | 919,611 | 51,571,201 | Form |
| 3 | Wang, Lingke | President | Direct | Sell | 8212026 | 33.29 | 118,333 | 3,939,733 | 51,190,354 | Form |
| 4 | Kucharski, Brandt Walter | Chief Accounting Officer | Direct | Sell | 8212026 | 32.47 | 8,735 | 283,664 | 2,976,220 | Form |
| 5 | Sc, Us (ttgp), Ltd | Spelunker Channel Holdings, LLC | Sell | 8212026 | 33.12 | 59,897 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Colis, Peter George | CEO and Secretary | Direct | Sell | 8212026 | 33.38 | 28,600 | 954,600 | 51,313,411 | Form |
| 2 | Colis, Peter George | CEO and Secretary | Direct | Sell | 8212026 | 32.93 | 27,924 | 919,611 | 51,571,201 | Form |
| 3 | Wang, Lingke | President | Direct | Sell | 8212026 | 33.29 | 118,333 | 3,939,733 | 51,190,354 | Form |
| 4 | Kucharski, Brandt Walter | Chief Accounting Officer | Direct | Sell | 8212026 | 32.47 | 8,735 | 283,664 | 2,976,220 | Form |
| 5 | Sc, Us (ttgp), Ltd | Spelunker Channel Holdings, LLC | Sell | 8212026 | 33.12 | 59,897 | Form | |||
| 6 | Sc, Us (ttgp), Ltd | Nalrena, L.L.C. | Sell | 8212026 | 33.12 | 47,898 | Form | |||
| 7 | Sc, Us (ttgp), Ltd | Spelunker Channel Holdings, LLC | Sell | 8212026 | 33.12 | 59,897 | Form | |||
| 8 | Sc, Us (ttgp), Ltd | Nalrena, L.L.C. | Sell | 8212026 | 33.12 | 47,898 | Form | |||
| 9 | Colis, Peter George | CEO and Secretary | Direct | Sell | 8212026 | 33.00 | 27,924 | 921,495 | 51,676,875 | Form |
| 10 | Sc, Us (ttgp), Ltd | Spelunker Channel Holdings, LLC | Sell | 8212026 | 32.82 | 19,349 | Form | |||
| 11 | Sc, Us (ttgp), Ltd | Nalrena, L.L.C. | Sell | 8212026 | 32.82 | 15,472 | Form | |||
| 12 | Sc, Us (ttgp), Ltd | Spelunker Channel Holdings, LLC | Sell | 8212026 | 32.82 | 19,349 | Form | |||
| 13 | Sc, Us (ttgp), Ltd | Nalrena, L.L.C. | Sell | 8212026 | 32.82 | 15,472 | Form | |||
| 14 | Capozzi, Christopher M | Chief Financial Officer | Direct | Sell | 8182026 | 34.14 | 26,184 | 893,875 | 21,815,809 | Form |
| 15 | Colis, Peter George | CEO and Secretary | Direct | Sell | 8182026 | 34.18 | 29,342 | 1,003,014 | 53,530,070 | Form |
| 16 | Wang, Lingke | President | Direct | Sell | 8182026 | 34.28 | 22,623 | 775,626 | 53,919,027 | Form |
| 17 | Kucharski, Brandt Walter | Chief Accounting Officer | Direct | Sell | 8182026 | 34.26 | 5,611 | 192,239 | 3,439,227 | Form |
| 18 | Kucharski, Brandt Walter | Chief Accounting Officer | Direct | Sell | 8182026 | 34.93 | 77,436 | 2,704,553 | 3,701,978 | Form |
| 19 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7292026 | 18.90 | 118,138 | Form | |||
| 20 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7292026 | 19.46 | 196,931 | Form | |||
| 21 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7272026 | 18.88 | 23,417 | Form | |||
| 22 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7272026 | 19.06 | 63,297 | Form | |||
| 23 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7232026 | 19.23 | 49,582 | Form | |||
| 24 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7232026 | 19.06 | 22,900 | Form | |||
| 25 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7212026 | 18.87 | 18,386 | Form | |||
| 26 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7212026 | 18.68 | 20,534 | Form | |||
| 27 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7172026 | 18.73 | 19,595 | Form | |||
| 28 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 7172026 | 19.66 | 74,492 | Form | |||
| 29 | Wang, Lingke | President | Direct | Sell | 5192026 | 22.11 | 46,349 | 1,024,561 | 16,906,964 | Form |
| 30 | Colis, Peter George | CEO and Secretary | Direct | Sell | 5192026 | 22.07 | 60,035 | 1,324,783 | 16,575,511 | Form |
| 31 | Capozzi, Christopher M | Chief Financial Officer | Direct | Sell | 5192026 | 22.13 | 80,586 | 1,783,698 | 14,724,216 | Form |
| 32 | Kucharski, Brandt Walter | Chief Accounting Officer | Direct | Sell | 5192026 | 22.06 | 5,823 | 128,435 | 4,045,835 | Form |
| 33 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 5182026 | 23.75 | 87,475 | Form | |||
| 34 | Gv, 2019 Gp, Llc | Alphabet Holdings LLC | Sell | 5182026 | 23.01 | 60,077 | Form | |||
| 35 | Botha, Roelof | Direct | Buy | 2022026 | 19.00 | 260,525 | 4,949,975 | 4,949,975 | Form | |
| 36 | Sharma, Vipul | Chief Technology Officer | Direct | Sell | 1302026 | 17.86 | 200,000 | 3,572,000 | 9,451,816 | Form |
| 37 | Wheeler, William J | Direct | Buy | 1302026 | 19.00 | 260,525 | 4,949,975 | 5,149,475 | Form | |
| 38 | Mullin, Mark W | Direct | Buy | 1302026 | 19.00 | 5,263 | 99,997 | 331,569 | Form | |
| 39 | Kucharski, Brandt Walter | Chief Accounting Officer | Direct | Sell | 1302026 | 17.86 | 12,428 | 221,964 | 2,366,164 | Form |
| 40 | Lantz, Erin N | Chief Revenue Officer | Direct | Sell | 1302026 | 17.86 | 162,677 | 2,905,411 | 4,534,725 | Form |
| 41 | Gv, 2017 Gp, Llc | GV 2017, L.P. | Sell | 1302026 | 19.00 | 1,755,632 | Form | |||
| 42 | Gv, 2017 Gp, Llc | GV 2019, L.P. | Sell | 1302026 | 19.00 | 89,676 | 1,703,844 | 60,766,731 | Form |
Investor Activity (13F)
Updated Aug 24, 202613F holdings as of Mar 31, 2026 (Q1 2026)
Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.
| Active Manager |
|---|
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Insurance Brokers Resources |
| Insurance Business America |
| A.M. Best |
| National Underwriter |
| Insurance News |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.
Core Cache Last Updated: 8/23/2026