Ethos Technologies Inc
LIFEFinancial·Insurance Brokers·USA·Mid·NASD·Nov 11 • 3:59 PM ET
37.64+1.62 (4.50%)
2026-11-11 23:31 CET
Market cap
2,341.85 USD m
Revenue, TTM
727.95 USD m
Net income, TTM
-123.27 USD m
Free cash flow, TTM
101.19 USD m
EPS diluted, TTM
-1.96
P/E
-
Price
LIFE against its 20 and 50-day averages2050beatmiss
24.7% under the 52-week high of 49.98 on 3 Nov 2026. 52-week low 9.45 on 12 Feb 2026. Last 15 sessions, 53.9% high to low
Volume 0.51× normal · the line is the 50-bar volume average
Profile
LIFE52-week range, 70% of the way up
9.4549.98
Ethos Technologies, Inc. provides life insurance services. Its policies cover debt, income, mortgages, and education. The company was founded by Ling Ke Wang and Peter Colis in July 2016 and is headquartered in San Francisco, CA.
| Employees | 614 |
|---|---|
| IPO | Jan 29, 2026 |
| ATR, 14d | 3.08 |
| Rel volume | 0.51 |
| Short float | 21.90% |
| Insider own | 74.15% |
| Inst own | 18.57% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 2.45B |
| Enterprise Value | 2.24B |
| Income | -123.27M |
| Sales | 727.95M |
| Book/sh | 7.88 |
| Cash/sh | 3.41 |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | - |
| Employees | 614 |
| IPO | Jan 29, 2026 |
Ratios
| P/E | - |
|---|---|
| Forward P/E | 36.04 |
| PEG | 5.06 |
| P/S | 3.36 |
| P/B | 4.78 |
| P/C | 11.05 |
| P/FCF | 24.18 |
| EV/EBITDA | - |
| EV/Sales | 3.08 |
| Quick Ratio | 1.47 |
| Current Ratio | 1.47 |
| Debt/Eq | 0.03 |
| LT Debt/Eq | 0.01 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | -1.96 |
|---|---|
| EPS next Y | 1.04 |
| EPS next Q | 0.11 |
| EPS this Y | -294.70% |
| EPS next Y | 143.97% |
| EPS next 5Y | 7.12% |
| EPS past 3/5Y | 548.62% - |
| Sales past 3/5Y | 55.77% - |
| EPS Y/Y TTM | -319.73% |
| Sales Y/Y TTM | 111.58% |
| EPS Q/Q | -71.52% |
| Sales Q/Q | 150.78% |
| Earnings | Nov 02 AMC |
| EPS/Sales Surpr. | -13.69% 39.14% |
Ownership
| Insider Own | 74.15% |
|---|---|
| Insider Trans | -4.04% |
| Inst Own | 18.57% |
| Inst Trans | 2.75% |
| ROA | -18.14% |
| ROE | -27.13% |
| ROIC | -22.63% |
| Gross Margin | 97.13% |
| Oper. Margin | -16.06% |
| Profit Margin | -16.93% |
| SMA20 | -5.65% |
| SMA50 | -1.13% |
| SMA200 | 59.51% |
| Trades | - |
Technical
| Shs Outstand | 41.71M |
|---|---|
| Shs Float | 16.80M |
| Short Float | 21.90% |
| Short Ratio | 2.32 |
| Short Interest | 3.68M |
| 52W High | 49.98 -24.69% |
| 52W Low | 9.45 298.31% |
| Volatility | 9.15% 7.85% |
| ATR (14) | 3.08 |
| RSI (14) | 48.01 |
| Beta | - |
| Rel Volume | 0.51 |
| Avg Volume | 1.59M |
| Volume | 812,403 |
Performance
| Perf Week | 1.37% |
|---|---|
| Perf Month | -4.97% |
| Perf Quarter | 8.16% |
| Perf Half Y | 54.01% |
| Perf YTD | 98.11% |
| Perf Year | - |
| Perf 3Y | - |
| Perf 5Y | - |
| Perf 10Y | - |
| Recom | 1.44 |
| Target Price | 53.38 |
| Prev Close | 36.02 |
| Price | 37.64 |
| Change % | 4.50% |
Analyst ratings
latest 10 of 10| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Oct 01, 2026 | Downgrade | JJP Morgan | Overweight → Neutral | $37 | -1.7% |
| Feb 23, 2026 | Initiated | WWilliam Blair | Outperform | ||
| Feb 23, 2026 | Initiated | RRobert W. Baird | Outperform | $18 | -52.2% |
| Feb 23, 2026 | Initiated | JJP Morgan | Overweight | $13 | -65.5% |
