Core Viewpoint - Life360 (LIF) is anticipated to report a year-over-year increase in earnings driven by higher revenues, with the consensus outlook indicating a significant potential impact on its stock price based on actual results compared to estimates [1][2]. Earnings Expectations - The upcoming earnings report is expected to show quarterly earnings of $0.33 per share, reflecting a year-over-year increase of +230% [3]. - Revenues are projected to reach $144 million, which is a 24.6% increase from the same quarter last year [3]. Estimate Revisions - The consensus EPS estimate has been revised down by 40% over the last 30 days, indicating a reassessment by analysts of their initial estimates [4]. - The Most Accurate Estimate for Life360 aligns with the Zacks Consensus Estimate, resulting in an Earnings ESP of 0% [12]. Earnings Surprise Prediction - A positive Earnings ESP is generally a strong predictor of an earnings beat, especially when combined with a Zacks Rank of 1 (Strong Buy), 2 (Buy), or 3 (Hold) [10]. - Life360 currently holds a Zacks Rank of 4 (Sell), complicating the prediction of an earnings beat [12]. Historical Performance - Life360 has successfully beaten consensus EPS estimates in the last four quarters, with a notable surprise of +266.67% in the most recent quarter [13][14]. Conclusion - While Life360 is not positioned as a compelling earnings-beat candidate, investors are advised to consider other factors influencing stock performance ahead of the earnings release [17].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ______________ FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 22, 2026 Life360, Inc. (Exact name of registrant as specified in its charter) Delaware 001-42120 26-0197666 (State or other jurisdiction of incorporation or organization) (Commission File Number) (I.R.S. Employer Identification No.) 1900 South Norfolk Street, Suite 310 Sa ...

Core Insights - Life360, Inc. reported strong operational performance in Q4 2025, achieving record user and subscriber growth, with expectations for continued growth in 2026 [5][7]. User Metrics - Life360's global Monthly Active Users (MAU) reached 95.8 million in Q4 2025, with a net addition of 16.2 million users for the full year 2025, representing a 20% year-over-year growth [2][7]. - The U.S. MAU was 50.6 million in Q4 2025, up by 1.8 million in the quarter and 16% year-over-year, with full-year net additions of 6.9 million [8]. - International MAU reached 45.3 million in Q4 2025, increasing by 2.4 million in the quarter and 26% year-over-year, with full-year net additions of 9.3 million [8]. Subscription Metrics - Total Paying Circles (subscriptions) reached 2.8 million in Q4 2025, with full-year net additions of 576 thousand, marking the highest annual subscriber growth on record [3][7]. - U.S. Paying Circles were 2.0 million in Q4 2025, up by 84 thousand in the quarter, or 23% year-over-year, with full-year net additions of 374 thousand [8]. - International Paying Circles totaled 0.8 million in Q4 2025, increasing by 48 thousand in the quarter, or 32% year-over-year, with full-year net additions of 202 thousand [8]. Financial Performance - Full-year 2025 revenue is expected to be between $486 million and $489 million, reflecting approximately 31-32% year-over-year growth [8]. - Adjusted EBITDA for full-year 2025 is projected to be between $87 million and $92 million, representing an 18-19% margin [8]. - The company anticipates overall MAU growth of approximately 20% in 2026 and plans to invest in strategic growth initiatives while expanding AEBITDA margins [5][7].

Core Insights - Life360's Director, John Philip Coghlan, sold 6,170 shares in December 2025, which included 3,125 shares sold on the open market for approximately $241,317 and 3,045 shares donated as charitable gifts [1][2] - The company's stock has shown strong performance, with a 45.38% price increase over the past year as of January 13, 2026 [4] - Life360 has recently completed the acquisition of Nativo, an advertising technology company, to enhance its ad revenue and partnership opportunities [10][11] Transaction Summary - The transaction involved the sale of 3,125 shares and the gifting of 3,045 shares, with a total transaction value of around $241,317 [2] - Post-transaction, Coghlan holds 3,344 shares directly and 9,065 shares indirectly through trusts [6] - The shares sold represented 20.12% of Coghlan's remaining holdings, aligning with the median sale size observed over the past year [6] Company Overview - Life360 specializes in location-based safety and coordination solutions, offering services such as real-time location tracking and digital security [7] - The company reported a total revenue of $459.03 million and a net income of $29.68 million for the trailing twelve months [4] - Life360 has a market capitalization of $4.9 billion, with a gross margin of 77.71% [8] Strategic Outlook - The acquisition of Nativo is expected to leverage Life360's large user base of 50 million monthly users to drive ad revenue growth [11] - The company is well-positioned for long-term growth as it continues to expand its subscription and ad-revenue strategies [11]

