FOXO Technologies (FOXO) Stock Analysis & Winston Score

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.

Winston Score History

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

Insiders holding steady — not selling despite ability to

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

Gross Margin

51.0%

Healthy — 51.0% gross margin

Operating Margin

-5.4%

Losing money on operations — -5.4%

ROCE

-1.3%

Weak — -1.3% return on capital

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

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Growth

Sales YoY

+154.6%

Fast-growing sales (154.6% YoY)

EPS YoY

N/A

—

Data not available

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

—

Data not available

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

Debt / Equity

1.19

Elevated debt (1.19)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

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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