| Feb 23, 2026 | Initiated | GGoldman | Buy | $33 | -12.3% |
| Feb 23, 2026 | Initiated | DDeutsche Bank | Buy | $23 | -38.9% |
| Feb 23, 2026 | Initiated | CCitizens | Mkt Outperform | $21 | -44.2% |
| Feb 23, 2026 | Initiated | CCitigroup | Buy | $15 | -60.1% |
| Feb 23, 2026 | Initiated | BBofA Securities | Buy | $15 | -60.1% |
| Feb 23, 2026 | Initiated | BBarclays | Overweight | $20 | -46.9% |
Peers
Mkt capInsider trading
latest 14 of 74| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Wang Lingke | President | Oct 15 '26 | Sale | 38.36 | 118,333 | 4,538,734 | 1,537,543 | Oct 16 05:45 PM |
| Colis Peter George | CEO and Secretary | Oct 14 '26 | Sale | 39.07 | 40,000 | 1,562,784 | 1,537,360 | Oct 16 05:45 PM |
| Colis Peter George | CEO and Secretary | Oct 15 '26 | Sale | 38.35 | 40,000 | 1,533,855 | 1,537,360 | Oct 16 05:45 PM |
| Colis Peter George | CEO and Secretary | Oct 16 '26 | Sale | 37.77 | 40,000 | 1,510,740 | 1,537,360 | Oct 16 05:45 PM |
| Colis Peter George | Officer | Oct 16 '26 | Proposed Sale | 37.77 | 40,000 | 1,510,821 | Oct 16 04:10 PM | |
| Wang Lingke | Officer | Oct 15 '26 | Proposed Sale | 38.35 | 118,333 | 4,538,545 | Oct 15 04:42 PM | |
| Colis Peter George | Officer | Oct 15 '26 | Proposed Sale | 38.35 | 40,000 | 1,533,811 | Oct 15 04:42 PM | |
| Colis Peter George | Officer | Oct 14 '26 | Proposed Sale | 39.07 | 40,000 | 1,562,802 | Oct 14 04:02 PM | |
| Colis Peter George | Officer | Sep 18 '26 | Proposed Sale | 36.85 | 23,333 | 859,862 | Sep 18 04:07 PM | |
| Wang Lingke | President | Sep 17 '26 | Sale | 38.96 | 118,333 | 4,610,442 | 1,537,543 | Sep 18 04:05 PM |
| Colis Peter George | CEO and Secretary | Sep 16 '26 | Sale | 39.82 | 23,334 | 929,136 | 1,537,360 | Sep 18 04:05 PM |
| Colis Peter George | CEO and Secretary | Sep 17 '26 | Sale | 38.85 | 23,333 | 906,442 | 1,537,360 | Sep 18 04:05 PM |
| Colis Peter George | CEO and Secretary | Sep 18 '26 | Sale | 36.85 | 23,333 | 859,847 | 1,537,360 | Sep 18 04:05 PM |
| Wang Lingke | Officer | Sep 17 '26 | Proposed Sale | 38.96 | 118,333 | 4,610,321 | Sep 17 04:07 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| SCHA | Schwab U.S. Small-Cap ETF | AUM: 22.25B |
| ITOT | iShares Core S&P Total U.S. Stock Market ETF | AUM: 95.28B |
| SCHB | Schwab U.S. Broad Market ETF | AUM: 44.09B |
| ONEQ | Fidelity Nasdaq Composite Index ETF | AUM: 10.35B |
| AIMS | Acuitas Small Cap Active ETF | AUM: 82.88M |
| TXS | Texas Capital Texas Equity Index ETF | AUM: 39.55M |
News
latest 14 of 72- Adult kids are spending future inheritances and risking a major trap (USA TODAY)
- Ethos Crushes Q3 Estimates And Raises Guidance Again, But Third-Party Mix Shift Keeps Compressing Margins (Earnings Whispers)
- Ethos Reports Third Quarter Fiscal Year 2026 Financial Results (GlobeNewswire)
- Ethos and Liberty Mutual Expand Relationship to Help Protect Who and What Matters Most (GlobeNewswire)
- Ethos Faces A Street Bar Set Well Above Its Own Third-Quarter Revenue Guidance (Earnings Whispers)
- Ethos to Announce Third Quarter 2026 Financial Results on November 2, 2026 (GlobeNewswire) +6.02%
- Exxon Mobil downgraded, BP upgraded: Wall Street's top analyst calls (The Fly)
