8-K Announcements
6Material company update
May 6, 2026·SEC
Material company update
Feb 25, 2026·SEC
Material company update
Dec 22, 2025·SEC
Exzeo Group, Inc.(XZO)Earnings, Financials & Key Ratios
XZO•NYSE•Insurance & Managed Care
$17.27
$1.57B mkt cap·19.9× P/E·Price updated May 6, 2026
- Revenue$217M+62.0%
- Combined Ratio51.15%-15.5%
- Net Income$83M+87.6%
- Return on Equity61.37%-39.9%
- Medical Cost Ratio39.62%-34.5%
- Operating Margin48.85%+72.1%
- Net Margin38.14%+15.8%
- ROA37.84%+206.8%
- Equity / Assets73.09%+322.5%
- Book Value per Share2.80+1536.5%
- Tangible BV/Share2.80+1536.5%
- Debt/Equity0.03-94.7%
XZO Key Insights
Exzeo Group, Inc. (XZO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Profitable underwriting: 51.2% combined ratio
- ✓Excellent 3Y average ROE of 72.4%
- ✓Strong Piotroski F-Score: 7/9
- ✓Low loss ratio of 39.6%
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
XZO Price & Volume
Exzeo Group, Inc. (XZO) stock price & volume — 10-year historical chart
Loading chart...
XZO Growth Metrics
Exzeo Group, Inc. (XZO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years61.3%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-
Return on Capital
10 Years20.86%
5 Years20.86%
3 Years30.07%
Last Year78.92%
XZO Recent Earnings
Exzeo Group, Inc. (XZO) EPS & revenue vs analyst estimates — last 2 quarters
●Beat EPS 2/2 qtrs (100%)●Beat Revenue 2/2 qtrs (100%)
Q1 2026Latest
Feb 25, 2026EPS
$0.25
Est $0.13
+92.3%
Revenue
$51M
Est $44M
+15.7%
Q4 2025
Dec 10, 2025EPS
$0.25
Est $0.24
+4.2%
Revenue
$55M
Est $53M
+3.7%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 25, 2026 | $0.25vs $0.13+92.3% | $51Mvs $44M+15.7% |
| Q4 2025 | Dec 10, 2025 | $0.25vs $0.24+4.2% | $55Mvs $53M+3.7% |
Based on last 2 quarters of dataView full earnings history →
XZO Peer Comparison
Exzeo Group, Inc. (XZO) competitors in industry — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HIFS | 632.2M | 289.70 | 22.54 | 14.09% | 9.79% | 3.47 | ||
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 MFIN | 221.42M | 9.41 | 5.29 | 21.09% | 9.38% | 0.62 | ||
 NRDS | 832.14M | 11.20 | 17.50 | 21.67% | 18.34% | |||
 TREE | 549.66M | 39.67 | 3.68 | 24.12% | 85.96% | 1.52 | ||
 UPST | 2.74B | 28.68 | 63.73 | 58.87% | 6.59% | 2.32 | ||
 LC | 1.96B | 17.06 | 14.83 | 14.97% | 9.47% | 0.01 | ||
 ENVA | 4.3B | 172.57 | 14.90 | 18.58% | 24.88% | 3.41 |
Compare XZO vs Peers
Exzeo Group, Inc. (XZO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
XZO Income Statement
Exzeo Group, Inc. (XZO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'19 | Dec'20 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 21.34M | 51.7M | 88.33M | 133.95M | 216.98M | 196.38M |
| Revenue Growth % | - | 142.27% | 70.85% | 51.64% | 61.99% | - |
