Exzeo Group, Inc. (XZO)

NYSE: XZO · USD

$17.6

+0.99 (+6.0%)· Recorded snapshot

Market cap	1.6B
Revenue (ttm)	230.4M
Net income (ttm)	83.8M
EPS (ttm)	$0.98
Shares out	90.1M
P/E (trailing)	17.9x
P/E (forward)	16.1x
Volume	387,625

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 230.4M
Net income (ttm): 83.8M
EPS (ttm): $0.98
P/E (trailing): 17.9x
P/E (forward): 16.1x
Market cap: 1.6B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E16.1

P25 n/aP50 n/aP75 n/a

Trailing P/E17.9

P25 n/aP50 n/aP75 n/a

ROE50.4

P25 n/aP50 n/aP75 n/a

ROIC30.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All XZO indicators

Market & fundamental data

Available fields

212

Groups with data

Currency

USD

Showing 212 of 212 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001873951
Company name	Exzeo Group, Inc.
Country	United States
Country code	US
CUSIP number	30234F101
Earnings date	2026-11-04
Earnings time	amc
Employees	354
Enterprise value	$1.5B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2012
In index	RUSSELL2000
Industry	Insurance - Diversified
IPO date	2025-11-05
Is primary listing	Yes
Is SPAC	No
ISIN number	US30234F1012
Last 10-K release date	2026-02-26
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$1.6B
Market cap category	Small-Cap
Next earnings date	2026-11-04
Options	No
Price	$17.57
Price currency	USD
Sector	Financials
SIC code	7372
Stock price date	2026-10-28
Symbol	XZO
U.S. state	Florida
Website	https://www.exzeo.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	17.93x
Earnings yield	5.6%
EV/Earnings	16.51x
EV/EBIT	11.89x
EV/EBITDA	11.6x
EV/FCF	16.96x
EV/Sales	6x
FCF / EV yield	5.9%
FCF yield	5.39%
Forward EV/Sales	5.68x
Forward P/E	16.14x
Forward P/S	6.22x
Graham number	8.41002
Graham upside	-49.91%
Industry forward P/E	20.48x
Industry P/E	13.23x
P/(FCF - SBC) ratio	19.19x
P/(OCF - SBC) ratio	18.68x
P/B ratio	5.19x
P/E ratio	17.86x
P/FCF ratio	18.55x
P/OCF ratio	18.08x
P/S ratio	6.56x
Price / tangible book value	5.25x
Price/EBITDA ratio	12.69x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	50.44%
EBITDA margin	51.72%
Effective tax rate	25.31%
FCF margin	35.38%
Gross margin	100%
Operating margin	50.44%
Pretax margin	50.44%
Profit margin	37.67%
Profit per employee	$236,588
Profitable quarters	8
Profitable years	3
Revenue per employee	$650,901
ROA	26.58%
ROCE	39.52%
ROE	50.37%
ROIC	30.11%
SBC / revenue	1.17%
Tax / revenue	12.76%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	117.46%
EPS growth (Q)	-1.4%
EPS growth (QoQ)	16.53%
EPS growth years	3
FCF growth	-61.88%
FCF growth (Q)	-59.2%
FCF growth (QoQ)	-39.53%
FCF growth 3Y	41.3%
Net income growth	53.45%
Net income growth (Q)	7.41%
Net income growth (QoQ)	14.01%
Net income growth quarters	4
Net income growth years	3
OCF growth	-61.39%
OCF growth (Q)	-59.17%
OCF growth (QoQ)	-39.48%
OCF growth 3Y	40.16%
Revenue growth	25.43%
Revenue growth (Q)	6.85%
Revenue growth (QoQ)	4.66%
Revenue growth 3Y	64.54%
Revenue growth quarters	4
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-2.1M
EBIT	$116.2M
EBITDA	$119.2M
EPS	$0.98
FCF per share	$0.91
Financing cash flow	$143.2M
Free cash flow	$81.5M
Free cash flow minus SBC	$78.8M
Gross profit	$230.4M
Income taxes	$29.4M
Investing cash flow	$-200.5M
Net cash flow	$26M
Net income	$83.8M
Operating cash flow minus SBC	$81M
Operating income	$116.2M
Revenue	$230.4M
Stock-based compensation	$2.7M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$3.19
Debt / EBITDA	0.05
Debt / equity	0.02
Debt / FCF	0.08
Net cash (debt)	$130.1M
Net cash / market cap	8.6%
Net cash growth	26.41%
Net debt / EBITDA	-1.09
Net debt / equity	-0.45
Net debt / FCF	-1.6
Piotroski F-Score	4
Property, plant and equipment	$16M
Shareholders' equity	$288.2M
Tangible book value	$288.2M
Tangible book value per share	$3.19
Total assets	$385.8M
Total cash	$136.7M
Total debt	$6.6M
Total liabilities	$97.6M

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.84
Current ratio	1.85
Net working capital	$-56.3M
Quick ratio	1.73
Working capital	$78M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-7.92%
Dividend yield	0%
Shareholder yield	-7.92%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$15.56
1D price change	5.97%
1M price change	14.37%
1M total return	14.37%
1W price change	4.98%
1W total return	4.98%
20-day SMA	$16.07
200-day SMA	$16.02
3M price change	9.4%
3M total return	9.4%
50-day SMA	$16.17
50-day SMA vs 200-day SMA	50over200
52-week high	$24.60
52-week high date	2025-12-31
52-week low	$12.36
52-week low date	2026-06-04
6M price change	6.46%
6M total return	6.46%
All-time high	$24.60
All-time high date	2025-12-31
All-time low	$12.36
All-time low date	2026-06-04
Average true range (ATR)	$0.77
Average volume	346.1K
Beta (1Y)	1.9
Change from 52-week high	-28.58%
Change from 52-week low	42.15%
Change from all-time high	-29.29%
Change from all-time low	40.74%
Change from open	5.59%
Day's gap	0.36%
Dollar volume	$6.8M
High price	$17.62
Low price	$16.59
Monthly RSI	0
Open price	$16.64
Position in 52-week range	95.15%
Previous close	$16.58
Price vs 150-day SMA	11.83%
Price vs 20-day SMA	8.27%
Price vs 200-day SMA	8.62%
Price vs 50-day SMA	7.6%
Relative volume	1.12
Return from IPO open	-20.05%
Return from IPO price	-20.05%
RSI	63.79
Sharpe ratio	-0.07
Sortino ratio	-0.01
Volume	387.6K
Weekly RSI	55.14
YTD price change	-28.27%
YTD total return	-28.27%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	11.5M
Float percentage	12.82%
Shares change (QoQ)	-0.18%
Shares change (YoY)	7.92%
Shares held by insiders	3.93%
Shares held by institutions	7.4%
Shares outstanding	90.1M
Short % of float	17.14%
Short % of shares	2.2%
Short ratio	6.2 days

Deeper analysis on XZO

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this XZO report

Is a complete XZO research report available?

No complete published report is available for Exzeo Group, Inc. (XZO) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Exzeo Group, Inc. (XZO)

Price

Financial snapshot

Fair-value bridge

Latest news · XZO

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All XZO indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on XZO

Frequently asked questions