- Two stock picks from a money manager who expects small caps to roar in 2027 (MarketWatch)
- Ethos Technologies Highlights Why Key Sell Rules Also Apply To New IPOs (Investor's Business Daily) -5.58%
- Ethos to Present at the Goldman Sachs Communacopia + Technology Conference (GlobeNewswire)
- Ethos Signs Erin Andrews as Its Next Sports Partner in Growing Campaign to Make Life Insurance Accessible for Every Family (GlobeNewswire)
- Ethos Technologies Inc (LIFE) (Q2 2026) Earnings Call Highlights: Revenue Soars 113% to $190 ... (GuruFocus.com) +21.11%
- Ethos Reports Second Quarter Fiscal Year 2026 Financial Results (GlobeNewswire) +11.80%
- Earnings To Watch: Ethos Technologies Inc (LIFE) Reports Q2 2026 Result (GuruFocus.com)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-11-02 | 0.070 | 0.081 | 0.070 | 235.22 | 169.05 | 6 |
| 2026Q2 | 2026-08-03 | 0.300 | 0.051 | 0.306 | 189.56 | 117.32 | 5 |
| 2026Q1 | 2026-05-06 | -3.570 | -1.651 | -2.731 | 193.1 | 144.98 | 6 |
| 2025Q4 | 2026-02-25 | 0.422 | 0.397 | 0.391 | 110.08 | 108.38 | 9 |
| 2025Q3 | 2025-12-03 | 0.275 | - | 0.253 | 93.83 | - | - |
| 2026Q4 | - | - | 0.113 | - | - | 218.32 | 5 |
| 2027Q1 | - | - | 0.322 | - | - | 281.98 | 4 |
| 2027Q2 | - | - | 0.280 | - | - | 271.01 | 4 |
| 2027Q3 | - | - | 0.273 | - | - | 290.26 | 4 |
| 2027Q4 | - | - | 0.227 | - | - | 283.07 | 2 |
| 2028Q1 | - | - | 0.203 | - | - | 343.14 | 1 |
| 2028Q2 | - | - | 0.250 | - | - | 322.69 | 1 |
| 2028Q3 | - | - | 0.212 | - | - | 339.87 | 1 |
| 2028Q4 | - | - | 0.158 | - | - | 316.31 | 1 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2025FY | 1.219 | 1.418 | 1.219 | 387.66 | 385.84 |
| 2026FY | - | -2.375 | - | - | 828.07 |
| 2027FY | - | 1.045 | - | - | 1,109 |
| 2028FY | - | 1.500 | - | - | 1,360 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | S | 2026-11-03 | 8 | 7 | 0 | 218.32 | 184.33 | 224.01 |
| 2026Q4 | S | 2026-11-02 | 8 | 1 | 0 | 186.11 | 183.4 | 199.13 |
| 2026Q4 | S | 2026-10-28 | 8 | 1 | 0 | 186.11 | 183.4 | 199.13 |
| 2026Q4 | S | 2026-10-21 | 8 | 2 | 0 | 186.11 | 183.4 | 199.13 |
| 2026Q4 | S | 2026-10-20 | 8 | 2 | 0 | 186.1 | 183.4 | 199 |
| 2026Q4 | S | 2026-10-18 | 8 | 2 | 0 | 186.11 | 183.4 | 199.13 |
| 2026Q4 | S | 2026-10-13 | 8 | 8 | 0 | 186.11 | 183.4 | 199.13 |
| 2026Q4 | S | 2026-09-28 | 8 | 8 | 0 | 185.96 | 183.39 | 199.13 |
| 2026Q4 | S | 2026-09-22 | 8 | 8 | 0 | 185.95 | 183.39 | 199 |
| 2026Q4 | S | 2026-08-25 | 8 | 8 | 0 | 184.07 | 183.39 | 185.07 |
| 2026Q4 | S | 2026-08-17 | 8 | 8 | 0 | 184.07 | 183.39 | 185.07 |
| 2026Q4 | S | 2026-08-14 | 8 | 8 | 0 | 184.03 | 183.39 | 185.07 |
| 2026Q4 | S | 2026-08-04 | 8 | 7 | 0 | 177.91 | 135 | 185.07 |
| 2026Q4 | S | 2026-08-02 | 8 | 0 | 0 | 134.54 | 132.85 | 137.6 |
Estimate history
| EPS, annual | 0.027 | 0.777 | 1.132 | -1.962 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Period | 2023 | 2024 | 2025 | TTM | |||||
| EPS, quarterly | 0.328 | 0.152 | 0.195 | 0.294 | 0.253 | 0.391 | -2.731 | 0.306 | 0.072 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Sales, annual | 159.754 | 254.926 | 387.608 | 727.95 | |||||
| Period | 2023 | 2024 | 2025 | TTM | |||||
| Sales, quarterly | 69.827 | 66.524 | 94.888 | 88.849 | 93.794 | 110.077 | 193.099 | 189.562 | 235.215 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Shares, annual | 62.87 | 62.87 | 62.87 | 64.984 | |||||
