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Exzeo Group, Inc.

XZO

$17.13 ▼ -2.20 (-11.36%) at close

8 Visible periods

25 Metrics

Peer-ranked Benchmarks

Price Chart

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 $1.5B

Dividend Yield —

Revenue Growth 3.0% ↘

Op. Margin 49.3% ↗

ROIC 7.3% ↗

FCF / Share $0.17

Trailing P/E 65.9x

Price / Book 5.4x

FCF Yield 1.0%

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

8-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$57.79M

↑ +3.0% —

Net Income Profit after all expenses

$23.27M

↑ +7.4% —

Operating Margin Operating profit as % of sales

49.3%

↑ +9.1% 97th

FCF / Share Free cash flow per share

$0.17

↓ -63.6% —

trending_up

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

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Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↓

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Revenue Growth YoY (%)	3.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-75%)	6.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-50%)	19.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+64%)	89.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+646%)	—	—	—	—
EPS Growth YoY (%)	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	73.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	316.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—
Net Income Growth YoY (%)	7.4% Fair ↓ Fair Declining Year-over-year change in net income	13.7% Fair ↓ Fair Declining Year-over-year change in net income	87.9% Excellent Excellent Year-over-year change in net income	302.3% Excellent Excellent Year-over-year change in net income	—	—	—	—
FCF Growth YoY (%)	-63.6% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Operating Margin (%) (%)	49.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+146%)	45.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+126%)	50.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+151%)	49.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+147%)	50.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+151%)	45.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+127%)	35.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	23.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)
Effective Tax Rate (%) (%)	26.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	40.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+168%)	36.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+145%)	41.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+175%)	38.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+156%)	38.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+157%)	34.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+128%)	26.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	18.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)
FCF Margin (%) (%)	26.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	45.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	67.3% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	37.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	0.66x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	1.25x Good Good Free cash flow relative to reported net income Optimal: > 1x	—	—	1.74x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.10x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Return on Invested Capital (%)	7.3% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	6.7% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	8.0% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	25.9% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—	—	74.5% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	7.4% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	6.6% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	7.7% Fair Fair Operating profit relative to total assets Optimal: > 10%	15.0% Good Good Operating profit relative to total assets Optimal: > 10%	—	—	17.4% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	8.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	27.0% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	—	—	75.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+308%)	—

⚖️ Is the balance sheet risky? 1 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Net Debt (USD)	$-136.73M	$-231.38M	$-305.37M	$-140.92M	—	—	$-54.50M	—

📊 What does each share earn? 6 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Revenue per Share (USD)	$0.65	—	—	$0.70	$0.71	—	—	$0.37
Basic EPS, GAAP (USD)	$0.26	$0.22	$0.26	$0.25	$0.26	$0.22	$0.15	$0.06
Free Cash Flow per Share (USD)	$0.17	—	—	—	$0.48	—	—	—
Book Value per Share (USD)	$3.19	$3.02	$2.80	$0.95	—	—	$0.19	—
Tangible Book Value per Share (USD)	$3.19	$3.02	$2.80	$0.95	—	—	$0.19	—
Basic Weighted Avg Shares (shares)	88.23M	88,385	—	78.74M	78.74M	78,709	—	78.67M

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Working Capital (USD)	$77.97M	$162.35M	$241.43M	$68.72M	—	—	$10.85M	—
Total Equity (USD)	$288.17M	$274.94M	$254.16M	$78.43M	—	—	$15.51M	—

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗
Sales/Revenue/Turnover (USD)	$57.79M	$55.53M	$53.32M	$55.17M	$56.09M	$52.41M	$44.53M	$29.11M
Depreciation Expense (USD)	$579.00K	$570.00K	$585.00K	$622.00K	$608.00K	$597.00K	$569.00K	$556.00K
Net Income, GAAP (USD)	$23.27M	$20.41M	$21.98M	$21.15M	$21.66M	$17.95M	$11.70M	$5.26M
Operating Cash Flow (USD)	$15.41M	$25.47M	—	—	$37.75M	$19.77M	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 3 years · 8 quarters

Exzeo Group, Inc.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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