Exzeo Group
XZO
15.22
+0.18
+1.20%
Exzeo Group
US · XZO
#3066 by market cap
Listed 2025
15.22
+0.18
+1.20%
Live - 5344 symbols - heartbeat 73s ago
· 2026-10-07 19:54
After-hours
15.22
0.00%
- Market cap
- 1.37B
- P/E (TTM)i
- 16.38
- P/Bi
- 4.76
- EPSi
- 0.87
- Div yieldi
- 0.00%
- 52W posi
- 23%
Reader sentiment
Are you bullish or bearish on XZO?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 11.36, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 6 years
Latest year +61.99% YoY
Margins
- Gross margin
- 60.38%
- Operating margin
- 48.85%
- Net margin
- 38.14%
Key ratios & quality
- Altman Z-Scorei
- 11.36
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2019 | 2020 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Revenue | 21.83M | 51.73M | 45.63M | 88.33M | 133.95M | 216.98M |
| Gross profit | -- | -- | -26.11M | 17.27M | 53.21M | 131.02M |
| Selling & admin expenses | 8.16M | 10.78M | 7.34M | 7.90M | 8.34M | 15.72M |
| Research & development | -- | -- | 4.13M | 6.53M | 6.51M | 8.83M |
| Operating profit | -- | -- | -37.75M | 2.55M | 38.02M | 105.99M |
| Pretax profit | -8.49M | -16.46M | -38.61M | 883.00K | 35.24M | 110.29M |
| Tax | -1.58M | -4.04M | 3.41M | -12.02M | 9.17M | 27.54M |
| Net profit | -6.91M | -12.42M | -59.32M | 21.46M | 45.32M | 82.75M |
| Basic EPS | 0 | 0 | -1 | 0 | 0 | 1 |
| Diluted EPS | -0.09 | -0.17 | -0.75 | 0.13 | 0.39 | 0.99 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 52.41M | 56.09M | 55.17M | 53.32M | 55.53M | 57.79M |
| Gross profit | 28.83M | 33.55M | 33.77M | 34.87M | 32.74M | 36.84M |
| Selling & admin expenses | 2.71M | 2.96M | 3.90M | 6.16M | 5.22M | 5.79M |
| Research & development | 2.22M | 2.35M | 2.49M | 1.76M | 2.31M | 2.44M |
| Operating profit | 23.80M | 28.13M | 27.25M | 26.81M | 25.08M | 28.46M |
| Pretax profit | 24.20M | 28.89M | 28.35M | 28.85M | 27.59M | 31.43M |
| Tax | 6.24M | 7.23M | 7.20M | 6.87M | 7.18M | 8.16M |
| Net profit | 17.95M | 21.66M | 21.15M | 21.98M | 20.41M | 23.27M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.20 | 0.24 | 0.23 | 0.25 | 0.22 | 0.26 |
Balance sheet
| Line item | 2019 | 2020 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total current assets | -- | -- | -- | 271.00M | 67.23M | 325.82M |
| Cash & ST investments | 55.93M | 101.87M | -- | 15.06M | 54.50M | 305.37M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 94.23M | 157.58M | -- | 625.01M | 89.44M | 347.73M |
| Total current liabilities | -- | -- | -- | 334.80M | 56.38M | 84.39M |
| Short-term debt | -- | -- | -- | 1.74M | 2.13M | 2.41M |
| Long-term debt | -- | 22.00M | -- | 58.15M | -- | -- |
| Total liabilities | 77,268,000.00 | 151,030,000.00 | -- | 650,302,000.00 | 73,934,000.00 | 93,578,000.00 |
| Total equity | 16.96M | 6.55M | -- | -25.30M | 15.51M | 254.16M |
| Retained earnings | 0 | -4.91M | -- | -92.50M | -57.33M | 25.42M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | -- | 138.38M | 162.65M | 325.82M | 260.93M | 169.70M |
| Cash & ST investments | -- | 110.73M | 140.92M | 305.37M | 231.38M | 136.73M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | -- | 160.81M | 182.25M | 347.73M | 379.77M | 385.78M |
| Total current liabilities | -- | 93.84M | 93.93M | 84.39M | 98.58M | 91.74M |
| Short-term debt | -- | 2.29M | 2.35M | 2.41M | 2.45M | 2.48M |
| Long-term debt | -- | -- | -- | -- | -- | -- |
| Total liabilities | -- | 104,261,000.00 | 103,822,000.00 | 93,578,000.00 | 104,827,000.00 | 97,612,000.00 |
| Total equity | -- | 56.55M | 78.43M | 254.16M | 274.94M | 288.17M |
| Retained earnings | -- | -17.72M | 3.43M | 25.42M | 45.82M | 69.09M |
Cash flow
| Line item | 2019 | 2020 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Operating cash flow | 33.09M | 30.38M | -13.99M | 10.15M | 49.27M | 100.30M |
| Depreciation & amortization | -- | -- | 1.69M | 2.20M | 2.36M | 2.93M |
| Free cash flow | 30.64M | 28.90M | -17.44M | 6.91M | 45.93M | 97.45M |
| Dividends paid | -- | -- | -5.51M | -6.76M | -2.92M | 0 |
| Stock buybacks / issuance | 0 | 10.00K | -406.00K | -352.00K | -481.00K | 154.72M |
| Ending cash balance | 51.86M | 101.73M | 15.32M | 15.06M | 54.50M | 305.37M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 19.77M | 37.75M | 31.49M | 11.28M | 25.47M | 15.42M |
| Depreciation & amortization | 709.00K | 730.00K | 901.00K | 594.00K | 730.00K | 736.00K |
| Free cash flow | 19.00M | 37.27M | 30.30M | 10.88M | 25.15M | 15.21M |
| Dividends paid | -- | -- | -- | 0 | -- | -- |
| Stock buybacks / issuance | -- | -- | 0 | 154.72M | -- | -- |
| Ending cash balance | 73.49M | 110.73M | 140.92M | 305.37M | 231.38M | 136.73M |
Returns & efficiency
| Line item | 2019 | 2020 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| ROE %i | -40.74 | -105.67 | -- | -- | -- | 61.37 |
| ROA %i | -7.33 | -9.87 | -- | 1.93 | 9.85 | 37.86 |
| ROIC %i | -39.03 | -53.35 | -- | -- | -- | 58.02 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -38.89 | -31.82 | -82.67 | 2.95 | 28.79 | 50.83 |
| FCF / sales %i | 140.36 | 55.86 | -- | 7.82 | 34.29 | 44.91 |
| Current ratioi | -- | -- | -- | 0.81 | 1.19 | 3.86 |
| Quick ratioi | -- | -- | -- | 0.07 | 1.07 | 3.79 |
| Debt / assetsi | 0.78 | 14.16 | -- | 10.55 | 9.34 | 2.08 |
| LT debt / equityi | 4.35 | 340.65 | -- | -- | 40.10 | 1.90 |
| Interest coveragei | -4,244.50 | -8,229.50 | -42.77 | 1.51 | 11.58 | -- |
| Revenue CAGR (3Y) %i | -- | -- | 27.86 | 19.53 | 26.83 | 68.16 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -37.94 | 12.27 | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -- | 100.04 | 92.39 | 61.37 | 30.99 | 50.37 |
| ROA %i | -- | 35.18 | 39.76 | 37.86 | 22.44 | 31.76 |
| ROIC %i | -- | 87.92 | 84.32 | 58.02 | 30.23 | 48.34 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -- | 41.62 | 46.70 | 50.83 | 50.69 | 50.45 |
| FCF / sales %i | -- | 47.10 | 50.84 | 44.91 | 47.07 | 36.76 |
| Current ratioi | -- | 1.47 | 1.73 | 3.86 | 2.65 | 1.85 |
| Quick ratioi | -- | 1.38 | 1.64 | 3.79 | 2.57 | 1.73 |
| Debt / assetsi | -- | 4.86 | 4.12 | 2.08 | 1.82 | 1.72 |
| LT debt / equityi | -- | 9.76 | 6.58 | 1.90 | 1.63 | 1.44 |
| Interest coveragei | -- | 3,295.65 | 12,153.38 | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Single-engine
- Underwriting and management services is the largest reported line at 83.66% of revenue, across 3 reported segments.
- The next-largest line, Claim services, is a distant second at 11.67% - a sharp slowdown here would have little to offset it.
Revenue breakdown most recent period
Business
Underwriting and management services83.66%
Claim services11.67%
Other technology services4.67%
Quote time 2026-10-07 19:54:59 · For reference only, not investment advice and not tailored to your situation.