| Period | 2023 | 2024 | 2025 | MRQ | |||||
| Shares, quarterly | 62.87 | 62.87 | 62.87 | 62.87 | 62.87 | 62.87 | 62.994 | 63.759 | 64.984 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY |
|---|---|---|---|---|
| Total Revenue | 727.95 | 387.61 | 254.93 | 159.75 |
| Total Expenses | 844.83 | 314.69 | 206.18 | 162.66 |
| Operating Income | -116.88 | 72.92 | 48.75 | -2.91 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | -112.64 | 75.74 | 53.94 | 2.27 |
| Income Taxes | 4.99 | 4.59 | 5.10 | 0.59 |
| Consolidated Net Income | -117.63 | 71.15 | 48.83 | 1.69 |
| Net Income From Continuing Operations | -117.63 | 71.15 | 48.83 | 1.69 |
| Net Income | -123.27 | 71.15 | 48.83 | 1.69 |
| EPS (Recurring) | -1.90 | 1.13 | 0.78 | 0.03 |
| EPS (Basic, Before Extraordinaries) | -1.96 | 1.13 | 0.78 | 0.03 |
| EPS (Diluted) | -1.96 | 1.13 | 0.78 | 0.03 |
| Non-Operating Income (Expense) | 6.64 | 5.99 | 5.78 | 5.91 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 187.49 | 8.37 | 2.50 | 2.85 |
| Price To Sales Ratio | 3.00 | - | - | - |
| Gross Margin | 97.13 | 96.65 | 95.29 | 92.72 |
| Operating Margin | -16.06 | 18.81 | 19.12 | -1.82 |
| Net Margin | -16.93 | 18.36 | 19.16 | 1.06 |
| Shares Outstanding | 64.98 | 62.87 | 62.87 | 62.87 |
| Market Capitalization | 2,341.85 | 2,341.85 | - | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | 235.22 | 189.56 | 193.10 | 110.08 | 93.79 | 88.85 | 94.89 | 66.52 |
| Total Expenses | 231.37 | 171.44 | 356.41 | 85.61 | 76.72 | 70.01 | 82.35 | 54.02 |
| Operating Income | 3.85 | 18.12 | -163.31 | 24.47 | 17.07 | 18.84 | 12.54 | 12.50 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 5.46 | 19.32 | -162.55 | 25.12 | 17.74 | 19.77 | 13.11 | 13.71 |
| Income Taxes | 0.79 | -0.21 | 3.85 | 0.56 | 1.86 | 1.30 | 0.86 | 4.16 |
| Consolidated Net Income | 4.67 | 19.53 | -166.39 | 24.56 | 15.87 | 18.47 | 12.25 | 9.55 |
| Net Income From Continuing Operations | 4.67 | 19.53 | -166.39 | 24.56 | 15.87 | 18.47 | 12.25 | 9.55 |
| Net Income | 4.67 | 19.53 | -172.03 | 24.56 | 15.87 | 18.47 | 12.25 | 9.55 |
| EPS (Recurring) | 0.07 | 0.31 | -2.73 | 0.39 | 0.25 | 0.29 | 0.19 | 0.15 |
| EPS (Basic, Before Extraordinaries) | 0.07 | 0.31 | -2.73 | 0.39 | 0.25 | 0.29 | 0.19 | 0.15 |
| EPS (Diluted) | 0.07 | 0.31 | -2.73 | 0.39 | 0.25 | 0.29 | 0.19 | 0.15 |
| Non-Operating Income (Expense) | 1.97 | 1.82 | 1.43 | 1.42 | 1.45 | 1.57 | 1.54 | 1.35 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 22.99 | 12.22 | 152.25 | 0.03 | 0.21 | 0.38 | 7.75 | 0.71 |
| Price To Earnings Ratio | - | - | 9.87 | 9.63 | - | - | - | - |
| Price To Sales Ratio | 3.00 | 1.97 | 1.45 | - | - | - | - | - |
| Gross Margin | 97.21 | 96.90 | 97.49 | 96.72 | 96.55 | 96.82 | 96.93 | 95.75 |
| Operating Margin | 1.64 | 9.56 | -84.58 | 22.23 | 18.20 | 21.21 | 13.21 | 18.79 |
| Net Margin | 1.99 | 10.30 | -89.09 | 22.31 | 16.92 | 20.79 | 12.91 | 14.35 |
| Shares Outstanding | 64.98 | 63.76 | 62.99 | 62.87 | 62.87 | 62.87 | 62.87 | 62.87 |
| Market Capitalization | 2,341.85 | 1,142.72 | 702.25 | 685.28 | - | - | - | - |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY |
|---|---|---|---|
| Cash & Short Term Investments | 125.97 | 103.35 | 128.98 |
