Inferra AI / Company / LIFE
Ethos Technologies Inc.
LIFE · Financials
Last earnings Aug 3, 2026
Key results
Revenuequarter
104%
Revenue grew 104% year-over-year to $193 million •
SEC original ↗Ethos Technologies Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Direct Channel revenuequarter
136%
Direct Channel Revenue grew 136% year-over-year to $146 million •
SEC original ↗Ethos Technologies Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Third-Party revenuequarter
42%
Third-Party Revenue grew 42% year-over-year to $47 million Austin, TX —
SEC original ↗Ethos Technologies Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
AI analysis
Q1 2026 · reported May 6, 2026
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q1 2026 | Prior qtr | Year ago |
|---|---|---|---|
| Revenue | 104% | — | — |
| Direct Channel revenue | 136% | — | — |
| Third-Party revenue | 42% | — | — |
Guidance · company-stated
Direction: Raised
“Financial Outlook For the second quarter of 2026, Ethos expects the following: • Total Revenue: Between $114.0 million and $118.0 million , representing a 31% increase year-over-year at the midpoint • Adjusted EBITDA: Between $20.0 million and $22.0 million For the full fiscal year 2026, Ethos expects the following: • Total Revenue: Between $561.0 million and $565.0 million, representing a 45% increase year-over-year at the midpoint • Adjusted EBITDA: Between $103.0 million and $107.0 million Ethos’ financial outlook for the second quarter and full fiscal year 2026 are forward-looking, and actual results may differ materially as a result of many factors.”
Classified from the release's primary full-year outlook statement.
Capital allocation
Agent Debt: We typically advance to agents a portion of the commissions we expect to earn on a policy at the time the policy is activated.
Event summary
“Our results reflect both the velocity of our growth and the discipline of our execution
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Guidance & outlook
Direction: Raised
Revenue: “Financial Outlook For the second quarter of 2026, Ethos expects the following: • Total Revenue: Between $114.0 million and $118.0 million , representing a 31% increase year-over-year at the midpoint • Adjusted EBITDA: Between $20.0 million and $22.0 million For the full fiscal year 2026, Ethos expects the following: • Total Revenue: Between $561.0 million and $565.0 million, representing a 45% increase year-over-year at the midpoint • Adjusted EBITDA: Between $103.0 million and $107.0 million Ethos’ financial outlook for the second quarter and full fiscal year 2026 are forward-looking, and actual results may differ materially as a result of many factors.”
Revenue — Raised (“increase”)
“Financial Outlook For the second quarter of 2026, Ethos expects the following: • Total Revenue: Between $114.0 million and $118.0 million , representing a 31% increase year-over-year at the midpoint • Adjusted EBITDA: Between $20.0 million and $22.0 million For the full fiscal year 2026, Ethos expects the following: • Total Revenue: Between $561.0 million and $565.0 million, representing a 45% increase year-over-year at the midpoint • Adjusted EBITDA: Between $103.0 million and $107.0 million Ethos’ financial outlook for the second quarter and full fiscal year 2026 are forward-looking, and actual results may differ materially as a result of many factors.”
Classified from the release's primary full-year outlook statement.
Capital allocation
Agent Debt: We typically advance to agents a portion of the commissions we expect to earn on a policy at the time the policy is activated.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
When a policy lapses before the advanced compensation has been earned, the unearned portion of that advance becomes an amount owed to us, which we refer to as agent debt.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
Included in this amount were 0.2 million incremental shares of Class A common stock issued in accordance with the contractual conversion rights of the Company's Series D and D-1 redeemable convertible preferred stock, and we recorded a $ 5.6 million deemed dividend to Series D and Series D-1 redeemable convertible preferred stockholders upon the IPO.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
government bonds $ 40,991 $ $ ( 19 ) $ $ 40,972 Corporate debt securities 71,073 27 ( 213 ) 70,887 Agency bonds 29,066 ( 228 ) 28,838 Total investments $ 141,130 $ 27 $ ( 460 ) $ $ 140,697 Cost or Amortized Gross Unrealized Allowance for Credit Estimated Fair December 31, 2025 Cost Gains Losses Loss Value U.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
government bonds $ 9,230 $ 4 $ $ $ 9,234 Corporate debt securities 44,994 180 ( 1 ) 45,173 Agency bonds 11,935 4 ( 2 ) 11,937 Total investments $ 66,159 $ 188 $ ( 3 ) $ $ 66,344 The Company examined its securities at each balance sheet date to determine if there was a need to recognize an allowance for credit loss pertaining to these securities.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
government bonds $ $ $ ( 19 ) $ 40,972 Corporate debt securities ( 213 ) 58,923 Agency bonds ( 228 ) 28,838 Total investments $ $ $ ( 460 ) $ 128,733 12 months or greater Less than 12 months December 31, 2025 Unrealized Losses Estimated Fair Value Unrealized Losses Estimated Fair Value Corporate debt securities $ $ $ ( 1 ) $ 4,597 Agency bonds ( 2 ) 7,060 Total investments $ $ $ ( 3 ) $ 11,657 Net realized and unrealized gains and losses on investments are a function of the difference between the amount received by us on the sale of a security and the security s cost-basis, mark-to-market adjustments, credit losses recognized in earnings, and unrealized gains and losses on equity securities.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
Strategy & priorities
We believe that non-GAAP financial measures, among others, provide important supplemental information to management and investors, help evaluate our business, identify trends affecting our performance, formulate business plans, and make strategic decisions.
SEC original ↗Ethos Technologies Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Ethos uses Adjusted EBITDA and Adjusted EBITDA Margin to assess performance, to inform the preparation of its annual operating budget and quarterly forecasts, to evaluate the effectiveness of its business strategies, and to assist its board of directors in monitoring its business and financial performance.
SEC original ↗Ethos Technologies Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
com Forward-Looking Statements This press release and the related conference call contain express and implied “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, including, but not limited to, statements regarding Ethos’ financial outlook for the fiscal quarter ending June 30, 2026 and the fiscal year ending December 31, 2026, the size of Ethos’ market opportunity, market trends, and Ethos’ business and financial strategy and plans.
SEC original ↗Ethos Technologies Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
All statements other than statements of historical facts contained in this Quarterly Report, including statements regarding our future financial condition or results of operations, business strategy and plans, and objectives of management for future operations are forward-looking statements.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
The accounting guidance for fair value measurements prioritizes valuation methodologies based on the reliability of the inputs in the following three-tier value hierarchy: Level 1 Quoted prices in active markets for identical assets or liabilities.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
Risks & headwinds
Such statements are subject to risks, uncertainties and other factors that may cause actual results to be materially different from any future results expressed or implied by the forward-looking statements.
SEC original ↗Ethos Technologies Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Additional risks and uncertainties that could cause actual outcomes and results to differ materially from those contemplated by the forward-looking statements contained herein are included in the “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” sections of Ethos’ most recent filings with the Securities and Exchange Commission, including in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025.
SEC original ↗Ethos Technologies Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Legal Proceedings 37 Item 1A.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
2 Table of Contents CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report contains forward-looking statements about us and our industry that involve substantial risks and uncertainties.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
The outcome of the events described in these forward-looking statements is subject to risks, uncertainties, and other factors described in the section titled Risk Factors and elsewhere in this Quarterly Report.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
New risks and uncertainties emerge from time to time, and it is not possible for us to predict all risks and uncertainties that could have an impact on the forward-looking statements contained in this Quarterly Report.
SEC original ↗Ethos Technologies Inc. — 10-Q Quarterly report10-QAug 5, 2026
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
9 documentsEarnings releases
3 documentsPresentations
0 documentsNo presentations for Ethos Technologies Inc. are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Ethos Technologies Inc. are held in this edition of the library.
Mentioned by
4 companiesOther tracked companies whose held documents mention Ethos Technologies Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.
Alexandria Real Estate Equities (ARE)
“t space. Given the factors previously described that could negatively impact… …CENTERS OF LIFE SCIENCE INNOVATION SECTOR-LEADING CLIENT BASE OF ~ 700 TENANTS HIGH-QUALITY CASH FLOWS PROVEN UNDERWRITING FORTRESS BALANCE SHEET ”
“ re-leasing of space at our operating properties.… … LEADING TENANT BASE WITHIN THE LIFE SCIENCE REAL ESTATE SECTOR HIGH-QUALITY, LONG-TERM CASH FLOWS PROVEN UNDERWRITING EXPERTISE STRONG AND FLEXIBLE BALANCE SHEET LONG-”
“ Notes to the Consolidated Financial Statements 10 SHINHAN LIFE… … 43 267,837 714,920 Gains on derivatives 22,50 185,350 66,441 Dividend income 9,45 37,774 32,510 ”
“| $118 B | RED CHRIS 980 M T MINERAL RESOURCE ESTIMATE, … …GOLD MINE DSO FINANCIALS MINE LIFE AFTER-TAX VALUE | GOLD PRICE $2600 USD/oz NPV5% IRR PAYBACK NPV/CAPEX $215.8 M CAD 60.3% 1.2 YRS 1.7 6.86 g/t gold GOLD RECOVERY 94.7% IRR $44”
See also the earnings calendar for every tracked company’s next earnings date.