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Friday 6 November 2026
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Exzeo Group, Inc.
XZO Financial Insurance Diversified
Exzeo Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $217.0 million, up 62.0% from fiscal 2024.
- Revenue
- +0.04%
- EPS
- 0.00%
- Free cash flow
- −101.1%
Quarter to September 2026, against a year earlier
16.25
0.98
−5.69%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Sep ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 88 | 134 | 217 | 222 | +56.7% | 224 | 261 | 224 | +1.1% | |
| Gross margin, % | — | — | — | — | — | — | — | 19.55 | 39.72 | 60.38 | 62.53 | +40.8 pt | ||||||
| EBT | — | — | — | — | — | — | — | 1 | 35 | 110 | 118 | +1,017.6% | ||||||
| EBT margin, % | — | — | — | — | — | — | — | 1.00 | 26.31 | 50.83 | 53.06 | +49.8 pt | ||||||
| Net income | — | — | — | — | — | — | — | 21 | 45 | 83 | 88 | +96.4% | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 1.16 | 1.73 | 2.71 | 0.00 | +52.7% | |||||
| Earnings | — | — | — | — | — | — | — | 0.15 | 0.44 | 0.99 | 0.98 | +156.9% | ||||||
| Cash flow | — | — | — | — | — | — | — | 0.13 | 0.64 | 1.25 | 0.95 | +206.2% | ||||||
| Capex | — | — | — | — | — | — | — | (0.04) | (0.04) | (0.04) | 0.00 | (8.8%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 0.09 | 0.59 | 1.22 | 0.00 | +266.1% | ||||||
| Book value | — | — | — | — | — | — | — | 0.00 | 0.20 | 3.17 | 0.00 | n/m | ||||||
| Shares, m | — | — | — | — | — | — | — | 76 | 77 | 80 | 84 | +2.6% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 26.33 | 26.33 | 24.54 | 17.67 | 25.7 | |||||
| P/S | — | — | — | — | — | — | — | 8.58 | 8.58 | 8.96 | 6.89 | 8.7 | ||||||
| P/B | — | — | — | — | — | — | — | 21.09 | 21.09 | 7.65 | 5.13 | 16.6 | ||||||
| EV/Sales | — | — | — | — | — | — | — | 8.49 | 8.49 | 7.55 | — | 8.2 | ||||||
| EV/FCF | — | — | — | — | — | — | — | 15.46 | 15.46 | 16.82 | — | 15.9 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 10 | 49 | 100 | 84 | +214.3% | |||||
| Capex | — | — | — | — | — | — | — | (3) | (3) | (3) | (1) | (6.4%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | 7 | 46 | 97 | (1) | +275.7% | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | 11 | 241 | 50 | +2,124.4% | |||||
| Net debt | — | — | — | — | — | — | — | — | (55) | (305) | (116) | +460.3% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | 16 | 254 | 298 | +1,539.0% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 78.65 | 37.86 | 29.72 | +37.9 pt | |||||
| ROIC | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 36.63 | 0.0 pt | ||||||
| ROE | — | — | — | — | — | — | — | 0.00 | 0.00 | 61.37 | 45.77 | +61.4 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 353 | 354 | — | +0.3% | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 0.38 | 0.61 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026
Exzeo Group, Inc. vs peers in Insurance Diversified (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| AIG American International Group, Inc. | $42.3B | 13.1× | 11.5× | +17.19% (above 0%: growing) | +71.28% (above 0%: growing) | +100.37% (above 0%: growing) | 0.00% | 0.00% | Compare |
| ACGL Arch Capital Group Ltd. | $37.7B | 8.8× | 9.2× | −8.89% (below 0%: shrinking) | −15.09% (below 0%: shrinking) | −19.60% (below 0%: shrinking) | 37.31% | 26.42% | Compare |
| HIG The Hartford Insurance Group, Inc. | $36.7B | 8.2× | 9.0× | +3.94% (above 0%: growing) | +28.27% (above 0%: growing) | +67.37% (above 0%: growing) | 48.57% | 22.62% | Compare |
| AEG Aegon NV | $12.6B | — (loss-making) | 8.4× | −53.52% (below 0%: shrinking) | −86.85% (below 0%: shrinking) | +30.41% (above 0%: growing) | 14.93% | (11.60%) | Compare |
| BNT Brookfield Wealth Solutions Ltd. | $12.4B | 48.5× | — | +38.85% (above 0%: growing) | −80.05% (below 0%: shrinking) | +154.51% (above 0%: growing) | 26.99% | 10.58% | Compare |
| PLGO Pelagos Insurance Capital Limited | $2.3B | 6.7× | 7.4× | +10.30% (above 0%: growing) | +194.44% (above 0%: growing) | +92.57% (above 0%: growing) | 15.54% | 10.68% | Compare |
| XZO Exzeo Group, Inc. | $1.6B | 17.7× | 18.0× | +0.04% (above 0%: growing) | 0.00% | −101.10% (below 0%: shrinking) | 62.06% | 47.39% | |
| IGIC International General Insurance Holdings Ltd. | $1.0B | 10.1× | 8.3× | +8.54% (above 0%: growing) | −12.00% (below 0%: shrinking) | −54.63% (below 0%: shrinking) | 34.54% | 14.30% | Compare |
| WDH Waterdrop Inc. Unsponsored ADR | $280.7M | 4.8× | 4.9× | +82.47% (above 0%: growing) | 0.00% | +117.24% (above 0%: growing) | 62.90% | 7.68% | Compare |
| Median of peers | $12.5B | 8.8× | 8.4× | +9.42% | −6.00% | +79.97% | 30.77% | 10.63% |