| Short Term Receivables | 289.50 | 218.48 | 136.97 |
| Investment Securities | 0.00 | 0.00 | 0.00 |
| Securities In Custody | 0.00 | 0.00 | 0.00 |
| Investments | 31.47 | 35.00 | 0.00 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 10.37 | 9.96 | 9.09 |
| Deferred Tax Assets | 49.47 | 36.20 | 3.00 |
| Other Intangible Assets | 58.03 | 29.09 | 4.62 |
| Total Assets | 564.80 | 432.08 | 282.66 |
| Total Debt | 26.61 | 36.16 | 7.10 |
| Long Term Debt | 13.74 | 26.03 | 5.24 |
| Provision for Risks Charges | 4.88 | 12.17 | 0.77 |
| Deferred Tax Liabilities | 58.00 | 40.11 | 3.00 |
| Other Liabilities | 95.44 | 46.80 | 26.97 |
| Total Liabilities | 184.92 | 135.24 | 37.84 |
| Preferred Stock - Carrying Value | 404.00 | 404.00 | 404.00 |
| Common Equity | -24.12 | -107.15 | -159.18 |
| Total Shareholders Equity | 379.88 | 296.85 | 244.82 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 |
| Total Equity | 379.88 | 296.85 | 244.82 |
| Total Liabilities & Stockholders Equity | 564.80 | 432.08 | 282.66 |
| Book Value Per Share | -0.38 | -1.70 | -2.53 |
| Tangible Book Value Per Share | -0.43 | -1.74 | -2.57 |
| Full-Time Employees | 614 | 383 | - |
| Price to Book Ratio | 4.57 | - | - |
| Return on Assets | 14.27 | 13.66 | - |
| Return on Equity | 21.03 | 18.03 | - |
| Return on Invested Capital | 18.08 | 15.12 | 0.68 |
| Quick Ratio | 2.17 | 2.59 | 5.49 |
| Current Ratio | 2.17 | 2.59 | 5.49 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY |
|---|---|---|---|---|
| Funds from Operations | 132.27 | 94.29 | 58.65 | 8.16 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -19.73 | -58.06 | -69.56 | -45.29 |
| Cash from Operating Activities | 112.55 | 36.23 | -10.91 | -37.12 |
| Capital Expenditures | -11.85 | -6.28 | -1.03 | -0.32 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -60.99 | 38.14 | 0.13 | -8.84 |
| Purchase of Investments | -156.59 | -66.71 | -158.23 | -158.78 |
| Sale Or Maturity of Investments | 95.60 | 104.85 | 158.36 | 149.94 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -72.84 | 31.87 | -0.90 | -9.16 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 89.37 | -5.10 | 0.21 | 0.33 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 89.37 | -5.10 | 0.21 | 0.33 |
| Proceedsfrom Stock Options | 85.76 | -6.16 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | -14.35 | -6.95 | 21.65 | -1.97 |
| Change in Long Term Debt | -14.35 | -6.95 | 21.65 | -1.97 |
| Issuance of Long Term Debt | - | 5.00 | 23.55 | - |
| Reduction of Long Term Debt | -14.35 | -11.95 | -1.90 | -1.97 |
| Net Financing Active Other Cash Flow | -49.09 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | -49.09 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 25.94 | -12.05 | 21.86 | -1.64 |
| Exchange Rate Effect | -0.12 | -0.03 | - | - |
| Net Change in Cash | 65.53 | 56.02 | 10.05 | -47.92 |
| Free Cash Flow | 101.19 | 30.45 | -11.68 | -37.45 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 21.56 | - | - | - |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 221.46 | 168.32 | 144.60 | 125.97 | 129.74 | 129.02 |
| Short Term Receivables | 432.79 | 381.49 | 344.74 | 289.50 | 265.63 | 252.77 |
