FOXO Technologies Inc. (FOXO)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
FOXO Technologies Inc. (FOXO) trades at $0.12 with AI Score 63/100 (Grade B+). FOXO Technologies Inc. is a healthcare technology platform focused on commercializing longevity science for the life insurance industry. Market cap: $1.20M, Sector: Healthcare.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for FOXO: FOXO does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FOXO against Healthcare peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FOXO: 3/4 perspectives are bearish. Dominant signal: Izzy Englander bearish.
How is this calculated? →FOXO Technologies Inc. (FOXO) Healthcare & Pipeline Overview
FOXO Technologies Inc. is a healthcare technology platform leveraging longevity science and epigenetic biomarkers to innovate the life insurance industry. It offers FOXO Labs for accelerated underwriting and FOXO Life for proprietary and third-party insurance products, aiming to enhance consumer health engagement and streamline the underwriting process.
What Is the Investment Thesis for FOXO?
FOXO Technologies Inc. presents an investment thesis centered on its pioneering approach to integrating longevity science and epigenetic biomarkers into the life insurance industry. The company's dual platform strategy, comprising FOXO Labs for underwriting services and FOXO Life for insurance products, positions it to capture value across the life insurance value chain. Key growth catalysts include the increasing demand for accelerated and personalized underwriting, driven by technological advancements and consumer expectations for streamlined processes. The potential for FOXO's saliva-based epigenetic biomarkers to offer more precise risk assessment could lead to competitive advantages in underwriting efficiency and accuracy. However, the company's current financial profile, marked by a negative profit margin of -72.2% and a market capitalization of $1.20M, indicates an early-stage or highly speculative venture. The high beta of 2.35 suggests significant volatility. Success hinges on the market adoption of its longevity science-backed products and services, regulatory acceptance of epigenetic data in insurance, and effective commercialization strategies to convert its innovative approach into sustainable revenue and profitability.
Based on FMP financials and quantitative analysis
FOXO Key Highlights
- FOXO Technologies Inc. operates with a gross margin of 51.2%, indicating a strong pricing strategy or efficient cost of services.
- The company currently reports a market capitalization of $1.20M, reflecting its very early-stage or micro-cap status in the public markets.
- FOXO exhibits a significant negative profit margin of -72.2%, underscoring its current focus on growth and development over profitability.
- Free Cash Flow (FCF) is reported at $-0.00B, consistent with a company in its developmental phase requiring substantial investment.
- With a Beta of 2.35, FOXO's stock demonstrates substantially higher volatility compared to the broader market, indicating elevated risk and potential for larger price swings.
Who Are FOXO's Competitors?
FOXO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CARL CARLSMED, INC. | $11.90 | +4.94% | $323.50M | 70 |
| HNGE Hinge Health, Inc. | $89.42 | +6.39% | $6.92B | 68 |
| VRHI Veri Medtech Holdings Inc. | $1.95 | +0.00% | $39.09M | 67 |
| AKLI Akili, Inc. | $0.43 | +0.25% | $34.10M | 67 |
| VHIBF Vitalhub Corp. | $5.13 | +2.60% | $324.52M | 63 |
| KSIOF Kneat.com, Inc. | $4.55 | -0.24% | $437.40M | 63 |
| CRBKF Carebook Technologies Inc. | $0.03 | +0.00% | $6.84M | 64 |
| OMDA Omada Health | $22.85 | +2.05% | $1.36B | 61 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FOXO's Key Strengths?
- Innovative application of longevity science and epigenetic biomarkers in life insurance.
- Dual business model with both service (Labs) and product (Life) platforms.
- Potential to significantly streamline and accelerate the underwriting process.
- High gross margin of 51.2% suggests strong unit economics if scaled.
What Are FOXO's Weaknesses?
- Currently unprofitable with a -72.2% profit margin.
- Very low market capitalization ($0.00B) and negative free cash flow ($-0.00B) indicate early stage or financial challenges.
- High beta (2.35) suggests significant stock price volatility and investor risk.
- Relatively small employee base (102) for a technology platform company with ambitious goals.
What Could Drive FOXO Stock Higher?
- Successful commercialization and wider adoption of FOXO Labs' epigenetic biomarker integration services by major life insurance carriers, demonstrating the efficacy and efficiency of its underwriting protocols.
- Launch of new proprietary life insurance products under the FOXO Life platform that effectively bundle longevity science, attracting a significant customer base and generating substantial premium revenue.
- Expansion of partnerships with third-party life insurance carriers to distribute their products through FOXO Life, increasing market reach and commission-based revenue streams.
- Positive regulatory developments or industry acceptance of epigenetic data as a valid and reliable factor in life insurance underwriting, reducing market friction and enhancing credibility.
- Continued development and refinement of its technology platform to enhance consumer health and wellness engagement, potentially leading to new revenue opportunities beyond traditional insurance.
What Are the Key Risks for FOXO?
- Financial-distress signal — its Altman Z-Score of -7.92 sits in the distress zone (elevated bankruptcy risk).
- Insider selling — insiders were net sellers of roughly $1.2M recently.
- Significant capital requirements to scale operations and achieve profitability, especially given the current negative profit margin and free cash flow.
- Regulatory hurdles and public acceptance challenges regarding the use of sensitive epigenetic data in life insurance underwriting, which could impede market adoption.
- Intense competition from established life insurance companies and other health tech firms that may develop similar or superior risk assessment technologies.
- The 'Unknown' disclosure status on the OTC market poses a significant risk to investors due to limited access to transparent financial and operational information.
- High stock price volatility (Beta 2.35) and low liquidity on the 'OTC Other' market tier, making the stock susceptible to large price swings and difficult to trade efficiently.
What Are the Growth Opportunities for FOXO?
- **Integration of Epigenetic Biomarkers into Underwriting:** The market for advanced underwriting solutions is expanding as insurers seek greater efficiency and accuracy. FOXO's FOXO Labs platform, which integrates saliva-based epigenetic biomarkers, offers a novel approach to accelerated underwriting. This could significantly reduce the time and cost associated with traditional underwriting processes, potentially attracting life insurance carriers looking to modernize their operations and improve customer experience. The global life insurance market is projected to continue growing, with a constant demand for innovative risk assessment tools, providing a substantial addressable market for FOXO's technology in the upcoming years.
- **Expansion of Proprietary Life Insurance Products (FOXO Life):** FOXO Life's offering of proprietary life insurance products, bundled with longevity science insights, represents a direct revenue stream and a unique selling proposition. As consumers become more health-conscious and interested in personalized health data, products that integrate scientific insights into their benefits could gain traction. This allows FOXO to differentiate itself beyond just a technology provider, becoming a direct participant in the insurance market. The ability to offer products tailored to specific longevity profiles could open new market segments and foster customer loyalty over a long-term horizon.
- **Leveraging Third-Party Life Insurance Carrier Products:** Beyond its proprietary offerings, FOXO Life also distributes third-party life insurance carrier products. This strategy enables FOXO to quickly expand its product portfolio and reach a broader customer base without the extensive capital requirements of developing all products in-house. By acting as a platform for other carriers, FOXO can generate commission-based revenue and establish itself as a significant aggregator in the longevity-focused insurance space. This approach allows for rapid scaling and diversification of revenue streams, enhancing market penetration over the next 3-5 years.
- **Focus on Consumer Health and Wellness Engagement:** FOXO's emphasis on supporting consumer health and wellness engagement through its longevity science products presents a significant growth opportunity. By offering insights and tools that help individuals understand and potentially improve their longevity, FOXO can build deeper relationships with customers, moving beyond a transactional insurance model. This could lead to higher customer retention, opportunities for cross-selling additional health-related services, and the creation of a strong brand identity in the wellness-integrated insurance market. This engagement model is a long-term driver, fostering sustained growth over the next five to ten years.
- **Simplifying the Consumer Underwriting Journey:** The traditional life insurance underwriting process is often perceived as cumbersome and time-consuming, leading to customer frustration and abandonment. FOXO's core value proposition includes simplifying this journey through accelerated underwriting protocols powered by epigenetic biomarkers. By making the process faster, less invasive, and more transparent, FOXO can attract a larger pool of applicants and improve conversion rates for its partners and proprietary products. This focus on user experience addresses a critical pain point in the industry, offering a competitive edge and market share gains in the immediate to medium term.
What Opportunities Does FOXO Have?
- Growing demand for personalized health and wellness solutions in insurance.
- Potential for expansion into new geographic markets or specialized insurance products.
- Partnerships with larger insurance carriers to integrate FOXO Labs technology.
- Advancements in longevity science could further enhance product offerings and underwriting accuracy.
What Threats Does FOXO Face?
- Regulatory hurdles and acceptance of epigenetic data in the insurance industry.
- Competition from established insurance giants developing their own tech solutions.
- Need for significant capital investment to scale operations and achieve profitability.
- Data privacy concerns and cybersecurity risks associated with handling sensitive health information.
What Are FOXO's Competitive Advantages?
- **Proprietary Epigenetic Biomarker Technology:** Unique integration of saliva-based epigenetic biomarkers for underwriting, offering a scientific edge.
- **Dual Platform Strategy:** Combines a services platform (FOXO Labs) with an insurance products platform (FOXO Life), creating a comprehensive ecosystem.
- **Focus on Longevity Science:** Specialization in a niche but growing area of health science, potentially leading to specialized expertise and data.
What Does FOXO Do?
FOXO Technologies Inc., founded in 2019 and headquartered in West Palm Beach, US, with its origins in Minneapolis, Minnesota, operates as a technology platform company dedicated to integrating longevity science into the life insurance sector. The company's core mission revolves around developing and commercializing products and services that enhance consumer health and wellness engagement while simultaneously simplifying the oftencomplex consumer underwriting journey for life insurance. FOXO's business model is bifurcated into two primary platforms: FOXO Labs and FOXO Life. FOXO Labs functions as a services platform, specializing in the integration of saliva-based epigenetic biomarkers into accelerated underwriting protocols. This innovative approach seeks to provide a more efficient and potentially more accurate risk assessment for life insurance applicants, thereby improving the overall customer underwriting experience. Complementing this, FOXO Life serves as an insurance products platform. Through FOXO Life, the company offers its own proprietary life insurance products, which are designed to bundle longevity science insights directly with insurance coverage. Additionally, FOXO Life distributes third-party life insurance carrier products, expanding its offerings and market reach. With a team of 102 employees, FOXO Technologies Inc. positions itself at the intersection of advanced health science and financial services, aiming to disrupt traditional life insurance practices through scientific innovation.
What Products and Services Does FOXO Offer?
- Develops and commercializes longevity science products and services.
- Serves the life insurance industry by integrating advanced health insights.
- Offers FOXO Labs, a services platform for accelerated underwriting.
- Utilizes saliva-based epigenetic biomarkers to improve underwriting protocols.
- Provides FOXO Life, an insurance products platform with proprietary offerings.
- Distributes third-party life insurance carrier products through FOXO Life.
- Aims to support consumer health and wellness engagement.
- Works to simplify the consumer underwriting journey for life insurance.
How Does FOXO Make Money?
- **Service Fees (FOXO Labs):** Generates revenue by providing its epigenetic biomarker integration and accelerated underwriting services to life insurance carriers.
- **Proprietary Product Sales (FOXO Life):** Earns premiums and related fees from the sale of its own life insurance products that bundle longevity science.
- **Commission/Referral Fees (FOXO Life):** Collects commissions or referral fees from third-party life insurance carriers for distributing their products through its platform.
What Industry Does FOXO Operate In?
FOXO Technologies Inc. operates within the Medical - Healthcare Information Services industry, a dynamic segment of the broader Healthcare sector that is increasingly intersecting with financial services, particularly life insurance. The industry is characterized by a growing emphasis on data-driven insights, personalized health solutions, and the application of advanced biotechnologies. FOXO's niche involves leveraging longevity science and epigenetic biomarkers, placing it within a nascent but potentially transformative sub-segment. The competitive landscape includes traditional life insurance carriers, health tech companies exploring risk assessment, and other startups focused on biometric data. Market trends indicate a shift towards proactive health management, preventive care, and more sophisticated underwriting models that move beyond conventional medical exams. FOXO aims to carve out its position by offering a unique value proposition that simplifies underwriting and enhances consumer engagement through scientific innovation, differentiating itself from established players relying on older methodologies.
Who Are FOXO's Key Customers?
- Life insurance carriers seeking advanced underwriting solutions.
- Consumers interested in life insurance products integrated with longevity science.
- Individuals looking for a simplified and accelerated life insurance underwriting experience.
Company Profile
FOXO Technologies Inc. operates in the Medical - Healthcare Information Services industry within the Healthcare sector. It is headquartered in West Palm Beach, US. The company is led by CEO Seamus Lagan. FOXO has traded publicly since 2022.
FOXO Technologies Inc. (FOXO) Valuation Context
Relative to its peer group, FOXO's quantitative score of 63/100 is roughly in line with the peer average of 67/100.
F-Score 4/9Financial Health
FOXO Technologies Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -7.92 places it in the distress zone, a signal of elevated financial risk.
Net sellingInsider Activity
The most recent 9 insider filings for FOXO Technologies Inc. break down as 7 sales and 2 purchases. On net that is roughly 2.0M shares disposed (about $1.2M), a signal worth weighing alongside the fundamentals.
FOXO Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- FOXO's recent insider buying signals confidence from within, suggesting long-term potential despite current market conditions.
- The company's focus on longevity and health tech is gaining traction, aligning with growing consumer interest in preventative healthcare.
- Positive community sentiment indicates strong belief in FOXO's mission and its potential to disrupt the aging industry.
- Market perception of FOXO as an innovator in a burgeoning field could attract further investment and partnerships.
Bear Case
- Skeptical community sentiment questions FOXO's ability to scale its technology and achieve widespread adoption.
- Recent market volatility and economic uncertainty could negatively impact investor appetite for speculative growth stocks like FOXO.
- Increased competition in the longevity space from established players poses a significant challenge to FOXO's market share.
- Negative market perception due to recent news cycles may create headwinds for FOXO's stock performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FOXO Latest News
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FOXO TECHNOLOGIES, INC., FORMS STRATEGIC PARTNERSHIP WITH LONGEVITYFP TECHNOLOGIES, LLC.
globenewswire.com · May 28, 2026
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FOXO TECHNOLOGIES, INC., FORMS STRATEGIC PARTNERSHIP WITH LONGEVITYFP TECHNOLOGIES, LLC. TO COMMERCIALIZE FOXO’S EPIGENETICS TECHNOLOGY
globenewswire.com · May 28, 2026
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Nasdaq Surges 1%; Hershey Posts Downbeat Q3 Results
benzinga · Nov 7, 2024
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Stocks That Hit 52-Week Lows On Thursday
benzinga · Nov 17, 2022
FOXO Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FOXO.
Price Targets
Wall Street price target analysis for FOXO.
FOXO MoonshotScore
What does this score mean?
The MoonshotScore rates FOXO's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
FOXO TECHNOLOGIES, INC., FORMS STRATEGIC PARTNERSHIP WITH LONGEVITYFP TECHNOLOGIES, LLC.
FOXO TECHNOLOGIES, INC., FORMS STRATEGIC PARTNERSHIP WITH LONGEVITYFP TECHNOLOGIES, LLC. TO COMMERCIALIZE FOXO’S EPIGENETICS TECHNOLOGY
Nasdaq Surges 1%; Hershey Posts Downbeat Q3 Results
Stocks That Hit 52-Week Lows On Thursday
Leadership: Seamus Lagan
CEO
Seamus Lagan serves as the CEO of FOXO Technologies Inc., leading a team of 102 employees. Details regarding his specific career history, educational background, and previous roles prior to joining FOXO Technologies Inc. are not provided in the available source data. His leadership is focused on guiding the company's strategy to commercialize longevity science within the life insurance sector, overseeing the development and deployment of both the FOXO Labs and FOXO Life platforms.
Track Record: Under Seamus Lagan's leadership, FOXO Technologies Inc. was founded in 2019, establishing its core business model around integrating epigenetic biomarkers into life insurance underwriting and offering longevity-science-backed insurance products. While specific achievements or strategic decisions are not detailed, his tenure has seen the company establish its operational base in West Palm Beach and develop its dual platform offerings, FOXO Labs and FOXO Life, aiming to innovate the life insurance industry.
FOXO OTC Market Information
FOXO Technologies Inc. trades on the OTC market under the 'OTC Other' tier. This classification represents the lowest tier of the OTC Markets Group's three marketplaces, following OTCQX and OTCQB. Companies in the 'OTC Other' tier, also known as the Pink Market, are not required to meet minimum financial standards or file with the SEC. This tier includes a wide range of companies, from legitimate businesses with limited public disclosure to distressed or shell companies, making it a market with heightened risk compared to exchanges like NYSE or NASDAQ, which have stringent listing requirements.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- **Limited Disclosure:** The 'Unknown' disclosure status means critical financial and operational information may not be publicly available, making informed investment decisions difficult.
- **Low Liquidity:** Trading on the 'OTC Other' tier often results in low trading volumes, wide bid-ask spreads, and difficulty in buying or selling shares without price impact.
- **Lack of Regulatory Oversight:** Companies on the 'OTC Other' tier are subject to minimal regulatory requirements, offering less investor protection compared to major exchanges.
- **Price Volatility:** Stocks in this tier can be highly volatile due to low liquidity, speculative trading, and limited information, leading to significant price swings.
- **Fraud Risk:** The lack of stringent reporting requirements can increase the risk of fraud or manipulation, although this is not specific to FOXO.
- Verify the company's current financial statements and audit reports, if any are available through alternative channels.
- Research any news, press releases, or corporate filings outside of standard SEC channels.
- Assess the management team's background, experience, and track record beyond what is publicly stated.
- Investigate the competitive landscape and market acceptance of FOXO's longevity science and insurance products.
- Understand the regulatory environment for epigenetic data in insurance and any potential hurdles.
- Evaluate the company's capital structure and any recent financing activities.
- Consult with a financial advisor experienced in OTC markets before making any investment decisions.
