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Exzeo Group, Inc.

XZO

$15.54 ▼ -0.77 (-4.69%) at close

3 Visible periods

21 Metrics

Peer-ranked Benchmarks

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Health

Excellent

Bullish

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Analytical Summary

Exzeo Group, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.2B

Dividend Yield —

Revenue Growth 62.0% ↗

Op. Margin 48.8% ↗

ROIC 31.3% ↘

FCF / Share —

Trailing P/E 15.7x

Price / Book 5.6x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

3-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$216.98M

↑ +62.0% —

Net Income Profit after all expenses

$82.75M

↑ +82.6% —

Operating Margin Operating profit as % of sales

48.8%

↑ +72.1% 97th

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↓

Financial view

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📈 Is growth accelerating? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Revenue Growth YoY (%)	62.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+417%)	51.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+330%)	—
EPS Growth YoY (%)	125.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	193.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	82.6% Excellent Excellent Year-over-year change in net income	111.2% Excellent Excellent Year-over-year change in net income	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Operating Margin (%) (%)	48.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+144%)	28.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	2.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)
Effective Tax Rate (%) (%)	25.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1361.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	38.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+154%)	33.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+126%)	24.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Return on Invested Capital (%)	31.3% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	181.4% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	30.5% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	42.5% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	32.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+76%)	292.3% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1480%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Interest Coverage (x)	—	10.95x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	1.52x Caution Caution Operating income divided by interest expense Optimal: > 5x
Net Debt (USD)	$-305.37M	$-54.50M	—

📊 What does each share earn? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Revenue per Share (USD)	$2.71	$1.73	$1.16
Basic EPS, GAAP (USD)	$0.99	$0.44	$0.15
Book Value per Share (USD)	$2.80	$0.19	—
Tangible Book Value per Share (USD)	$2.80	$0.19	—
Basic Weighted Avg Shares (shares)	80.17M	77.49M	76.10M

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Working Capital (USD)	$241.43M	$10.85M	—
Total Equity (USD)	$254.16M	$15.51M	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Sales/Revenue/Turnover (USD)	$216.98M	$133.95M	$88.33M
Depreciation Expense (USD)	$2.41M	$2.23M	$1.90M
Net Income, GAAP (USD)	$82.75M	$45.32M	$21.46M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 3 years · 6 quarters

Exzeo Group, Inc.

Analytical Summary

3-Year Financial Trajectory

Bullish Indicators

Bearish Risks

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