Ethos Technologies (LIFE) Balance Sheet: Assets & Liabilities

Ethos Technologies (LIFE) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Ethos Technologies reported total assets of $515.34M and total liabilities of $135.46M. Shareholders' equity was $379.88M, up 442.5% from $70.02M a year earlier. Total debt stood at $2.35M against $125.97M in cash and short-term investments, a net cash position of $123.61M. That puts debt-to-equity at 0.01, compared with 0.19 a year earlier.

Ethos Technologies Balance Sheet Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Ethos Technologies Inc. (LIFE) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	91.09	11.06	22.54	9.98	2.34	16.95	9.21	22.96	21.09
Short-Term Investments	34.88	0.00	75.62	56.17	105.58	14.74	21.93	26.58	64.03
Cash & Short-Term Investments	125.97	11.06	98.17	66.15	107.91	31.69	31.14	49.55	85.12
Accounts Receivable	65.28	1.74	2.44	11.78	0.44	2.04	0.00	0.00	0.00
Inventory	0.00	0.00	0.00	-2.95	0.00	0.00	0.00	0.00	0.00
Other Current Assets	7.02	69.16	2.39	6.12	5.38	2.02	0.78	1.26	1.87
Total Current Assets	245.80	81.95	102.99	81.09	113.73	35.74	31.93	49.55	85.12
Non-Current Assets
Property, Plant & Equipment (Net)	10.37	11.86	14.05	11.56	1.81	2.98	4.09	1.85	2.28
Long-Term Investments	31.47	0.00	3.48	0.00	0.00	0.00	0.00	0.00	0.00
Goodwill	2.24	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Intangible Assets	0.66	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Non-Current Assets	0.57	3.02	-1.28	3.14	0.00	0.00	0.17	1.35	1.96
Total Non-Current Assets	269.53	14.88	17.66	14.70	1.81	2.98	4.26	3.20	4.24
Total Assets	515.34	96.83	120.65	95.79	115.54	38.73	36.19	52.75	89.36
Current Liabilities
Accounts Payable	55.07	4.32	3.53	3.11	1.03	1.43	0.85	1.04	2.28
Short-Term Debt	1.13	1.25	1.33	0.89	0.98	0.86	9.49	7.77	5.01
Accrued Liabilities	39.22	19.22	11.92	-	-	-	-	-	-
Deferred Revenue	11.75	0.00	0.00	0.00	0.00	0.00	0.21	0.00	0.00
Other Current Liabilities	5.86	9.39	11.56	9.86	4.00	3.57	2.38	2.03	3.10
Total Current Liabilities	113.19	14.97	16.42	13.86	6.01	5.86	12.92	10.83	10.39
Non-Current Liabilities
Long-Term Debt	1.23	12.03	13.77	10.64	0.40	1.38	2.24	8.26	14.72
Deferred Tax Liabilities	8.53	0.00	1.41	0.00	0.00	0.00	0.00	0.00	0.00
Other Non-Current Liabilities	12.51	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Non-Current Liabilities	426.26	12.03	15.18	10.64	0.40	1.38	2.24	8.26	14.72
Total Liabilities	135.46	26.81	30.18	24.50	6.41	7.24	15.16	19.10	25.11
Stockholders' Equity
Common Stock	0.00	0.08	0.06	0.03	0.03	0.01	0.00	0.03	0.03
Retained Earnings	-102.51	-532.05	-468.02	-417.63	-372.30	-338.53	-322.30	-298.70	-264.19
Accumulated Other Comprehensive Income	-0.55	-0.04	-0.07	-0.43	-0.26	-0.04	-0.04	-0.06	-0.12
Additional Paid-in Capital	78.95	602.02	558.69	489.50	481.83	370.21	343.52	332.38	328.52
Minority Interest	0.00	-0.19	-0.19	-0.18	-0.18	-0.17	-0.16	0.00	0.00
Shares Outstanding	62.56	62.56	62.56	-	-	-	-	-	-
Total Stockholders' Equity	379.88	70.02	90.66	71.28	109.13	31.65	21.03	33.65	64.25
Total Liabilities & Equity	515.34	96.83	120.65	95.79	115.54	38.73	36.19	52.75	89.36

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Ethos Technologies Balance Sheet

How much debt does Ethos Technologies have?

Ethos Technologies had total debt of $2.35M as of Dec 31, 2025, against $125.97M in cash and short-term investments. Its debt-to-equity ratio was 0.01. Total debt was $13.28M a year earlier.

What are Ethos Technologies's total assets?

Ethos Technologies reported total assets of $515.34M as of Dec 31, 2025, up 432.2% from $96.83M a year earlier. Total liabilities were $135.46M.

What is Ethos Technologies's shareholders' equity?

Ethos Technologies's shareholders' equity was $379.88M as of Dec 31, 2025, or about $6.07 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition