XZO

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Exzeo Group, Inc.

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Key Metrics

Previous Close: $14.44
52-Week Range: $12.36 – $24.60
Market Cap: $1.30B
P/E (TTM): 15.00
EPS (TTM): 0.96
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 4.76
PEG Ratio: —
Return on Equity: 50.37%
Return on Assets: 26.58%
Gross Margin: 100.00%
Operating Margin: 51.73%
Profit Margin: 37.67%
Current Ratio: 1.85
Debt/Equity: 0.02
Total Debt: $6.62M
Free Cash Flow: $68.55M
Revenue Growth: 6.90%
Earnings Growth: -1.40%
Enterprise Value: $1.17B

XZO Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	—	—	—	$216.98M
Cost of Revenue	—	—	—	$85.96M
Gross Profit	—	—	—	$131.02M
Research & Development	—	—	—	$8.83M
Selling, General & Admin	—	—	—	$15.72M
Operating Expenses	—	—	—	$25.03M
Operating Income	—	—	—	$105.99M
EBITDA	—	—	—	$113.23M
Pretax Income	—	—	—	$110.29M
Income Tax	—	—	—	$27.54M
Net Income	—	—	—	$82.75M
Diluted EPS	-0.75	0.13	0.39	0.99
Diluted Shares	90.78M	90.78M	90.78M	80.17M

XZO Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$52.41M	$56.09M	$55.17M	$53.32M	$55.53M	$57.79M
Cost of Revenue	$23.58M	$22.54M	$21.39M	$18.44M	$22.79M	$20.95M
Gross Profit	$28.82M	$33.55M	$33.77M	$34.87M	$32.74M	$36.84M
Research & Development	$2.22M	$2.35M	$2.49M	$1.76M	$2.31M	$2.44M
Selling, General & Admin	$2.71M	$2.96M	$3.90M	$6.16M	$5.22M	$5.79M
Operating Expenses	$5.03M	$5.42M	$6.52M	$8.06M	$7.67M	$8.38M
Operating Income	$23.80M	$28.13M	$27.25M	$26.81M	$25.07M	$28.46M
EBITDA	$24.51M	$28.86M	$29.25M	$29.45M	$25.80M	$29.20M
Pretax Income	$24.20M	$28.89M	$28.35M	$28.85M	$27.59M	$31.43M
Income Tax	$6.24M	$7.23M	$7.20M	$6.87M	$7.18M	$8.16M
Net Income	$17.95M	$21.66M	$21.15M	$21.98M	$20.41M	$23.27M
Diluted EPS	0.20	0.24	0.23	0.25	0.22	0.26
Diluted Shares	90.70M	90.70M	90.78M	84.44M	88.39M	88.23M

XZO Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	—	—	$140.92M	$305.37M	$231.38M	$136.73M
Receivables	$5.68M	$19.02M	$13.31M	$14.20M	$22.41M	$22.16M
Current Assets	—	—	$162.65M	$325.82M	$260.93M	$169.70M
Total Assets	—	—	$182.25M	$347.73M	$379.77M	$385.78M
Current Liabilities	—	—	$93.93M	$84.39M	$98.58M	$91.73M
Total Debt	—	—	$7.51M	$7.25M	$6.93M	$6.62M
Total Liabilities	—	—	$103.82M	$93.58M	$104.83M	$97.61M
Retained Earnings	—	—	$3.43M	$25.42M	$45.82M	$69.09M
Shareholders' Equity	—	—	$78.43M	$254.16M	$274.94M	$288.17M
Working Capital	—	—	$68.72M	$241.43M	$162.35M	$77.97M

XZO Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$19.77M	$37.75M	$31.49M	$11.28M	$25.47M	$15.41M
Capital Expenditure	-$769.00K	-$483.00K	-$1.19M	-$403.00K	-$327.00K	-$209.00K
Free Cash Flow	$19.00M	$37.27M	$30.30M	$10.88M	$25.14M	$15.21M
Depreciation & Amortisation	$709.00K	$730.00K	$901.00K	$594.00K	$730.00K	$736.00K
Stock-Based Compensation	$723.00K	$706.00K	$731.00K	$476.00K	$740.00K	$759.00K
Investing Cash Flow	-$769.00K	-$483.00K	-$1.19M	-$403.00K	-$99.32M	-$99.61M
Financing Cash Flow	$0.00	$0.00	$0.00	$153.65M	-$57.00K	-$10.36M
Dividends Paid	—	—	$0.00	$0.00	—	—
Share Repurchases	—	—	$0.00	-$1.49M	—	—
Net Change in Cash	$19.00M	$37.27M	$30.30M	$164.52M	-$73.91M	-$94.56M

Market Snapshot

About

Exzeo Group, Inc. is a technology-driven insurance company that provides homeowners and property insurance products. The company utilizes data analytics and digital platforms to streamline insurance operations and improve customer experience. Exzeo focuses on the residential property insurance market with an emphasis on technology-enabled underwriting and claims processing.