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Stock Ratings / Financials / LIFE / options
NP (64) CRVL (75) ARX (64) BWIN (48) ⌘ Pro Terminal →

Ethos Technologies Inc. (Class A) (LIFE) Options Positioning, Max Pain & Unusual Sweeps

$42.62 -1.77% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $42.59

Ethos Technologies Inc. (Class A) (LIFE) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 41% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $2.82B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LIFE Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LIFE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Ethos Technologies Inc. (Class A) (NASDAQ: LIFE) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $42.62 (-1.77% 1D, market cap $2.82B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 18/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, LIFE ranks #105 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LIFE compare to NP and CRVL in the Financials sector?
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Within the Financials sector (Specialty Insurers), LIFE carries a Roarable B- (70/100 RQD), trailing P/E of 39.8x, gross margin of —, and ROIC of 40.6%. By comparison, NP (Neptune Insurance Holdings Inc. (Class A)) holds a C grade (64/100 RQD, P/E 106.4x, ROIC 28.2%, cap $4.03B) and CRVL (CorVel Corp.) posts a B grade (75/100 RQD, P/E 37.6x, ROIC 29.4%, cap $4.15B). Among the 5-stock peer group, CRVL leads on earnings multiple (37.6x) while LIFE leads on capital efficiency (40.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LIFE?
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Per LIFE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001788451), Ethos Technologies Inc. (Class A) generated $387.6M in revenue (+52.0% YoY), $71.2M in net income, and $34.7M in free cash flow against $515.3M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Priced at 40x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $42.59 (-0.08%)🧬 Disciplined Float (-0.04% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510070
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C
Cash (15)Whales (18)SEC (13)Macro (12)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$53 Bull$45 Base$35 Bear
📬 FREE LIFE RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LIFE)Realized 20D OHLCV Swing Band: ±12.2%
Deterministic 5-Pillar Attribution (70/100 Composite)
🔍 WHY LIFE SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+18/20 pts (26% of score)

20D Institutional Volume Accumulation (±12.2% realized swing band)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 9% FCF Margin ($34.7M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution12/20 pts (-8 pt drag)

Disciplined Float (-0.04% YoY Shares) & executive Form 4 sales trim 8 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
62
Grade C+$39.61+3.7% Next Q
Q2 (-2Q)
65
Grade C+$41.07+3.6% Next Q
Q3 (-1Q)
67
Grade B-$42.53+0.2% Next Q
Current
70
Grade B-$42.62+6.6% Hist 90D α
Trajectory: C+ (62) → B- (70)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LIFE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, LIFE faces multiple-compression risk if 39.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Priced at 40x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.04% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.43) or 200D SMA ($23.25) invalidates the momentum regime and cuts Target Base ($44.92) toward Bear Floor ($34.95).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LIFE• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “LIFE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 70%NO 30%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±12.2%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (LIFE)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for LIFE.

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FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating LIFE & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on LIFE
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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LIFE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +118.68%▲ ASCENDING CHANNEL
2026-11-03O $43.62H $43.62L $42.62C $42.62VOL 1.94M
RES: $45.51SUP: $24.36SMA50: $38.43SMA200: $23.25
$47.22$37.97$28.71$19.45$10.20RES $45.51SUP $24.36$42.622026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LIFE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LIFE Butterfly Map → + Track LIFE →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
30.3%/yr Implied 5Y Growth

vs. +52.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on LIFE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LIFE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for LIFE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LIFE)

Financials Rank #105 of 1097 ⚔️ NP vs LIFE Full Matrix →

1. Head-to-Head Financials Peer Comparison (LIFE vs. NP, CRVL, ARX, BWIN)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Ethos Technologies Inc. (Class A) (LIFE) ranks #105 by composite RQD confidence (70/100, grade B-) and #376 by equity capitalization ($2.82B). Within this direct 5-issuer industry benchmark cohort, CRVL leads on earnings valuation at 37.6x trailing P/E, while LIFE leads on capital efficiency and profitability with 40.6% ROIC and — gross margin. CRVL currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with LIFE at 70/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
LIFE ACTIVE
Ethos Technologies Inc. (Class A)
B- 70/100 39.8x — 40.6% -1.77% $2.82B Benchmark Subject
NP
Neptune Insurance Holdings Inc. (Class A)
C 64/100 106.4x — 28.2% +0.62% $4.03B /np-vs-life →
CRVL
CorVel Corp.
B 75/100 37.6x — 29.4% +1.23% $4.15B /crvl-vs-life →
ARX
Accelerant Holdings (Class A)
C 64/100 — — — -0.05% $4.30B /arx-vs-life →
BWIN
The Baldwin Insurance Group Inc.
D 48/100 — — 3.6% -0.03% $4.45B /bwin-vs-life →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001788451 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Ethos Technologies Inc. (Class A) (LIFE) reported GAAP revenue of $387.6M (+52.0% vs. FY2024 revenue of $254.9M ) , GAAP net income of $71.2M, operating cash flow of $36.2M, and free cash flow of $34.7M (+397.3% YoY). On the balance sheet, LIFE closed FY2025 with $515.3M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $387.6M $71.2M $36.2M $34.7M $515.3M —
FY2024 (FY) 2024-12-31 $254.9M $48.8M -$10.9M -$11.7M $395.9M —

3. LIFE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LIFE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Ethos Technologies Inc. (Class A) (NASDAQ: LIFE) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $42.62 (-1.77% 1D, market cap $2.82B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 18/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, LIFE ranks #105 in composite RQD confidence.

