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Ethos Technologies vs Twfg: LIFE and TWFG compared
Ethos Technologies is the larger company: $235M of revenue in its latest quarter (Q3 2026) against $79.9M for Twfg (Q3 2026). Ethos Technologies is growing faster (+151% against +25% a year earlier). Twfg is more profitable, with an operating margin of 11.3% against 1.6%.
Where the money goes: LIFE and TWFG
Ethos Technologies (LIFE) · Q3 2026
Ethos Technologies, Q3 2026: revenue $235M (+151% year over year), operating margin 1.6%, net earnings $4.7M, operating cash flow $40.7M. The chart follows the revenue to costs, profit and cash.
Twfg (TWFG) · Q3 2026
Twfg, Q3 2026: revenue $79.9M (+25% year over year), operating margin 11.3%, net earnings $1.2M, operating cash flow $10.6M. The chart follows the revenue to costs, profit and cash.
| Ethos Technologies (LIFE) | Twfg (TWFG) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $235M | $79.9M |
| Revenue growth, Y/Y | +151% | +25% |
| Operating margin | 1.6% | 11.3% |
| Net earnings | $4.7M | $1.2M |
| Net margin | 2.0% | 1.5% |
| Operating cash flow | $40.7M | $10.6M |
| Free cash flow | $40.1M | $7.5M |
Where the revenue comes from
Twfg
- Commission income: $73.4M (92%)
- Contingent income: $2.6M (3%)
- Policy fees: $1.6M (2%)
- Branch fees: $1.4M (2%)
Questions
Which is bigger, Ethos Technologies or Twfg?
Ethos Technologies is the larger company: $235M of revenue in its latest quarter (Q3 2026) against $79.9M for Twfg (Q3 2026).
Is Ethos Technologies or Twfg growing faster?
Ethos Technologies is growing faster (+151% against +25% a year earlier).
Which is more profitable, Ethos Technologies or Twfg?
Twfg is more profitable, with an operating margin of 11.3% against 1.6%.
More: Ethos Technologies earnings · how Ethos Technologies makes money · Twfg earnings · how Twfg makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 4, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.