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Exzeo Group, Inc. XZO

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Price alert · XZO

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17.88 USD +0.17 +0.96%

At close · Oct 30

17.88 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
17.73 × 200
Ask
17.94 × 200
17.26 Day range 17.90
12.55 52-week range 24.25
YTD
-26.27%
1 year
-14.90%
Open
17.84
Prev close
17.71
Mkt cap
1.61B
Vol
268.15K
Avg vol
288.92K
EPS
0.96
P/E
18.63
Div yield
0.00%
More statistics
Low
17.26
High
17.90
Forward P/E
15.57
Beta
0.00
Short ratio
4.02
Inst. own
7.87%
Dividend
0.00
Ex-div date
Earnings
Nov 4, 2026
50-d avg
16.20
200-d avg
16.00
1y target
26.00

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Financial health

Altman Z-Score

11.96 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 2
  • P/B 1

Valuation

P/E 27.9×
FY 2019: -276×FY 2020: -150×FY 2022: -30.0×FY 2023: 162×FY 2024: 56.8×FY 2025: 27.9×
FY 2019 5y median 27.9× FY 2025
P/S 10.2×
FY 2019: 89.4×FY 2020: 36.9×FY 2022: 41.8×FY 2023: 21.6×FY 2024: 14.2×FY 2025: 10.2×
FY 2019 5y median 21.6× FY 2025
P/B 8.7×
FY 2019: 112×FY 2020: 291×FY 2022: 0.0×FY 2023: 26.9×FY 2024: 123×FY 2025: 8.7×
FY 2019 5y median 26.9× FY 2025
P/FCF 22.6×
FY 2019: 62.2×FY 2020: 66.0×FY 2022: -94.3×FY 2023: 34.0×FY 2024: 10.1×FY 2025: 22.6×
FY 2019 5y median 22.6× FY 2025
EV/EBITDA 16.8×
FY 2019: -1759×FY 2020: -241×FY 2022: 0.0×FY 2023: 412×FY 2024: 46.1×FY 2025: 16.8×
FY 2019 5y median 16.8× FY 2025
EV/Sales 8.8×
FY 2019: 87.0×FY 2020: 35.4×FY 2022: 0.0×FY 2023: 22.2×FY 2024: 13.9×FY 2025: 8.8×
FY 2019 5y median 13.9× FY 2025
FCF Yield 4.4%
FY 2019: 1.6%FY 2020: 1.5%FY 2022: -1.1%FY 2023: 2.9%FY 2024: 9.9%FY 2025: 4.4%
FY 2019 5y median 2.9% FY 2025

Profitability

Gross Margin 60.4%
FY 2019: 27.8%FY 2020: 4.0%FY 2022: -57.6%FY 2023: 19.2%FY 2024: 39.5%FY 2025: 60.4%
FY 2019 5y median 19.2% FY 2025
Operating Margin 48.8%
FY 2019: -8.1%FY 2020: -16.8%FY 2022: -82.7%FY 2023: 2.9%FY 2024: 28.4%FY 2025: 48.8%
FY 2019 5y median 2.9% FY 2025
Net Margin 38.1%
FY 2019: -32.4%FY 2020: -24.0%FY 2022: -119.9%FY 2023: 23.5%FY 2024: 32.9%FY 2025: 38.1%
FY 2019 5y median 23.5% FY 2025
ROE 32.6%
FY 2019: -40.7%FY 2020: -189.7%FY 2022: 0.0%FY 2023: 29.3%FY 2024: 284.4%FY 2025: 32.6%
FY 2019 5y median 29.3% FY 2025
ROIC 29.9%
FY 2019: 0.0%FY 2020: 0.0%FY 2022: 0.0%FY 2023: 147.2%FY 2024: 1319.2%FY 2025: 29.9%
FY 2019 5y median 29.9% FY 2025
ROA 23.8%
FY 2019: -7.2%FY 2020: -7.7%FY 2022: 0.0%FY 2023: 3.3%FY 2024: 49.2%FY 2025: 23.8%
FY 2019 5y median 3.3% FY 2025

Growth (YoY)

Revenue 62.0%
FY 2019: 0.0%FY 2020: 142.3%FY 2022: 0.0%FY 2023: 93.6%FY 2024: 51.6%FY 2025: 62.0%
FY 2019 FY 2025
Operating Income 178.8%
FY 2019: 0.0%FY 2020: -402.2%FY 2022: 0.0%FY 2023: 106.8%FY 2024: 1388.5%FY 2025: 178.8%
FY 2019 FY 2025
EPS (diluted) 135.1%
FY 2019: 0.0%FY 2020: -84.0%FY 2022: 0.0%FY 2023: 118.6%FY 2024: 184.6%FY 2025: 135.1%
FY 2019 FY 2025
Free Cash Flow -48.3%
FY 2019: 0.0%FY 2020: -5.7%FY 2022: 0.0%FY 2023: 377.6%FY 2024: 236.0%FY 2025: -48.3%
FY 2019 FY 2025

Financial Health

Current Ratio 3.9×
FY 2019: 0.0×FY 2020: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 3.9×
FY 2019 5y median 0.0× FY 2025
Quick Ratio 3.9×
FY 2019: 0.0×FY 2020: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 3.9×
FY 2019 5y median 0.0× FY 2025
Debt / Equity 0.0×
FY 2019: 0.0×FY 2020: 3.4×FY 2022: 0.0×FY 2023: 0.9×FY 2024: 0.5×FY 2025: 0.0×
FY 2019 5y median 0.5× FY 2025
Net Debt / EBITDA -2.6×
FY 2019: 48.5×FY 2020: 10.5×FY 2022: 0.0×FY 2023: 10.7×FY 2024: -1.1×FY 2025: -2.6×
FY 2019 5y median 0.0× FY 2025
Interest Coverage 0.0×
FY 2019: 0.0×FY 2020: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2019 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2019: 0.0%FY 2020: 0.0%FY 2022: 0.3%FY 2023: 0.4%FY 2024: 0.2%FY 2025: 0.0%
FY 2019 5y median 0.2% FY 2025
Payout Ratio 0.0%
FY 2019: 0.0%FY 2020: 0.0%FY 2022: -10.1%FY 2023: 32.6%FY 2024: 6.6%FY 2025: 0.0%
FY 2019 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31