Ethos Technologies Inc. (LIFE) vs Upstart Holdings, Inc. (UPST)
A side-by-side comparison of Ethos Technologies Inc. and Upstart Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — LIFE vs UPST
growth of $100 · dividends reinvested · last 1yLIFE vs UPST: by the numbers
- •UPST is the larger company ($2.29B vs $2.21B market cap).
- •UPST is profitable (4.69% net margin) while LIFE runs a net loss (-18.14%).
Metrics side by side
Valuation
| Metric | LIFE | UPST |
|---|---|---|
| P/E ratio | N/A | 46.85 |
| Forward P/E | N/A | 35.34 |
| PEG ratio | N/A | 3.26 |
| P/S ratio | 3.77 | 1.78 |
| P/B ratio | 4.65 | 2.88 |
| FCF yield | 3.20% | N/A |
Profitability
| Metric | LIFE | UPST |
|---|---|---|
| Gross margin | 97.07% | N/A |
| Operating margin | 18.81% | 4.80% |
| Net margin | -18.14% | 4.69% |
| ROE | -22.35% | 7.57% |
| ROIC | -14.89% | N/A |
Upstart Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Growth (annualized)
| Metric | LIFE | UPST |
|---|---|---|
| Revenue CAGR (5Y) | N/A | 22.79% |
| EPS CAGR (5Y) | N/A | 15.71% |
| Total return CAGR (5Y) | N/A | -39.34% |
Frequently asked
- Is LIFE or UPST more profitable?
- UPST runs the higher net margin — LIFE at -18.14% versus UPST at 4.69%.
Go deeper
Dig into the metrics
Ethos Technologies & Upstart appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.