Saturday 17 October 2026
Export XZO’s income statement to Excel — free account
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. In the quarter to June 2026, revenue grew 3.02%, EPS fell 5.49% and free cash flow fell 59.2%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
16.65
0.04
−0.24%
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| Dec '25 | Dec '24 | Dec '23 | |
|---|---|---|---|
P/E ratio |
24.17 | 25.84 | 25.84 |
P/S ratio |
8.96 | 9.22 | 9.22 |
P/FCF ratio |
19.95 | 16.79 | 16.79 |
P/Operating CF |
172.34 | 56.45 | 56.45 |
P/B ratio |
7.65 | 22.66 | 22.66 |
Price to Tangible BV |
7.65 | 22.66 | 22.66 |
EV/Sales |
7.55 | 8.49 | 8.49 |
EV/EBITDA |
15.05 | 18.55 | 18.55 |
EV/Operating CF |
16.34 | 15.02 | 15.02 |
EV/FCF |
16.82 | 15.46 | 15.46 |
Quick Ratio |
3.79 | 1.07 | — |
Current Ratio |
3.86 | 1.19 | — |
Net Debt/EBITDA |
(2.80) | (1.35) | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 |
Asset Turnover |
0.99 | 3.00 | 0.00 |
Operating CF/Net income |
1.21 | 1.40 | 0.84 |
Capex/Depreciation |
(0.97) | (1.41) | (1.47) |
Interest Coverage |
— | 11.42 | 1.48 |
| 61.37% | 0.00% | 0.00% | |
| 37.86% | 78.65% | 0.00% | |
ROIC |
0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
32.82% | 162.79% | 0.00% |
Average Days of Receivables |
23.89 | 15.48 | 0.00 |
Research and Development Expense of Revenue |
4.07% | 4.86% | 7.39% |
Selling, General and Administrative Expense of Revenue |
7.25% | 6.23% | 8.94% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.21% | 2.52% | 3.31% |
Graham Net Nets |
0.12 | 0.03 | 0.03 |
Graham Number |
8.46 | 0.00 | 0.00 |
Earnings Yield |
4.14% | 3.87% | 3.87% |
Free Cash Flow Yield |
5.01% | 5.95% | 5.95% |
Revenue per Share |
2.71 | 1.73 | 1.16 |
Operating CF per Share |
1.25 | 0.64 | 0.13 |
Capex per Share |
(0.04) | (0.04) | (0.04) |
Free Cash Flow per Share |
1.22 | 0.59 | 0.09 |
Cash per Share |
3.81 | 0.70 | 0.00 |
Shareholders Equity per Share |
3.17 | 0.20 | 0.00 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 |
Book value per Share |
3.17 | 0.20 | 0.00 |
Free Cash Flow |
97.45 | 45.93 | 6.91 |
Working Capital |
241.43 | 10.85 | — |
Capital Expenditures |
(2.84) | (3.33) | (3.25) |
Net Current Asset Value |
232.24 | (6.70) | 0.00 |
EV/EBIT |
15.46 | 19.05 | 19.05 |
Capex to Sales |
0.01 | 0.02 | 0.04 |
Price to Operating Income |
18.34 | 20.69 | 20.69 |
| Other line items | |||
Depreciation/Fixed assets |
0.28 | 0.22 | 0.00 |
Cash ROIC |
17.42% | 65.61% | 0.00% |
Accounts Receivable Turnover |
21.83 | 0.00 | 0.00 |
Accounts Payable Turnover |
33.81 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 |
Average Days of Payables |
12.53 | 9.65 | 0.00 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 |
Average Receivables |
9.94 | — | — |
Average Payables |
2.54 | — | — |
Average Assets |
218.59 | 44.72 | — |
Average Common Equity |
134.83 | — | — |
Columns are period end dates