Exzeo Group Inc.
XZO | NYSE
$18.34
+$0.46 (+2.57%)
Nov 2, 2026, 11:37 AM ET · Market open
Market Data
Market Cap $1.65B
Enterprise Value $1.48B
Beta 0.50
Average Volume 262.79K
Shares Outstanding (Diluted) 90.91M
Shares Change YoY 0.15%
Institutional Ownership 7.09%
Exchange NYSE
ISIN US30234F1012
Price Performance
Price Change 1M 27.4%
Price Change 3M 14.8%
Price Change 6M 13.5%
Price Change YTD -24.4%
Price Change 1Y N/A
Price Change 3Y N/A
Price Change 5Y N/A
1M CAGR (ann.) 8.0%
1Y CAGR (ann.) N/A
5Y CAGR (ann.) N/A
All-Time CAGR -15.1%
Valuation
PE Ratio 19.23
Forward PE 15.29
PEG Ratio 0.40
Forward PEG 1.66
PS Ratio 7.26
Forward PS 6.20
PB Ratio 5.59
P/FCF Ratio 19.76
P/Adj. FCF Ratio 20.31
P/OCF Ratio 19.43
EV/Sales 6.68
EV/EBIT 12.74
EV/EBITDA 12.43
EV/FCF 18.16
Earnings Yield 5.2%
FCF Yield 5.1%
Adj. FCF Yield 4.9%
Financial Health
Net Cash $136.73M
Total Debt $6.62M
Cash & Short-Term Investments $136.73M
Total Assets $385.78M
Current Ratio 1.85
Quick Ratio 1.85
Debt / Equity Ratio 0.02
Debt / EBITDA 0.06
Debt / FCF 0.08
OCF / Debt 12.63
Interest Coverage 0.00
Altman Z-Score 11.96
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 61.1%
Operating Profit Margin 48.5%
EBITDA Margin 53.7%
Net Profit Margin 39.1%
FCF Margin 36.8%
Adj. FCF Margin 35.8%
SBC / Revenue 1.0%
SBC Impact (per share) -2.7%
Returns
Return on Assets 22.5%
Return on Equity 38.8%
Return on Invested Capital 27.1%
Return on Capital Employed 36.6%
Return on Tangible Assets 22.5%
Historical Growth (CAGR)
Revenue CAGR 3Y 157.7%
Revenue CAGR 5Y 59.0%
Revenue CAGR 10Y N/A
EPS CAGR 3Y 143.4%
EPS CAGR 5Y 291.5%
EPS CAGR 10Y N/A
FCF CAGR 3Y 112.5%
FCF CAGR 5Y 26.0%
FCF CAGR 10Y N/A
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 4, 2026
EPS Estimate (next Q) $0.25
EPS Growth Est (next Q) N/A
Revenue Est (next Q) $54.95M
Revenue Growth Est (next Q) -0.4%
Fair Value Estimates
Graham Number $8.14
Graham Upside -54.5%
Lynch Fair Value $23.25
Lynch Upside 30.0%
Price Target $0.00
Price Target Upside N/A
Cash Flow
Operating Cash Flow $83.66M
Free Cash Flow $81.53M
Adj. Free Cash Flow $79.3M
FCF Per Share $0.90
OCF Per Share $0.92
OCF/S Ratio 37.7%
Income Statement
Revenue $221.8M
Gross Profit $135.6M
Operating Income $107.6M
EBITDA $119.16M
Net Income $86.81M
EPS (Diluted) $0.93
Revenue / Employee $626.56K
Profit / Employee $245.23K
Employees 354
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