Core Insights - Life360 has completed the acquisition of Nativo for approximately $120 million, consisting of 65% cash and 35% stock, aiming to enhance its advertising capabilities to better connect brands with families [1] - Life360 has surpassed 50 million Monthly Active Users (MAU) in the U.S., positioning itself among top consumer platforms like Netflix and Spotify, which provides a significant opportunity for advertisers [2][3] Company Overview - Life360 is a family connection and safety company that offers services such as location sharing, safe driver reports, and crash detection, serving approximately 91.6 million MAU across more than 180 countries as of September 30, 2025 [4] - Nativo specializes in advanced advertising technology that connects brands and publishers, focusing on delivering premium ad experiences and helping publishers unlock new revenue streams [5] Strategic Implications - The acquisition of Nativo is expected to create a differentiated advertising platform that leverages Life360's first-party insights to connect brands with families in relevant moments, enhancing user experience and advertising effectiveness [3] - The combined solution from Life360 and Nativo will extend Life360's contextual insights into premium publisher environments, providing a comprehensive system for targeting, creative development, delivery, optimization, and reporting [3]

Core Viewpoint - Life360 has been downgraded by Citigroup from "Market Outperform" to "Perform" amid insider selling and stock performance concerns [1][5]. Company Overview - Life360 is known for its family networking app that provides location sharing, driving safety features, and emergency assistance [1]. - The company competes with other family safety apps and location services [1]. Stock Performance - Life360's stock has declined by 40% from its peak in October, currently priced at $64.36 [3][5]. - The stock experienced a slight increase of 0.34% on the day of reporting, with a trading range between $63.41 and $65 [3]. Insider Activity - Director John Philip Coghlan sold 3,125 shares at a weighted average price of $77.22, totaling approximately $241,000 [2][5]. - This sale aligns with Coghlan's median sell size over the past year, but his overall holdings have decreased by over 90% since July [2]. - The insider sale suggests a continuation of a pre-set trading plan, indicating a cautious approach by the director [4]. Market Capitalization and Trading Volume - Life360's market capitalization is approximately $5.04 billion, with a trading volume of 623,086 shares [3].

Core Insights - Life360 executed an insider sale of 3,125 shares valued at approximately $241,316 under a pre-arranged Rule 10b5-1 trading plan, indicating planned portfolio management rather than a reaction to market conditions [1][9]. Transaction Summary - The transaction involved the indirect sale of 3,125 shares, with a total value of ~$241,316 [2]. - Post-transaction, the indirect holdings of the seller decreased to 12,110 shares, valued at approximately $944,095 [2]. - The average sale price was $77.22 per share, which was below the market open and close prices on that day [6]. Company Overview - Life360 reported a total revenue of $459.03 million and a net income of $29.68 million for the trailing twelve months (TTM) [4]. - The company has 603 employees and experienced a 1-year price change of 54.19% [4]. - Life360 specializes in location-based safety and coordination solutions, targeting families, pet owners, and individuals seeking safety and digital security services [6][7]. Recent Performance and Developments - Life360's stock price has retreated from an October high of $112.54, with a current price around $64.36 [10][11]. - The company reported record Q3 results with a 34% year-over-year revenue increase to $124.5 million and 91.6 million monthly active users [10]. - Life360 announced a strategic acquisition of Nativo for $120 million, expected to close in early 2026, aimed at enhancing its location-based targeting capabilities [11]. Market Position - Life360 operates a freemium business model, generating revenue from both hardware sales and subscription services [7][14]. - The company maintains a strong market presence in connected safety solutions, supported by a diversified product suite and a scalable subscription-driven model [8].

