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LIFE

BULLISH
$13.81 Live
Ethos Technologies Inc. · NASDAQ
Target $20.25 (+46.6%)
$9.45 52W Range $19.0

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 13, 2026
Market cap
$868.23M
P/E
12.11
ROE
21.0%
Profit margin
18.4%
Debt/Equity
0.01
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
75%
With a strong Piotroski F-Score of 7/9 and an intrinsic value estimate of $33.63, LIFE presents a compelling growth-at-a-reasonable-price (GARP) opportunity. The company has successfully pivoted from a long history of losses to significant profitability, evidenced by a 161.6% YoY earnings growth and a low forward P/E of 7.14. While technical trends remain bearish and book value is negative, the fundamental trajectory and low debt levels suggest a strong recovery phase.

Key Strengths

Explosive revenue growth of 65.50% YoY
Strong earnings acceleration with 161.60% YoY growth
Robust Piotroski F-Score (7/9) indicating improving financial health
Very low leverage with a Debt/Equity ratio of 0.01
Healthy liquidity with a Current Ratio of 2.17

Key Risks

Negative Price/Book ratio (-9.53) indicating negative shareholders' equity
Bearish technical trend (0/100) suggesting lack of market momentum
Low insider sentiment (40/100) indicating lack of internal conviction
Historical volatility with a long track record of quarterly losses prior to 2024
Small market cap ($0.87B) increasing susceptibility to volatility
AI Fair Value Estimate
Based on comprehensive analysis
$22.5
+62.9% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
57
Moderate
Value
85
Future
90
Past
40
Health
70
Dividend
0
AI Verdict
Strong Growth Pivot
Key drivers: Earnings inflection, Low valuation relative to growth, Strong operational efficiency
Confidence
80%
Value
85/100

Trades at a significant discount to growth rates; Graham Number is unavailable due to negative equity.

Positives
  • Low P/E of 12.11
  • Very attractive Forward P/E of 7.14
  • Significant discount to intrinsic value ($33.63)
Watchpoints
  • Negative book value
Future
90/100

Growth metrics far exceed sector averages.

Positives
  • 65.5% Revenue growth
  • 161.6% Earnings growth
  • Positive operating margins (22.23%)
Watchpoints
  • Dependence on maintaining high growth rates to justify valuation
Past
40/100

The company is in a transition phase from a loss-making startup to a profitable enterprise.

Positives
  • Recent trend of beating earnings estimates (3/4 last quarters)
Watchpoints
  • Long history of negative EPS from 2019-2023
  • Negative 5Y/3Y/1Y price performance
Health
70/100

Operational health is strong, but the balance sheet carries the legacy of early-stage losses.

Positives
  • Piotroski F-Score 7/9
  • Minimal debt (D/E 0.01)
  • Strong Current Ratio (2.17)
Watchpoints
  • Negative equity/book value
Dividend
0/100

Growth-stage company reinvesting all capital.

Positives
No standout positives identified.
Watchpoints
  • No dividend payments
  • 0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$13.81
Analyst Target
$20.25
Upside/Downside
+46.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LIFE and closest competitors.

Updated 2026-04-10
LIF
Ethos Technologies Inc.
Primary
5Y
-18.0%
3Y
-18.0%
1Y
-18.0%
6M
-18.0%
1M
+9.5%
1W
+16.3%
ABX
Abacus Global Management, Inc.
Peer
5Y
-6.8%
3Y
-10.9%
1Y
+24.7%
6M
+51.2%
1M
+3.4%
1W
-5.8%
FSB
Five Star Bancorp
Peer
5Y
+132.6%
3Y
+126.2%
1Y
+58.8%
6M
+32.0%
1M
+9.0%
1W
+6.4%
BOW
Bowhead Specialty Holdings Inc.
Peer
5Y
+6.2%
3Y
+6.2%
1Y
-19.5%
6M
-23.2%
1M
-11.8%
1W
+5.0%
BCS
Bain Capital Specialty Finance, Inc.
Peer
5Y
+85.8%
3Y
+51.4%
1Y
-11.6%
6M
-3.0%
1M
+0.8%
1W
-0.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
12.11
Forward P/E
7.14
PEG Ratio
N/A
P/B Ratio
-9.53
P/S Ratio
2.24
EV/Revenue
2.96
EV/EBITDA
14.67
Market Cap
$868.23M

Profitability

Profit margins and return metrics

Profit Margin 18.36%
Operating Margin 22.23%
Gross Margin 98.26%
ROE 21.03%
ROA 10.0%

Growth

Revenue and earnings growth rates

Revenue Growth +65.5%
Earnings Growth +161.6%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth +157.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.01
Low debt
Current Ratio
2.17
Strong
Quick Ratio
1.69
Excellent
Cash/Share
$2.0

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Gross Margin
98.1%
Op. Margin
22.2%
Net Margin
22.3%
Total Assets
$0.5B
Liabilities
$0.5B
Equity
$-0.0B
Debt/Equity
-22.37x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2026-02-25
$0.42
+8.2% surprise
2024-05-29
$-0.23
+3.4% surprise
2024-03-15
$-0.23
+8.0% surprise

Financial Services Sector Comparison

Comparing LIFE against 377 companies in the Financial Services sector (65 bullish, 163 neutral, 149 bearish)
P/E Ratio
12.11
This Stock
vs
50.76
Sector Avg
-76.1% (Discount)
Return on Equity (ROE)
21.03%
This Stock
vs
-0.32%
Sector Avg
-6747.2% (Below Avg)
Profit Margin
18.36%
This Stock
vs
64.46%
Sector Avg
-71.5% (Weaker)
Debt to Equity
0.01
This Stock
vs
1.32
Sector Avg
-99.5% (Less Debt)
Revenue Growth
65.5%
This Stock
vs
44.75%
Sector Avg
+46.4% (Fast Growth)
Current Ratio
2.17
This Stock
vs
3.1
Sector Avg
-29.8% (Weaker)

Similar Companies

Peer comparison within the same industry

Past News Coverage

Recent headlines mentioning LIFE from our newsroom.

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