| Investments | 68.61 | 84.54 | 79.20 | 31.47 | 31.45 | 31.75 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 13.45 | 12.61 | 12.18 | 10.37 | 10.38 | 9.69 |
| Deferred Tax Assets | - | - | - | 49.47 | - | - |
| Other Intangible Assets | 72.21 | 49.13 | 38.64 | 58.03 | 51.10 | 42.99 |
| Total Assets | 808.52 | 696.08 | 619.36 | 564.80 | 488.30 | 466.23 |
| Total Debt | 16.87 | 20.00 | 23.23 | 26.61 | 30.36 | 32.85 |
| Long Term Debt | 7.68 | 9.48 | 11.38 | 13.74 | 17.02 | 19.80 |
| Provision for Risks Charges | 77.33 | 43.20 | 21.86 | 4.88 | 1.21 | 12.99 |
| Deferred Tax Liabilities | 11.87 | 11.39 | 11.70 | 58.00 | 7.39 | 5.52 |
| Other Liabilities | 190.30 | 145.32 | 121.24 | 95.44 | 94.27 | 75.87 |
| Total Liabilities | 296.37 | 219.92 | 178.04 | 184.92 | 133.22 | 127.24 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 404.00 | 404.00 | 404.00 |
| Common Equity | 512.15 | 476.17 | 441.32 | -24.12 | -48.92 | -65.01 |
| Total Shareholders Equity | 512.15 | 476.17 | 441.32 | 379.88 | 355.08 | 338.99 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 512.15 | 476.17 | 441.32 | 379.88 | 355.08 | 338.99 |
| Total Liabilities & Stockholders Equity | 808.52 | 696.08 | 619.36 | 564.80 | 488.30 | 466.23 |
| Book Value Per Share | 7.88 | 7.47 | 7.01 | -0.38 | -0.78 | -1.03 |
| Tangible Book Value Per Share | 7.84 | 7.42 | 6.96 | -0.43 | -0.82 | -1.07 |
| Full-Time Employees | - | - | - | 614 | 548 | 493 |
| Price to Book Ratio | 4.57 | 2.59 | -29.12 | -28.42 | - | - |
| Return on Assets | -18.14 | -18.31 | - | 14.81 | - | - |
| Return on Equity | -27.13 | -26.11 | - | 21.03 | - | - |
| Return on Invested Capital | 0.90 | 4.02 | -36.75 | 6.24 | 4.27 | 5.15 |
| Quick Ratio | 1.47 | 1.52 | 1.67 | 2.17 | 2.17 | 2.24 |
| Current Ratio | 1.47 | 1.52 | 1.67 | 2.17 | 2.17 | 2.24 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 36.25 | 36.78 | 31.48 | 27.77 | 19.89 | - |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Changes in Working Capital | 4.49 | -1.12 | -0.27 | -22.83 | -12.64 | - |
| Cash from Operating Activities | 40.73 | 35.66 | 31.21 | 4.94 | 7.25 | - |
| Capital Expenditures | -2.66 | -2.09 | -1.93 | -5.18 | -0.52 | - |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Purchase or Sale of Investments | 0.16 | -24.90 | -50.17 | 13.93 | 2.42 | - |
| Purchase of Investments | -23.14 | -45.20 | -77.19 | -11.05 | -31.65 | - |
| Sale Or Maturity of Investments | 23.30 | 20.30 | 27.02 | 24.98 | 34.07 | - |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Cash from Investing Activities | -2.51 | -26.99 | -52.10 | 8.75 | 1.90 | - |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Preferred Dividends (Cash Flow) | - | - | - | 0.00 | 0.00 | - |
| Change in Capital Stock | 2.65 | -1.00 | 90.44 | -2.72 | -2.05 | - |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Sale of Common Pref Stock | 2.65 | -1.00 | 90.44 | -2.72 | -2.05 | - |
| Proceedsfrom Stock Options | 0.00 | -1.04 | 89.78 | -2.98 | -2.06 | - |
| Issuance or Reduction of Debt, Net | -3.22 | -3.40 | -3.57 | -4.15 | -3.09 | - |
| Change in Long Term Debt | -3.22 | -3.40 | -3.57 | -4.15 | -3.09 | - |
| Issuance of Long Term Debt | - | - | - | 0.00 | 0.00 | - |
| Reduction of Long Term Debt | -3.22 | -3.40 | -3.57 | -4.15 | -3.09 | - |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | -49.09 | 0.00 | 0.00 | - |