Core Insights - Life360 is a key player in the family connection and safety sector, focusing on technology solutions for family safety and connectivity [1] - D.A. Davidson has set a price target of $94 for Life360, indicating a potential price increase of 36.11% from the current price of $69.06 [1][5] Company Developments - Life360's strategic acquisition of Nativo for approximately $120 million is aimed at enhancing its family-focused technology offerings [2][5] - The acquisition will be financed through a combination of cash and stock, which is expected to strengthen Life360's market position [2] Stock Performance - Life360's current stock price is $69.06, reflecting a slight decrease of 1.46% or $1.02 [3] - The stock has fluctuated between $68.19 and $70.31 today, with a yearly high of $112.54 and a low of $29.62, indicating significant volatility [3] - The company's market capitalization is approximately $5.41 billion, showcasing its substantial presence in the market [4][5] - Today's trading volume is 701,607 shares on the NASDAQ exchange, indicating active investor interest [4]

Core Insights - The discussion focuses on the advertising business and the pending acquisition of Nativo, highlighting the strategic transformation for Life360 as a platform company [3]. Group 1: Advertising Business - The company is optimistic about its advertising business, which is expected to undergo significant changes due to the Nativo acquisition [3]. - There is a strong interest from sell-side analysts regarding the advertising business and the implications of the Nativo acquisition [3]. Group 2: Nativo Acquisition - The acquisition of Nativo is subject to customary closing conditions, and its successful integration is crucial for realizing anticipated revenue and cost synergies [1]. - The company emphasizes the importance of maintaining user trust and privacy standards while scaling its advertising business post-acquisition [1].

Summary of Life360 Conference Call Company and Industry - **Company**: Life360 - **Industry**: Advertising Technology (Ad Tech) Key Points and Arguments Acquisition of Nativo - Life360 has entered into an agreement to acquire Nativo for approximately $120 million in cash and stock [2][3] - Nativo generates roughly twice the advertising revenue expected from Life360 this year, with a different margin profile [3] - The acquisition is expected to be accretive to Adjusted EBITDA from day one, with revenue and cost synergies anticipated to ramp up in 2026 [3] Strategic Transformation - The acquisition represents a strategic transformation for Life360 into a full-stack advertising platform, allowing for end-to-end management of advertising campaigns [34] - Life360 was previously limited to in-app advertising with a small direct sales team and relied heavily on external partners [29][30] - Post-acquisition, Life360 will have capabilities across demand-side platforms (DSP), supply-side platforms (SSP), and proprietary measurement tools [34] Advertising Inventory - Life360's advertising opportunity is not solely based on in-app placements but significantly on off-site inventory, which Nativo unlocks [11][14] - Off-site inventory is approximately 30 times the amount of in-app inventory, allowing for greater scalability of advertising campaigns [17][18] Data Differentiation - Life360's data is described as deterministic rather than probabilistic, providing precise and unique insights into user behavior [20][22] - The company owns its first-party data, which is crucial for maintaining privacy and control over user information [47][60] Privacy and Safety Standards - Full-stack ownership enhances privacy by keeping all data within Life360's ecosystem and using aggregated anonymized cohorts for advertising [60][64] - The company has strict controls in place to protect sensitive populations, particularly minors, ensuring brand safety and family safety [61][62] Business Model and Revenue Streams - Life360 remains a subscription-led company, with advertising serving as a complementary revenue stream to monetize free users [66] - The company aims to build a family super app with multiple revenue pillars, enhancing resilience and operating leverage [67] Integration and Future Outlook - The integration of Nativo is expected to begin immediately, with full realization of synergies anticipated by year-end 2026 [38] - Life360 is positioned to compete at a higher level in the advertising market, leveraging its unique data, technology, and distribution capabilities [75] Market Positioning - Life360's combination of first-party family data, deterministic measurement, and full-stack control creates a unique offering in the market, differentiating it from competitors [45][53] Other Important Content - The call emphasized the importance of maintaining high editorial standards for in-app advertising to ensure a positive user experience [15][16] - Life360's advertising strategy is designed to respect user preferences, particularly for those who do not wish to convert to paid subscriptions [66] - The company is focused on international expansion, with plans to enter new markets once strong unit economics are established in North America [71]