No significant weaknesses identified
| Dec 2019 | Dec 2020 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|
| Revenue | 21.34M | 51.7M | 88.33M | 133.95M |
| Revenue Growth % | - | 1.42% | 0.71% | 0.52% |
| Medical Costs & Claims | 15.4M | 49.64M | 71.35M | 81.07M |
| Medical Cost Ratio % | - | - | - | - |
| Gross Profit | 5.94M | 2.06M | 16.98M | 52.87M |
| Gross Margin % | - | - | - | - |
| Gross Profit Growth % | - | -0.65% | 7.23% | 2.11% |
| Operating Expenses | 0 | 0 | 0 | 0 |
| OpEx / Revenue % | - | - | - | - |
| Depreciation & Amortization | 676K | 1.1M | 2.2M | 2.36M |
| Combined Ratio % | - | - | - | - |
| Operating Income | -1.73M | -8.69M | 2.55M | 38.02M |
| Operating Margin % | - | - | - | - |
| Operating Income Growth % | - | -4.02% | 1.29% | 13.89% |
| EBITDA | -1.05M | -7.59M | 4.76M | 40.38M |
| EBITDA Margin % | - | - | - | - |
| Interest Expense | 0 | 0 | 0 | 0 |
| Non-Operating Income | 0 | 0 | 0 | 0 |
| Pretax Income | -8.49M | -16.46M | 883K | 35.24M |
| Pretax Margin % | - | - | - | - |
| Income Tax | -1.58M | -4.04M | -12.02M | 9.17M |
| Effective Tax Rate % | - | - | - | - |
| Net Income | -6.91M | -12.42M | 20.77M | 44.1M |
| Net Margin % | - | - | - | - |
| Net Income Growth % | - | -0.8% | 2.67% | 1.12% |
| EPS (Diluted) | -0.08 | -0.14 | 0.13 | 0.37 |
| EPS Growth % | - | -0.84% | 1.93% | 1.85% |
| EPS (Basic) | -0.08 | -0.14 | 0.13 | 0.37 |
| Diluted Shares Outstanding | 90.78M | 90.78M | 90.78M | 90.78M |
| Dec 2019 | Dec 2020 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|
| Total Assets | 96.23M | 160.76M | 625.57M | 89.64M |
| Asset Growth % | - | 0.67% | 2.89% | -0.86% |
| Total Investment Assets | 491K | 2.14M | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 |
| Short-Term Investments | 491K | 2.14M | 0 | 0 |
| Total Current Assets | 0 | 0 | 0 | 0 |
| Cash & Equivalents | 51.86M | 101.72M | 15.05M | 54.5M |
| Receivables | 1000K | 1000K | 1000K | 1000K |
| Other Current Assets | -58.73M | -111.8M | -24.18M | -60.18M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| PP&E (Net) | 6.39M | 6.37M | 17.36M | 18.8M |
| Other Assets | -8.4M | -9.55M | -17.92M | -19M |
| Total Liabilities | 79.27M | 154.21M | 554.71M | 74.13M |
| Total Debt | 738K | 22.32M | 65.93M | 8.35M |
| Net Debt | -51.12M | -79.41M | 50.87M | -46.15M |
| Long-Term Debt | 0 | 22M | 58.15M | 0 |
| Short-Term Debt | 0 | 0 | 1.74M | 2.13M |
| Total Current Liabilities | 0 | 0 | 0 | 0 |
| Accounts Payable | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | -1.74M | -2.13M |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K |
| Other Liabilities | -42.53M | -93.83M | -105.43M | -64.11M |
| Total Equity | 16.96M | 6.55M | 70.86M | 15.51M |
| Equity Growth % | - | -0.61% | 9.82% | -0.78% |
| Shareholders Equity | 16.96M | 6.55M | 70.86M | 15.51M |
| Minority Interest | 0 | 0 | 0 | 0 |