How does LIFE compare to NP and CRVL in the Financials sector?

Within the Financials sector (Specialty Insurers), LIFE carries a Roarable B- (70/100 RQD), trailing P/E of 39.8x, gross margin of —, and ROIC of 40.6%. By comparison, NP (Neptune Insurance Holdings Inc. (Class A)) holds a C grade (64/100 RQD, P/E 106.4x, ROIC 28.2%, cap $4.03B) and CRVL (CorVel Corp.) posts a B grade (75/100 RQD, P/E 37.6x, ROIC 29.4%, cap $4.15B). Among the 5-stock peer group, CRVL leads on earnings multiple (37.6x) while LIFE leads on capital efficiency (40.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LIFE?

Per LIFE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001788451), Ethos Technologies Inc. (Class A) generated $387.6M in revenue (+52.0% YoY), $71.2M in net income, and $34.7M in free cash flow against $515.3M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Priced at 40x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LIFE trading relative to its 50-day, 200-day, and 52-week technical levels?

LIFE last traded at $42.62 (-1.77% on volume of 3,081,968 shares), positioning the stock +10.90% above its 50-day simple moving average ($38.43) and +83.31% above its 200-day simple moving average ($23.25). Across its 52-week range of $9.45 to $44.99, LIFE sits at the 93.3% percentile with a 14-day RSI of 64.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.2% ($37.42 to $47.82).

Direct Sub-Reports: LIFE RQD Cockpit LIFE 12M Forecast LIFE Earnings & Move LIFE Dividends & DRIP LIFE Insiders & 13F LIFE Whale Options LIFE Profit Sankey LIFE News & Why
ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ SEC XBRL & RQD VERIFIED

LIFE — Ethos Technologies Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Ethos Technologies Inc. (Class A) (LIFE) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $42.62 (-1.77% 1D, market capitalization $2.82B).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 40.6%, gross margin of —, operating margin of 18.8%, and free cash flow yield of 1.23%.
  • Whale 13F & Options Flow (18/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Ethos Technologies Inc. (Class A) is a NASDAQ-listed issuer classified in the Financials sector and the Specialty Insurers industry, . — for products, customer segments, or specific revenue-generation mechanics. Per the Financials section, the company reported revenue of $387.6M for FY 2025, up from $254.9M for FY 2024.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Ethos Technologies Inc. (Class A) (LIFE) reported $387.6M in annual revenue (up from $254.9M in FY2024, +52.0% YoY) and $71.2M in GAAP net income. Over the multi-year SEC filing window from FY2024 ($254.9M revenue, $48.8M net income) through FY2025, LIFE scaled operating cash flow to $36.2M and free cash flow to $34.7M, backed by $515.3M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 70/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Big institutional funds and options desks are actively positioning on the bullish side. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 18/20, sustained execution supports upside toward the upper end of the $9.45 – $44.99 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Priced at 40x earnings—high expectations leave less room for a lukewarm quarter. Investors must weigh 39.8x trailing P/E and 37.0x EV/EBITDA against 18.8% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— supply_chain is NONE, with no upstream or downstream dependencies, sector correlations, or second-order bottlenecks recorded. For a prospective investor, the absence of mapped links means this analysis cannot be extended beyond the company's own reported financials and news flow.

  • Key Question #1: Can LIFE sustain or expand its 18.8% operating margin and 40.6% ROIC against Specialty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $387.6M and free cash flow of $34.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is LIFE's 33.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

LIFE Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Ethos Technologies Inc. (Class A) (LIFE) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LIFE Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LIFE Bull vs. Bear Conversation Board — What's Your Call at $42.62?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LIFE 🐻 33% BEARISH CONVICTION
1. Pick Your Side on LIFE:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $50.33 (+16.0%)
📌 Pinned Debate

Per the Market Data section, a 40.6% ROIC and 18.4% net margin indicate strong returns on invested capital, supported by net income ris

Picked up a starter position in LIFE in my $100K Virtual Cash book at $43.39. Per the Market Data section, a 40.6% ROIC and 18.4% net margin indicate strong returns on invested capital, supported by net income rising from $48.8M to $71.2M.. Trading inside a $9.45–$44.99 52-week range with 1.23% FCF yield gives solid downside support if Specialty Insurers multiples expand this quarter.

CapAlloc_Nerd 🐂 BULL

@FadeTheHype Fair point on 39.8x trailing P/E, but you're ignoring the forward operating leverage in Specialty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $33.41 (-23.0%)
Spot @ $43.39

Per the Market Data section, a 37x EV/EBITDA and 1.23% FCF yield leave the stock with rich valuation and limited cash-return cushion at

Careful chasing LIFE at $43.39. Per the Market Data section, a 37x EV/EBITDA and 1.23% FCF yield leave the stock with rich valuation and limited cash-return cushion at $43.62.. Gross margin is 0.0%, but operating margin is 18.8%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $33.41 on multiple compression.

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