Ethos Technologies Inc. (LIFE) vs LendingTree, Inc. (TREE)

Ethos Technologies Inc. and LendingTree, Inc. are both Insurance Brokers companies. Ethos Technologies Inc. is the larger, with a market value of $2.8B against $392.3M — 7.2× the size. Ethos Technologies Inc. has negative trailing earnings, so its P/E is not meaningful; LendingTree, Inc. trades at 2.0×. LendingTree, Inc. has the higher net margin (14.3% vs −18.8%) and the higher return on invested capital (10.8% vs −2.79%). Across the 16 metrics below, LendingTree, Inc. leads on 11 and Ethos Technologies Inc. on 5.

Valuation

Metric LIFE TREE Insurance Brokers median
P/E n/m 2.04 25.10
P/S 4.61 0.30 2.98
P/B 5.63 1.17 3.18
Price to free cash flow 23.64 4.93 22.89
EV/EBITDA n/m — —
EV/Sales 3.90 — —
Earnings yield (1.57%) 49.05% 2.74%
Free cash flow yield 4.23% 20.28% 3.19%

Profitability

Metric LIFE TREE Insurance Brokers median
Gross margin 100.00% 96.41% 49.44%
Operating margin (2.80%) 8.19% 15.48%
Net margin (18.82%) 14.32% 8.78%
Free cash flow margin 19.49% 6.02% 5.26%
Return on equity 0.00% 82.78% 3.24%
Return on assets (31.45%) 20.79% 2.51%
Return on invested capital (2.79%) 10.82% 5.83%

Growth

Metric LIFE TREE Insurance Brokers median
Revenue growth (TTM) — 25.29% 9.77%
EPS growth (last fiscal year) 43.90% 443.31% (8.67%)
Revenue growth, 5-year CAGR — 4.19% 9.30%
Net income growth, 5-year CAGR — 0.00% 0.00%

Health

Metric LIFE TREE Insurance Brokers median
Debt to equity 0.00 1.22 0.49
Current ratio 3.25 1.85 1.60
Net debt to EBITDA (1.17) 3.51 1.20

Dividend

Metric LIFE TREE Insurance Brokers median
Dividend yield — — 1.17%
Payout ratio — — 0.33

Size

Metric LIFE TREE Insurance Brokers median
Market cap 2.82b 392.27m 2.82b

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