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Ethos Technologies (LIFE) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Ethos Technologies (LIFE) Q3 2026 earnings results →
Q3 2026 Revenue up 151% year over year to $235M · 2¢ of every $1 of revenue kept as net profit · operating margin 1.6%
Ethos Technologies made $235M in Q3 2026 (+151% Y/Y). Operating margin 1.6%, net earnings $4.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $235.2M in Q3 2026, up 151% year over year and up 24% from the previous quarter.
Operating profit was $3.8M, a 1.6% margin (down 16.6 points year over year). Operating profit fell $13.2M even though revenue rose $141.4M versus a year earlier, so costs grew faster than sales. Total costs grew 202% against revenue growth of 151%. The fastest-growing cost line was General & admin (+342%). Net earnings were $4.7M, down 71% year over year. The effective tax rate was 14.5%. Non-operating items added $1.6M, 30% of pre-tax earnings, so the bottom line overstates operating performance.
Operating cash flow was $40.7M (up 462% year over year), 872% of net earnings. Non-cash charges added back $1.8M of depreciation and amortization and $29.1M of share-based compensation. Working capital and other items added $5.1M. Capital expenditures of $672K left free cash flow of $40.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $235M | +151% | 1.6% | $4.7M | $40.7M |
| Q2 2026 | 10-Q | Aug 5, 2026 | $190M | +113% | 9.6% | $19.5M | $35.7M |
| Q1 2026 | 10-Q | May 8, 2026 | $193M | +104% | -84.6% | −$166M | $31.2M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Ethos Technologies
Ethos is a leading life insurance technology company on a mission to protect families by democratizing access to life insurance and empowering agents at scale. With its robust three-sided technology platform, Ethos is transforming the life insurance experience for consumers, agents, and carriers alike. Ethos offers instant, accessible products and a seamless online process that requires no medical exams and just a few health questions; it eliminates traditional barriers, making it easier than ever for everyone to protect their families. Ethos is redefining how life insurance is bought, sold, and underwritten.
In its own words, from its 8-K, filed Aug 3, 2026.
Ethos Technologies against its Insurance Agents, Brokers & Service peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +151% against the peers' median +8%. Operating margin: 1.6% against the peers' median 17.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| LIFE Ethos Technologies | Q3 2026 | $235M | +151% | 1.6% |
| MRSH Marsh & McLennan Companies | Q3 2026 | $6.9B | +8% | 17.7% |
| AON Aon | Q3 2026 | $4.1B | +3% | 19.7% |
| AJG Arthur J. Gallagher | Q3 2026 | $4.0B | +18% | 13.0% |
| EQH Equitable Holdings | Q3 2026 | $3.9B | +168% | 35.8% |
| WTW Willis Towers Watson | Q3 2026 | $2.5B | +8% | 17.4% |
| BRO Brown & Brown | Q3 FY27 | $1.7B | +7% | 18.6% |
| ERIE Erie Indemnity | Q3 2026 | $1.1B | +0.3% | 19.4% |
| RYAN Ryan Specialty Holdings | Q3 2026 | $790M | +5% | 17.8% |
Source: Ethos Technologies 10-Q on SEC EDGAR · CIK 1788451 · Insurance Agents, Brokers & Service
Guidance and outlook
13F: who owns LIFE and who is buying
More on LIFE
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results