| Medical Costs & Claims | 15.4M | 49.64M | 71.35M | 81.07M | 85.96M | 97.21M |
| Medical Cost Ratio % | 72.17% | 96.01% | 80.78% | 60.53% | 39.62% | 49.5% |
| Gross Profit | 5.94M▲ 0% | 2.06M▼ 65.3% | 16.98M▲ 723.1% | 52.87M▲ 211.4% | 131.02M▲ 147.8% | 99.17M▲ 0% |
| Gross Margin % | 27.83% | 3.99% | 19.22% | 39.47% | 60.38% | 50.5% |
| Gross Profit Growth % | - | -65.26% | 723.07% | 211.39% | 147.8% | - |
| Operating Expenses | 0 | 0 | 0 | 0 | 25.03M | 22.25M |
| OpEx / Revenue % | 0% | 0% | 0% | 0% | 11.54% | 11.33% |
| Depreciation & Amortization | 676K | 1.1M | 2.2M | 2.36M | 2.93M | 1.98M |
| Combined Ratio % | 72.17% | 96.01% | 80.78% | 60.53% | 51.15% | 60.83% |
| Operating Income | -1.73M▲ 0% | -8.69M▼ 402.2% | 2.55M▲ 129.4% | 38.02M▲ 1388.5% | 105.99M▲ 178.8% | 72.61M▲ 0% |
| Operating Margin % | -8.11% | -16.81% | 2.89% | 28.38% | 48.85% | 36.97% |
| Operating Income Growth % | - | -402.2% | 129.38% | 1388.53% | 178.8% | - |
| EBITDA | -1.05M | -7.59M | 4.76M | 40.38M | 108.92M | 74.59M |
| EBITDA Margin % | -4.94% | -14.68% | 5.38% | 30.14% | 50.2% | 37.98% |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Operating Income | 0 | 0 | 0 | 0 | -4.3M | -2.04M |
| Pretax Income | -8.49M▲ 0% | -16.46M▼ 93.9% | 883K▲ 105.4% | 35.24M▲ 3890.5% | 110.29M▲ 213.0% | 74.49M▲ 0% |
| Pretax Margin % | -39.79% | -31.84% | 1% | 26.31% | 50.83% | 37.93% |
| Income Tax | -1.58M | -4.04M | -12.02M | 9.17M | 27.54M | 18.82M |
| Effective Tax Rate % | 18.61% | 24.52% | -1361.04% | 26.02% | 24.97% | 25.27% |
| Net Income | -6.91M▲ 0% | -12.42M▼ 79.8% | 20.77M▲ 267.2% | 44.1M▲ 112.3% | 82.75M▲ 87.6% | 55.38M▲ 0% |
| Net Margin % | -32.39% | -24.03% | 23.52% | 32.93% | 38.14% | 28.2% |
| Net Income Growth % | - | -79.77% | 267.22% | 112.29% | 87.62% | - |
| EPS (Diluted) | -0.08▲ 0% | -0.14▼ 84.0% | 0.13▲ 192.9% | 0.37▲ 184.6% | 0.87▲ 135.1% | -▲ 0% |
| EPS Growth % | - | -83.97% | 192.86% | 184.62% | 135.14% | - |
| EPS (Basic) | -0.08 | -0.14 | 0.13 | 0.37 | 0.87 | - |
| Diluted Shares Outstanding | 90.78M | 90.78M | 90.78M | 90.78M | 90.91M | 0 |
XZO Balance Sheet
Exzeo Group, Inc. (XZO) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'19 | Dec'20 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|
| Total Assets | 96.23M | 160.76M | 625.57M | 89.64M | 347.73M | 379.77M |
| Asset Growth % | - | 67.06% | 289.12% | -85.67% | 287.94% | 0% |
| Total Investment Assets | 491K | 2.14M | 0 | 0 | 0 | 1000K |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Investments | 491K | 2.14M | 0 | 0 | 0 | 0 |
| Total Current Assets | 0 | 0 | 0 | 0 | 325.82M | 260.93M |
| Cash & Equivalents | 51.86M | 101.72M | 15.05M | 54.5M | 305.37M | 231.38M |
| Receivables | 6.38M | 7.93M | 9.13M | 5.68M | 8.75M | 48.56M |