| Other Financing Activities Uses | 0.00 | 0.00 | -49.09 | 0.00 | 0.00 | - |
| Cash from Financing Activities | -0.57 | -4.41 | 37.78 | -6.87 | -5.14 | - |
| Exchange Rate Effect | -0.02 | -0.01 | -0.08 | -0.01 | - | - |
| Net Change in Cash | 37.64 | 4.25 | 16.82 | 6.82 | 3.98 | - |
| Free Cash Flow | 38.07 | 33.57 | 29.28 | 0.27 | 6.72 | - |
| Price to Free Cash Flow | 21.56 | 16.56 | - | - | - | - |
Revenue breakdown
| Insurance Agents, Brokers & Service | 2024: 254.93M 2025: 387.61M |
|---|---|
| United States | 2024: 254.93M 2025: 387.61M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 21.90% | 3.7M | 16.8M | 1.58M |
| 2026-10-15 | 24.63% | 4.1M | 16.7M | 1.44M |
| 2026-09-30 | 28.57% | 3.7M | 13.0M | 1.30M |
| 2026-09-15 | 14.01% | 1.8M | 13.0M | 1.06M |
| 2026-08-31 | 9.64% | 1.3M | 13.1M | 921.14K |
| 2026-08-14 | 9.24% | 1.2M | 12.7M | 774.97K |
| 2026-07-31 | 13.78% | 1.7M | 12.6M | 568.68K |
| 2026-07-15 | 15.95% | 1.9M | 11.8M | 538.22K |
| 2026-06-30 | 11.64% | 1.6M | 13.5M | 523.33K |
| 2026-06-15 | 10.97% | 1.4M | 12.8M | 554.23K |
| 2026-05-29 | 8.17% | 1.1M | 13.4M | 553.32K |
| 2026-05-15 | 8.81% | 1.2M | 13.4M | 534.07K |
| 2026-04-30 | 14.71% | 1.9M | 12.9M | 474.65K |
| 2026-04-15 | 15.74% | 2.0M | 12.9M | 589.59K |
| 2026-03-31 | 24.28% | 2.3M | 9.3M | 619.29K |
| 2026-03-13 | 8.15% | 0.8M | 9.3M | 624.13K |
| 2026-02-27 | 4.78% | 0.4M | 9.2M | 713.53K |
| 2026-02-13 | 3.97% | 0.4M | 9.2M | 952.16K |
| 2026-01-30 | 4.89% | 0.6M | 11.4M | 2.97M |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 20.00 | 17.00 | 19.80 | 0.00 | 4.776 | 0.00 | 0.00 | 0.969 | -0.059 | 0.004 |
| call | 22.50 | 14.50 | 17.30 | 0.00 | 4.104 | 0.00 | 0.00 | 0.963 | -0.057 | 0.005 |
| call | 25.00 | 12.00 | 14.80 | 18.10 | 3.575 | 1.00 | 0.00 | 0.955 | -0.055 | 0.006 |
| call | 30.00 | 7.30 | 9.60 | 9.20 | 2.323 | 4,505 | 8.00 | 0.931 | -0.049 | 0.008 |
| call | 35.00 | 2.65 | 4.50 | 3.60 | 1.323 | 2,289 | 8.00 | 0.668 | -0.182 | 0.021 |
| call | 40.00 | 0.10 | 0.65 | 0.60 | 0.665 | 6,846 | 183 | 0.313 | -0.084 | 0.021 |
| call | 45.00 | 0.00 | 0.35 | 0.05 | 0.959 | 1,945 | 0.00 | 0.132 | -0.068 | 0.013 |
| call | 50.00 | 0.00 | 0.75 | 0.05 | 0.904 | 5,309 | 0.00 | 0.026 | -0.018 | 0.004 |
| call | 55.00 | 0.00 | 0.75 | 0.02 | 1.149 | 278 | 0.00 | 0.021 | -0.020 | 0.003 |
| call | 60.00 | 0.00 | 0.75 | 0.08 | 1.364 | 6.00 | 0.00 | 0.018 | -0.020 | 0.003 |
| put | 20.00 | 0.00 | 0.75 | 0.05 | 2.433 | 1.00 | 0.00 | -0.031 | -0.057 | 0.004 |
| put | 22.50 | 0.00 | 0.75 | 0.00 | 2.039 | 0.00 | 0.00 | -0.037 | -0.055 | 0.005 |
| put | 25.00 | 0.00 | 0.75 | 0.85 | 1.682 | 2.00 | 0.00 | -0.045 | -0.052 | 0.006 |
| put | 30.00 | 0.00 | 0.20 | 0.05 | 1.046 | 511 | 2.00 | -0.069 | -0.046 | 0.008 |
| put | 35.00 | 0.20 | 2.25 | 1.10 | 1.523 | 116 | 0.00 | -0.332 | -0.178 | 0.021 |
| put | 40.00 | 1.60 | 3.50 | 4.10 | 0.891 | 119 | 0.00 | -0.687 | -0.080 | 0.021 |
| put | 45.00 | 5.20 | 8.00 | 9.36 | 1.191 | 59.00 | 0.00 | -0.868 | -0.063 | 0.013 |
| put | 50.00 | 10.30 | 13.00 | 15.22 | 1.603 | 1.00 | 0.00 | -0.974 | -0.013 | 0.004 |
| put | 55.00 | 15.20 | 18.00 | 0.00 | 1.948 | 0.00 | 0.00 | -0.979 | -0.013 | 0.003 |
