NYSE · Insurance - Diversified

XZO (XZO) Stock

$15.90 +3.85% NYSE: XZO Financial Services

Valuation

MetricValue
Price$15.90
Market Cap$1.45B
P/E Ratio14.15
P/B Ratio4.76
P/S Ratio5.50
EPS (TTM)$0.99
52-Week High$24.60
52-Week Low$12.36
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE58.67%
ROA23.85%
ROCE41.73%
Gross Margin60.11%
Operating Margin48.73%
Net Margin38.71%
Debt/Equity0.03
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 Ratio16.15
EV / EBITDA8.29
FCF Yield8.56%
Quick Ratio2.65
Interest Coverage—
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. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About XZO

XZO is led by CEO Pareshbhai Suryakant Patel, publicly traded since 2025.

XZO stock trades at $15.90 with a market capitalization of $1.45B. The stock is valued at a price-to-earnings (P/E) ratio of 14.15, price-to-book of 4.76, price-to-sales of 5.50. 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, XZO generates a return on equity (ROE) of 58.67% — well above the market average, a sign of a high-quality business, return on capital employed of 41.73%, an operating margin of 48.73%, a net profit margin of 38.71%.

Related Financial Services Stocks

BRK.A Insurance - Diversified $733370.00 +0.00% BRK.B FIRE, MARINE & CASUALTY INSURANCE $482.70 +0.00% JPM Banks - Diversified $357.52 +0.34% V Financial - Credit Services $362.50 -2.15% MA Financial - Credit Services $562.95 -2.26% BAC Banks - Diversified $63.17 +0.27% HSBC Banks - Diversified $102.60 -1.06% MS Financial - Capital Markets $203.19 -3.97% GS Financial - Capital Markets $980.75 -5.09% RY Banks - Diversified $206.45 -2.79% WFC Banks - Diversified $83.87 -3.45% MUFG Banks - Diversified $21.94 -2.18%

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