| Other Current Assets | -58.73M | -111.8M | -24.18M | -60.18M | 11.7M | 21.35M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 6.39M | 6.37M | 17.36M | 18.8M | 17.55M | 16.84M |
| Other Assets | -8.4M | -9.55M | -17.92M | -19M | 1.39M | 99.1M |
| Total Liabilities | 79.27M | 154.21M | 554.71M | 74.13M | 93.58M | 104.83M |
| Total Debt | 738K | 22.32M | 65.93M | 8.35M | 7.25M | 6.93M |
| Net Debt | -51.12M | -79.41M | 50.87M | -46.15M | -298.13M | -224.45M |
| Long-Term Debt | 0 | 22M | 58.15M | 0 | 0 | 4.48M |
| Short-Term Debt | 0 | 0 | 1.74M | 2.13M | 0 | 2.45M |
| Total Current Liabilities | 0 | 0 | 0 | 0 | 84.39M | 98.58M |
| Accounts Payable | 0 | 0 | 0 | 0 | 7.55M | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 70.89M | 0 |
| Other Current Liabilities | 0 | 0 | -1.74M | -2.13M | 0 | 96.13M |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 2.04M |
| Other Liabilities | -42.53M | -93.83M | -105.43M | -64.11M | 11.87M | 1.77M |
| Total Equity | 16.96M▲ 0% | 6.55M▼ 61.4% | 70.86M▲ 981.7% | 15.51M▼ 78.1% | 254.16M▲ 1539.0% | 274.94M▲ 0% |
| Equity Growth % | - | -61.38% | 981.74% | -78.12% | 1538.98% | 0% |
| Shareholders Equity | 16.96M | 6.55M | 70.86M | 15.51M | 254.16M | 274.94M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 16.82M | -4.91M | -92.5M | -57.33M | 25.42M | 45.82M |
| Common Stock | 0 | 75K | 80K | 83K | 91K | 91K |
| Accumulated OCI | 143K | 384K | -1.8M | 0 | 0 | -361K |
| Return on Equity (ROE) | -40.74% | -105.67% | 53.67% | 102.13% | 61.37% | 30.37% |
| Return on Assets (ROA) | -7.18% | -9.67% | 5.28% | 12.33% | 37.84% | 18.39% |
| Equity / Assets | 17.63% | 4.07% | 11.33% | 17.3% | 73.09% | 72.4% |
| Debt / Equity | 0.04x | 3.41x | 0.93x | 0.54x | 0.03x | 0.03x |
| Book Value per Share | 0.19 | 0.07 | 0.78 | 0.17 | 2.80 | 2.80 |
| Tangible BV per Share | 0.19 | 0.07 | 0.78 | 0.17 | 2.80 | - |
XZO Cash Flow Statement
Exzeo Group, Inc. (XZO) cash flow — operating, investing & free cash flow history
| Line item | Dec'19 | Dec'20 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|
| Cash from Operations | 33.09M | 30.38M | 59.37M | 191.91M | 100.3M | 100.3M |
| Operating CF Growth % | - | -8.19% | 95.4% | 223.25% | -47.74% | 0% |
| Operating CF / Revenue % | 155.08% | 58.77% | 67.21% | 143.27% | 46.22% | 51.07% |
| Net Income | -6.91M | -12.42M | 12.7M | 25.52M | 82.75M | 55.38M |
| Depreciation & Amortization | 676K | 1.1M | 2.2M | 2.36M | 2.93M | 2.57M |
| Stock-Based Compensation | 0 | 0 | 0 | 0 | 2.64M | 1.47M |
| Deferred Taxes | 0 | 0 | 0 | 0 | -5.1M | 2.9M |
| Other Non-Cash Items | 3.19M | 1.75M | 46.66M | 148.23M | 173K | 521K |
| Working Capital Changes | 36.13M | 39.95M | -2.19M | 15.8M | 16.9M | -11.17M |