| Retained Earnings | 16.82M | -4.91M | -92.5M | -57.33M |
| Common Stock | 0 | 75K | 80K | 83K |
| Accumulated OCI | 143K | 384K | -1.8M | 0 |
| Return on Equity (ROE) | -0.41% | -1.06% | 0.54% | 1.02% |
| Return on Assets (ROA) | -0.07% | -0.1% | 0.05% | 0.12% |
| Equity / Assets | - | - | - | - |
| Debt / Equity | 0.04x | 3.41x | 0.93x | 0.54x |
| Book Value per Share | 0.19 | 0.07 | 0.78 | 0.17 |
| Tangible BV per Share | - | - | - | - |
| Dec 2019 | Dec 2020 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|
| Cash from Operations | 33.09M | 30.38M | 59.37M | 191.91M |
| Operating CF Growth % | - | -0.08% | 0.95% | 2.23% |
| Operating CF / Revenue % | - | - | - | - |
| Net Income | -6.91M | -12.42M | 12.7M | 25.52M |
| Depreciation & Amortization | 676K | 1.1M | 2.2M | 2.36M |
| Stock-Based Compensation | 0 | 0 | 0 | 0 |
| Deferred Taxes | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 3.19M | 1.75M | 46.66M | 148.23M |
| Working Capital Changes | 36.13M | 39.95M | -2.19M | 15.8M |
| Cash from Investing | -735K | -2.51M | -16.6M | -192.52M |
| Capital Expenditures | -2.45M | -1.49M | -3.25M | -3.33M |
| Acquisitions | 0 | 0 | 0 | 0 |
| Purchase of Investments | -11.93M | -18.51M | 0 | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 0 | 0 |
| Other Investing | 0 | 0 | -13.35M | -189.19M |
| Cash from Financing | 4.99M | 21.99M | -7.12M | -6.4M |
| Dividends Paid | 0 | 0 | -6.76M | -2.92M |
| Share Repurchases | 0 | 0 | -352K | -100.48M |
| Stock Issued | 5M | 10K | 0 | 0 |
| Debt Issuance (Net) | -12K | 1000K | -9K | 1000K |
| Other Financing | 0 | -9K | 0 | 0 |
| Net Change in Cash | 51.86M | 49.86M | 15.05M | 39.45M |
| Exchange Rate Effect | 1000K | 2K | -1000K | 1000K |
| Cash at Beginning | 0 | 51.86M | 0 | 15.05M |
| Cash at End | 51.86M | 101.72M | 15.05M | 54.5M |
| Free Cash Flow | 30.64M | 28.9M | 56.12M | 188.58M |
| FCF Growth % | - | -0.06% | 0.94% | 2.36% |
| FCF Margin % | - | - | - | - |
| FCF per Share | 0.34 | 0.32 | 0.62 | 2.08 |
| Metric | 2019 | 2020 | 2023 | 2024 |
|---|---|---|---|---|
| Combined Ratio | 72.17% | 96.01% | 80.78% | 60.53% |
| Medical Cost Ratio | 72.17% | 96.01% | 80.78% | 60.53% |
| Return on Equity (ROE) | -40.74% | -105.67% | 53.67% | 102.13% |
| Return on Assets (ROA) | -7.18% | -9.67% | 5.28% | 12.33% |
| Equity / Assets | 17.63% | 4.07% | 11.33% | 17.3% |
| Book Value / Share | 0.19 | 0.07 | 0.78 | 0.17 |
| Debt / Equity | 0.04x | 3.41x | 0.93x | 0.54x |
| Revenue Growth | - | 142.27% | 70.85% | 51.64% |
Exzeo Group, Inc. (XZO) grew revenue by 51.6% over the past year. This is strong growth.
Exzeo Group, Inc. (XZO) reported a net loss of $18.3M for fiscal year 2024.
Exzeo Group, Inc. (XZO) has a return on equity (ROE) of 102.1%. This is excellent, indicating efficient use of shareholder capital.
Exzeo Group, Inc. (XZO) has a combined ratio of 0.0%. A ratio below 100% indicates underwriting profitability.