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Ethos Technologies cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$40.1M in Q3 2026 · $111M over twelve months

Operating cash flow$40.7M
Capital spending−$672K
Free cash flow+$40.1M
Cash / net income8.7×
Cash conversion cycle-1604 days

Analysis

In Q3 2026, Ethos Technologies generated $40.7M of operating cash flow and spent $672K on capital projects, leaving free cash flow of $40.1M. That is $33.3M more than in Q3 2025 ($6.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $113M; the largest uses were other investing ($71.1M), capital spending ($1.7M); besides operations, cash came from other financing ($25.9M); the cash balance rose by $65.5M.

Operating cash flow was $40.7M against net income of $4.7M — 8.7× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities +$47.3M, other liabilities +$34.3M, stock-based pay +$29.1M.

Its cash conversion cycle was -1604 days (receivables 28 + inventory 0 − payables 1632): suppliers fund its working capital.

Free cash flow

Ethos Technologies: free cash flow by quarterEthos Technologies: free cash flow by quarter$10.5MQ1 2025$12.9MQ2 2025$6.7MQ3 2025$4.6MQ4 2025$30.9MQ1 2026$35.3MQ2 2026$40.1MQ3 2026
Operating cash flow less capital spending.
Ethos Technologies: operating cash flow against capital spendingEthos Technologies: operating cash flow against capital spendingOperating cash flowCapital spending$10.8M$278KQ1 2025$13.2M$300KQ2 2025$7.2M$523KQ3 2025$4.9M$390KQ4 2025$31.2M$353KQ1 2026$35.7M$325KQ2 2026$40.7M$672KQ3 2026
Latest (Q3 2026): Operating cash flow $40.7M, Capital spending $672K.

Cash runway and the debt wall

Cash & investments$221M
Debtnone
Net cash$221M

Ethos Technologies funds itself: free cash flow was $111M over the last twelve months, with $221M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Ethos Technologies: sources (+) and uses (−) of cash, Q3 2026Ethos Technologies: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$40.7MCash drawn (+) / kept (−)−$37.6MOther investing−$1.8MCapital spending−$672KOther financing−$567KExchange rates−$19K
Ethos Technologies: sources (+) and uses (−) of cash, TTM to Q3 2026Ethos Technologies: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$113MOther investing−$71.1MCash drawn (+) / kept (−)−$65.5MOther financing$25.9MCapital spending−$1.7MExchange rates−$116K

From profit to cash

Ethos Technologies: net income to operating cash flow, Q3 2026Ethos Technologies: net income to operating cash flow, Q3 2026Net income$4.7MDepreciation & amortization$1.8MStock-based pay$29.1MDeferred taxes$474KReceivables−$26.3MPayables−$2.8MAccrued liabilities$47.3MPrepaid and other assets−$23.1MOther liabilities$34.3MOperating cash flow$40.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q3 202628—1632-1604
Q2 202627—1653-1626
Q1 202621—1685-1665

Every quarter

QuarterOperating cash flowCapital spendingCash drawn (+) / kept (−)Free cash flow
Q3 2026$40.7M−$672K−$37.6M$40.1M
Q2 2026$35.7M−$325K−$4.2M$35.3M
Q1 2026$31.2M−$353K−$16.8M$30.9M
Q4 2025$4.9M−$390K−$6.8M$4.6M
Q3 2025$7.2M−$523K−$4.0M$6.7M
Q2 2025$13.2M−$300K−$29.0M$12.9M
Q1 2025$10.8M−$278K−$16.2M$10.5M

Ethos Technologies: income statement and cash flow

Ethos Technologies, Q3 2026: revenue $235M (+151% year over year), operating margin 1.6%. The chart follows the revenue to costs, profit and cash.

Ethos Technologies: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.