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
$17.04
19.6× P/E·Price updated Jun 30, 2026
- Revenue$217M+62.0%
- EBITDA$109M+169.8%
- Net Income$83M+87.6%
- EPS (Diluted)0.87+135.1%
- Gross Margin58.81%+49.0%
- EBITDA Margin50.2%+66.5%
- Operating Margin48.85%+72.1%
- Net Margin38.14%+15.8%
- ROE61.37%-39.9%
XZO Price & Volume
Exzeo Group, Inc. (XZO) stock price & volume — 10-year historical chart
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Rapid Underwriting Scaling Drives Margin Expansion
Investment Thesis • Updated 2026Q1
VerdictPositive: The company demonstrates strong fundamental momentum with a 15.82 forward P/E ratio and a significant cash buffer of $231.4M
Growth:Accelerating
Profitability:Strong
Financial:Fortress
Cash Flow:Robust
Primary Risk:Long-tail reserve volatility
Key Thesis Takeaways
- Exzeo Group has successfully transitioned from a loss-making entity to a profitable specialty insurer, evidenced by revenue growth from $14.8M in 2020Q4 to $55.5M in 2026Q1.
- While the company maintains a fortress balance sheet with $231.4M in cash and minimal debt, the strategic pivot toward longer-tail casualty lines warrants caution regarding future reserve adequacy.
- Investors should monitor whether the current 45.2% operating margin can be sustained as the firm navigates the inherent volatility of its evolving risk portfolio.
Verdict Logic
suggesting the current valuation is attractive relative to its rapid earnings growth.
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 3 quarters
●Beat EPS 3/3 qtrs (100%)●Beat Revenue 2/3 qtrs (67%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$0.22+10.0%
$0.20
Rev
$54M-5.9%
$57M
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$0.25+92.3%
$0.13
Rev
$51M+15.7%
$44M
Q4 2025
Dec 10, 2025Metric
Actual
Est
EPS
$0.25+4.2%
$0.24
Rev
$55M+3.7%
$53M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $0.22vs $0.20+10.0% | $54Mvs $57M-5.9% |
| Q1 2026 | 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 3 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Exzeo Group, Inc. (XZO)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $17.04 | $1.55B | 19.59 | 61.99% | 38.14% | 61.37% | — | |
| $306.99 | $669.31M | 12.40 | 8.92% | 22.1% | 10.76% | — | |
| $23.42 | $225.87M | 16.04 | -9.41% | 16.49% | 8% | — | |
| $10.30 | $245.66M | 5.79 | 21.09% | 11.67% | 7.73% | — | |
| $9.39 | $683.61M | 14.67 | 21.67% | 8.11% | 18.34% | — | |
| $42.76 | $592.47M | 3.97 | 24.12% | 15.02% | 85.96% | — |
Compare XZO vs Peers
Exzeo Group, Inc. (XZO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
XZO SEC Filings & Documents
Exzeo Group, Inc. (XZO) SEC filings — annual & quarterly reports (10-K, 10-Q)
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XZO Frequently Asked Questions
Exzeo Group, Inc. (XZO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Exzeo Group, Inc.'s revenue?
Exzeo Group, Inc. (XZO) reported $196.4M in revenue for fiscal year 2025. This represents a 820% increase from $21.3M in 2019.
How fast is Exzeo Group, Inc. growing?
Exzeo Group, Inc. (XZO) grew revenue by 62.0% over the past year. This is strong growth.
Is XZO profitable?
Yes, Exzeo Group, Inc. (XZO) is profitable, generating $56.4M in net income for fiscal year 2025 (38.1% net margin).
Dividend & Returns
What is XZO's return on equity?
Exzeo Group, Inc. (XZO) has a return on equity (ROE) of 61.4%. This is excellent, indicating efficient use of shareholder capital.
What is Exzeo Group, Inc.'s free cash flow?
Exzeo Group, Inc. (XZO) generated $49.4M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.