FOXO Technologies

FOXO

Medical - Healthcare Information Services · Healthcare

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Weak

Growth

Good

Cash Flow

Weak

Stability

Mixed

Valuation

Good

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Winston Score History

The full picture

FOXO Technologies is a small healthcare technology company that uses science called epigenetics to help life insurance companies better understand their customers' health. Epigenetics looks at biological markers in saliva or blood to estimate how fast a person is aging. The company sells this data and underwriting tools to life insurers who want a more accurate way to price policies.

FOXO earns revenue by licensing its technology and providing data services to insurance companies, rather than selling directly to consumers. It operates primarily in the United States and is a very small company with a market cap near zero, meaning it has struggled to grow into a sustainable business. The core risk is significant: the company is burning cash, posting large operating losses, and has not yet proven that insurers will adopt epigenetic underwriting at a scale large enough to support the business long-term.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+63.0% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

+98.6% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

83.7%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

~0 months

$65,896 cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Short runway — potential dilution ahead through share issuance

Strong grower

FOXO Technologies is growing revenue at 63% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

51.0%

Healthy — 51.0% gross margin

Profit after running costs

Operating Margin

-5.4%

Losing money on operations — -5.4%

Return on the money invested

ROCE

-48.1%

Weak — -48.1% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales growth

Sales YoY

+154.6%

Fast-growing sales (+154.6% YoY)

Profit growth

EPS YoY

N/A

—

Data not available

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

—

Data not available

Spare cash per sale

FCF Margin

-13.5%

Burning cash (-13.5%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

0.94

Moderate — manageable debt (0.94)

Covers its interest

Interest Cover

N/A

Data not available

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Valuation

Price vs profit

P/E Ratio (TTM)

0.0x

no trend

Attractive valuation — P/E 0.0

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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