Financials / Insurance - DiversifiedUpdated 2026-05-10 22:07 UTC

XZO stock hub

Exzeo Group, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.2B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

XZO

In the news

Latest news · XZO

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E12.7

P25 8.8P50 10.4P75 13.1

Trailing P/E13.7

P25 10.9P50 14.7P75 36.2

ROE58.7

P25 4.9P50 10.4P75 15

ROIC31.4

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All XZO market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

203

Groups with data

Currency

USD

Showing 203 of 203 available metrics for this ticker.

Profile and market data

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

Metric	Value
Cik	0001873951
Company name	Exzeo Group, Inc.
Country	United States
Country code	US
Cusip	30234F101
Employees	354
Enterprise value	$1B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Insurance - Diversified
IPO Date	2025-11-05
Isin	US30234F1012
Last refreshed	2026-05-10
Market cap	$1.2B
Market cap category	Small-Cap
Price	$13.49
Price currency	USD
Rev Per Employee	639,895.48x
Sector	Financials
Sic	7372
Symbol	XZO
Website	https://www.exzeo.com

Valuation

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

Metric	Value
Earnings Yield	6.67%
EV Earnings	12.26x
EV Sales Forward	4.15x
EV/EBIT	8.81x
EV/EBITDA	8.59x
EV/FCF	9.67x
EV/Sales	4.42x
FCF yield	8.45%
Forward P/E	12.67x
P/B ratio	4.46x
P/E ratio	13.73x
P/S ratio	5.41x
PS Forward	5.08x

Profitability

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

Metric	Value
EBIT Margin	50.19%
EBITDA Margin	51.49%
FCF margin	45.73%
Gross margin	100%
Gross Profit	$226.5M
Net Income	$81.8M
Net Income Growth	73.57%
Net Income Growth Q	74.41%
Net Income Growth Quarters	3%
Net Income Growth Years	3%
Pretax Margin	50.19%
Profit Margin	37.61%
Profit Per Employee	$230,955
Profitable Years	3
ROCE	40.43
ROE	58.67
ROIC	31.37
Roic5y	-47.23

Growth

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

Metric	Value
EPS Growth	128.7
EPS Growth Q	50.37
EPS Growth Years	3
FCF Growth	-46.07%
FCF Growth Q	-87.94%
FCF Growth3 Y	50.09%
OCF Growth	-45.73%
OCF Growth Q	-87.82%
OCF Growth3 Y	47.41%
Revenue Growth	44.21x
Revenue Growth Q	29.74x
Revenue Growth Quarters	3x
Revenue Growth Years	3x
Revenue Growth3 Y	118.12x

Financial strength

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

Metric	Value
Assets	$379.8M
Cash	$231.4M
Debt	$6.9M
Debt EBITDA	$0.06
Debt Equity	$0.03
Debt FCF	$0.07
Equity	$274.9M
Liabilities	$104.8M
Net Cash	$224.5M
Net Cash By Market Cap	$18.3
Net Cash Growth	386.34%
Net Debt EBITDA	$-1.92
Net Debt Equity	$-0.82
Net Debt FCF	$-2.17
Tangible Book Value	$274.9M
Tangible Book Value Per Share	$3.02

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	2.65
Net Working Capital	$-66.6M
Quick ratio	2.57
Working Capital	$162.4M

Dividends and buybacks

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

Metric	Value
Buyback Yield	-5.75%
Dividend Yield	0%

Performance and technicals

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

Metric	Value
50-day SMA	15.59
All Time High	24.6
All Time High Change	-45.16%
All Time High Date	2025-12-31
All Time Low	12.92
All Time Low Change	4.45%
All Time Low Date	2025-11-21
ATR	1.06
Beta1y	3.62
Ch YTD	-44.37
High	14.11
High52	24.6
High52 Date	2025-12-31
High52ch	-45.16%
Low	13.1
Low52	12.92
Low52 Date	2025-11-21
Low52ch	4.45%
Ma50ch	-13.49%
RSI	35.13
RSI Monthly	0
RSI Weekly	37.74
Sharpe ratio	-0.97x
Sortino ratio	-1.24
Total Return	-5.75%
Tr YTD	-44.37
Tr1m	-5.8%
Tr1w	-17.74%
Tr3m	-23.4%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	2
Analyst Count Top	1
Analyst Price Target Top	$27
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$0.21
Earnings Revenue Estimate	57,630,400x
Operating Income	$113.7M
Operating margin	50.19
Price target	$27
Price Target Change	$100
Price Target Change Top	$100

Ownership and float

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

Metric	Value
Float	12,506,547%
Float Percent	13.76%
Shares Insiders	3.75%
Shares Institutions	9.32%
Shares Out	90,918,430
Shares Qo Q	4.67%
Shares Yo Y	5.75%
Short Float	3.94%
Short Ratio	1.96
Short Shares	0.54

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$100.9M
Average Volume	202,235.15x
Bv Per Share	3.02
CAPEX	$-2.4M
Ch1m	-5.8
Ch1w	-17.74
Ch3m	-23.4
Ch6m	-30.39
Change	-3.23%
Change From Open	-4.12
Close	13.94
Days Gap	0.93
Dollar Volume	8,160,600.1
Earnings Date	2026-05-06
Earnings Time	amc
EBIT	$113.7M
EBITDA	$116.6M
EPS	$0.98
F Score	3
FCF	$103.6M
FCF EV Yield	10.34x
FCF Per Share	$1.14
Financing CF	153,589,000
Fiscal Year End	December
Founded	2,012
Graham Number	8.17529
Graham Upside	-39.4
Income Tax	$28.5M
Investing CF	-101,396,000
Ipr	-35.76
Iprfo	-35.76
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-05-06
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-02-26
Ma20	16.31
Ma20ch	-17.31%
Net CF	157,887,000
Next Earnings Date	2026-08-15
Open	14.07
Optionable	No
P FCF Ratio	11.84
P OCF Ratio	11.57
Position In Range	38.61
Post Close	13.49
Postmarket Change Percent	0.07
Postmarket Price	$13.5
Ppne	16,835,000
Price Date	2026-05-08
Price EBITDA	$10.52
Ptbv Ratio	4.46
Relative Volume	2.99x
Revenue	226,523,000x
SBC By Revenue	1.17x
Share Based Comp	2,653,000
Tax By Revenue	12.57x
Tax Rate	25.05%
Tr6m	-30.39%
Us State	Florida
Volume	604,937

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does XZO pay a dividend?

Capital-return profile for this ticker.

Ownership

Who owns XZO?

Insider, institutional, and short-interest positioning.

Institutional ownership

+9.3%

Float: +13.8% of shares outstanding

Insider ownership

+3.8%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

XZO momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

35.1

Neutral momentum band

Price vs 200-day MA

n/a

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

-0.97

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

XZO vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Ridurre
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Ridurre
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Ridurre

Questions

About XZO

Hub-level FAQ points readers to the deeper analysis pages.

What is the current XZO stock rating?

Exzeo Group, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full XZO analysis?

The full report lives at /stocks/XZO/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for XZO?

The latest report frames XZO around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the XZO page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.