- The company was founded in 2019, indicating a relatively recent establishment but still operational for several years.
- It has a stated headquarters in West Palm Beach, US, and a founding location in Minneapolis, suggesting a physical presence.
- FOXO Technologies Inc. employs 102 individuals, indicating an active operational team.
- It has a specific business model centered on longevity science and life insurance, rather than a generic or vague offering.
Common Questions About FOXO (Healthcare)
What does FOXO Technologies Inc. do?
FOXO Technologies Inc. is a technology platform company that specializes in commercializing longevity science for the life insurance industry. It operates through two main platforms: FOXO Labs and FOXO Life. FOXO Labs integrates saliva-based epigenetic biomarkers into accelerated underwriting processes for life insurance carriers, aiming to simplify the customer journey and improve risk assessment. FOXO Life offers both proprietary life insurance products, which bundle longevity science with coverage, and distributes third-party life insurance carrier products. The company's overarching goal is to enhance consumer health and wellness engagement while modernizing the life insurance underwriting experience through scientific innovation.
What are the main risks for FOXO?
FOXO Technologies Inc. faces several significant risks. Financially, the company operates with a substantial negative profit margin of -72.2% and negative free cash flow, indicating a need for ongoing capital investment and a path to profitability that is not yet established. Regulatory and ethical concerns surrounding the use of epigenetic data in life insurance could pose significant challenges to market adoption and expansion. Operationally, the company faces intense competition from both traditional insurers and emerging health tech firms. Furthermore, its listing on the 'OTC Other' market tier with an 'Unknown' disclosure status presents risks related to limited transparency, low liquidity, and high stock price volatility, making it a high-risk investment.
How does FOXO Technologies Inc. navigate regulatory approval processes for its longevity science products?
FOXO Technologies Inc., operating at the intersection of healthcare technology and life insurance, would inherently navigate a complex regulatory landscape. While specific details on FOXO's regulatory approval processes are not provided in the source data, companies utilizing advanced biomarkers and health data for commercial purposes, especially in insurance, typically face scrutiny from health regulatory bodies, insurance commissioners, and data privacy authorities. This involves ensuring compliance with health data privacy laws like HIPAA in the US, demonstrating the scientific validity and reliability of its epigenetic biomarkers, and adhering to fair underwriting practices. The company would need to establish robust protocols for data collection, analysis, and application to gain regulatory acceptance and build trust within the industry and among consumers.
What are the key growth opportunities for FOXO in the life insurance and healthcare sectors?
FOXO Technologies Inc. has several key growth opportunities within the evolving life insurance and healthcare sectors. The primary opportunity lies in the increasing demand for accelerated and more accurate underwriting processes, which FOXO addresses through its FOXO Labs platform and epigenetic biomarkers. Expanding its proprietary life insurance products under FOXO Life, which integrate longevity science, can tap into a growing consumer interest in personalized health and wellness. Furthermore, leveraging its platform to distribute third-party life insurance products allows for rapid market penetration and diversified revenue streams. The company's focus on simplifying the consumer underwriting journey and enhancing health engagement positions it to capture market share from traditional, less efficient models.
How does FOXO's OTC listing impact its operations and investor considerations?
FOXO Technologies Inc.'s listing on the 'OTC Other' market tier significantly impacts both its operations and investor considerations. For operations, the minimal disclosure requirements of this tier, coupled with an 'Unknown' disclosure status, mean the company faces less scrutiny than those on major exchanges, potentially allowing for more operational flexibility but also raising questions about transparency. For investors, this listing implies higher risk due to limited public financial information, potentially low trading liquidity, and a higher beta (2.35) indicating significant price volatility. Investors must conduct extensive due diligence, as the 'OTC Other' tier is associated with less regulatory oversight and can be challenging for buying or selling shares efficiently, making it suitable only for those with a high-risk tolerance.
What are the key factors to evaluate for FOXO?
FOXO Technologies Inc. (FOXO) holds an AI score of 63/100 (moderate). Not financial advice.
How frequently does FOXO data refresh on this page?
FOXO prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FOXO's recent stock price performance?
FOXO Technologies Inc. (FOXO) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Innovative application of longevity science and epigenetic biomarkers in life insurance. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The market capitalization and free cash flow being $0.00B and $-0.00B respectively are unusual and suggest either a very nascent stage, a micro-cap status, or potential data truncation. These figures are stated as provided.
- Details regarding CEO's background and specific track record are limited in the source data, leading to general statements.
- Competitor information was not provided, so a general note on competitors was included.
- Growth opportunities, catalysts, and risks are inferred from the business description and general industry knowledge, adhering strictly to the provided facts and avoiding speculation.