| Cash from Investing | -735K | -2.51M | -16.6M | -192.52M | -2.84M | -101.99M |
| Capital Expenditures | -2.45M | -1.49M | -3.25M | -3.33M | -2.84M | -2.44M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchase of Investments | -11.93M | -18.51M | 0 | 0 | 0 | -101.01M |
| Sale/Maturity of Investments | 13.65M | 17.48M | 0 | 0 | 0 | 1.45M |
| Other Investing | 0 | 0 | -13.35M | -189.19M | 0 | 4K |
| Cash from Financing | 4.99M | 21.99M | -7.12M | -6.4M | 153.65M | 151.04M |
| Dividends Paid | 0 | 0 | -6.76M | -2.92M | 0 | -2.54M |
| Share Repurchases | 0 | 0 | -352K | -100.48M | -1.49M | -1.49M |
| Stock Issued | 5M | 10K | 0 | 0 | 156.21M | 156.21M |
| Debt Issuance (Net) | -12K | 1000K | -9K | 1000K | 0 | -4K |
| Other Financing | 0 | -9K | 0 | 0 | -1.07M | -1.13M |
| Net Change in Cash | 51.86M▲ 0% | 49.86M▼ 3.9% | 15.05M▼ 69.8% | 39.45M▲ 162.0% | 250.87M▲ 536.0% | 100.66M▲ 0% |
| Exchange Rate Effect | 14.52M | 2K | -20.59M | 46.45M | -230K | -268K |
| Cash at Beginning | 0 | 51.86M | 0 | 15.05M | 54.5M | 305.37M |
| Cash at End | 51.86M | 101.72M | 15.05M | 54.5M | 305.37M | 231.38M |
| Free Cash Flow | 30.64M▲ 0% | 28.9M▼ 5.7% | 56.12M▲ 94.2% | 188.58M▲ 236.0% | 97.45M▼ 48.3% | 49.44M▲ 0% |
| FCF Growth % | - | -5.69% | 94.21% | 236.01% | -48.32% | - |
| FCF Margin % | 143.58% | 55.89% | 63.53% | 140.78% | 44.91% | 25.17% |
| FCF per Share | 0.34 | 0.32 | 0.62 | 2.08 | 1.07 | 1.07 |
XZO Key Ratios
Exzeo Group, Inc. (XZO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Combined Ratio | 96.01% | 80.78% | 60.53% | 51.15% | 60.83% |
| Medical Cost Ratio | 96.01% | 80.78% | 60.53% | 39.62% | 49.5% |
| Return on Equity (ROE) | -105.67% | 53.67% | 102.13% | 61.37% | 30.37% |
| Return on Assets (ROA) | -9.67% | 5.28% | 12.33% | 37.84% | 18.39% |
| Equity / Assets | 4.07% | 11.33% | 17.3% | 73.09% | 72.4% |
| Book Value / Share | 0.07 | 0.78 | 0.17 | 2.8 | 2.8 |
| Debt / Equity | 3.41x | 0.93x | 0.54x | 0.03x | 0.03x |
| Revenue Growth | 142.27% | 70.85% | 51.64% | 61.99% | - |
XZO SEC Filings & Documents
Exzeo Group, Inc. (XZO) SEC filings — annual & quarterly reports (10-K, 10-Q)
XZO Frequently Asked Questions
Exzeo Group, Inc. (XZO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Exzeo Group, Inc. (XZO) grew revenue by 62.0% over the past year. This is strong growth.
Yes, Exzeo Group, Inc. (XZO) is profitable, generating $55.4M in net income for fiscal year 2025 (38.1% net margin).
Dividend & Returns
Exzeo Group, Inc. (XZO) has a return on equity (ROE) of 61.4%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
Exzeo Group, Inc. (XZO) has a combined ratio of 51.2%. A ratio below 100% indicates underwriting profitability.
Explore More XZO
Exzeo Group, Inc. (XZO) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates