NYSE · Insurance - Diversified

Exzeo Group, Inc. (XZO) Stock

$15.89 +4.40% NYSE: XZO Financial Services

Valuation

MetricValue
Price$15.89
Market Cap$1.44B
P/E Ratio16.15
P/B Ratio4.74
P/S Ratio6.15
EPS (TTM)$0.99
52-Week High$24.60
52-Week Low$12.36
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE38.77%
ROA22.50%
ROCE36.59%
Gross Margin60.11%
Operating Margin48.73%
Net Margin39.14%
Debt/Equity0.02
Current Ratio3.88

Annual Financials (USD)

Metric20202022202320242025
Revenue$52.0M$46.0M$88.0M$134.0M$217.0M
Operating Profit$-9.0M$-38.0M$3.0M$38.0M$106.0M
Net Profit$-12.0M$-55.0M$21.0M$44.0M$83.0M
EPS$-0.14$-0.70$0.13$0.37$0.87
Op Margin-16.8%-82.7%2.9%28.4%48.9%

Balance Sheet (USD)

Metric20202022202320242025
Total Assets$161.0M—$626.0M$90.0M$348.0M
Total Liabilities$154.0M—$555.0M$74.0M$94.0M
Cash$102.0M—$15.0M$55.0M$305.0M
Borrowings$22.0M$0$66.0M$8.0M$7.0M

Latest News

Exzeo Group Sets Second Quarter 2026 Earnings Call for Thursday, August 6, 2026, at 5:45 p.m. ET Business Wire · Jul 14, 2026 HCI Group Declares Quarterly Cash Dividend GlobeNewswire · Jul 8, 2026 Is Exzeo Group, Inc. (XZO) A Good Stock To Buy Now? Insider Monkey · Jun 29, 2026 Exzeo Group, Inc. (XZO): 10 Best Insurance Stocks to Buy Following Q1 Earnings Insider Monkey · Jun 12, 2026 3 Undervalued Small Caps With Insider Buying Across Regions Simply Wall St. · Jun 1, 2026

Cash Flow (USD)

Metric20202022202320242025
Operating Cash Flow$30.0M$-17.0M$59.0M$192.0M$100.0M
Investing Cash Flow$-4.0M$-245.0M$-20.0M$-196.0M$-6.0M
Financing Cash Flow$0$18.0M$0$-100.0M$-3.0M
Net Cash Flow$50.0M$-102.0M$15.0M$39.0M$251.0M
Free Cash Flow$29.0M$-20.0M$56.0M$189.0M$97.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.11
EV / EBITDA10.36
FCF Yield5.97%
Quick Ratio1.85
Interest Coverage0.00
Return 1Y—
Return 3Y—
Return 5Y—

Ownership

Insiders Held86.38%
Institutions Held8.61%
Institutions Float Held63.22%
Institutional HolderSharesReport Date
Janus Henderson Group PLC703,3042026-03-31
FJ Capital Management LLC682,4402026-03-31
Goldman Sachs Group Inc604,2732026-03-31
Jennison Associates LLC574,9172026-03-31
Driehaus Capital Management, LLC529,7522026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $340.42 +1.11% 38.93 $5.00T 0.32%
MSFTMicrosoft Corporation $522.61 -1.35% 28.68 $3.88T 0.76%
GOOGLAlphabet Inc. $348.29 -0.63% 16.94 $4.22T 0.26%
AMZNAmazon.com, Inc. $254.06 -2.25% 19.82 $2.73T 0.00%
METAMeta Platforms, Inc. $720.89 -0.06% 27.93 $1.84T 0.28%

About Exzeo Group, Inc.

Exzeo Group, Inc. is led by CEO Pareshbhai Suryakant Patel, publicly traded since 2025.

Exzeo Group, Inc. (XZO) stock trades at $15.89 with a market capitalization of $1.44B. The stock is valued at a price-to-earnings (P/E) ratio of 16.15, price-to-book of 4.74, price-to-sales of 6.15. Over the past 52 weeks the stock has ranged between $12.36 and $24.60, and currently trades 35.4% below its 52-week high.

On profitability, Exzeo Group, Inc. generates a return on equity (ROE) of 38.77% — well above the market average, a sign of a high-quality business, return on capital employed of 36.59%, an operating margin of 48.73%, a net profit margin of 39.14%.

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