| put | 60.00 | 20.30 | 23.00 | 0.00 | 2.246 | 0.00 | 0.00 | -0.982 | -0.014 | 0.003 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-06 | SCHEDULE 13G/A | SEC | ||
| 2026-11-04 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-11-02 | 8-K | Current report | 2026-11-02 | SEC |
| 2026-10-16 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-14 | SEC |
| 2026-10-16 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-15 | SEC |
| 2026-10-16 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-15 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-15 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-14 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-09 | 8-K | Current report | 2026-09-30 | SEC |
| 2026-09-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-16 | SEC |
| 2026-09-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-17 | SEC |
| 2026-09-18 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-17 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-17 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-16 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-16 | 8-K | Current report | 2026-09-16 | SEC |
| 2026-09-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-08 | SEC |
| 2026-09-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-08 | SEC |
| 2026-08-25 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-21 | SEC |
| 2026-08-25 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-21 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-19 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-20 | SEC |
| 2026-08-21 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-20 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-19 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-19 | SEC |
| 2026-08-20 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-20 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-20 | 144 | Filing for proposed sale of securities under Rule 144. | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 9.15M | 4 |
| 2026-09 | 0 | 0 | 7.31M | 4 |
| 2026-08 | 0 | 0 | 22.01M | 14 |
| 2026-07 | 0 | 0 | 11.67M | 10 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 7.72M | 6 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 10.00M | 3 | 41.76M | 4 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| SOFTBANK GROUP CORP. | 4.97% |
| Divisadero Street Capital Management, LP | 2.60% |
| T. Rowe Price Investment Management, Inc. | 2.51% |
| FMR LLC | 2.33% |
| Capital World Investors | 2.09% |
| GLADE BROOK CAPITAL PARTNERS LLC | 1.36% |
| Jefferies Financial Group Inc. | 1.22% |
| Alphabet Inc. | 0.90% |
| VANGUARD CAPITAL MANAGEMENT LLC | 0.77% |
| GLYNN CAPITAL MANAGEMENT LLC | 0.75% |
Funds
| Fund | % owned |
|---|---|
| SMALLCAP World Fund Inc | 2.09% |
| T. Rowe Price Small-Cap Value Fund, Inc. | 1.21% |
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 0.56% |
| Calamos Timpani Small Cap Growth Fund | 0.42% |
| Federated Hermes Kaufmann Small Cap Fund | 0.32% |
| Neuberger Small Cap Growth Fund | 0.20% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.19% |
| Allspring Emerging Growth Fund | 0.19% |
| Allspring VT Small Cap Growth Fund | 0.19% |
| Small Cap Value Portfolio | 0.09% |
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