Exzeo Group, Inc. XZO

Financial — Insurance Diversified

Insider Buys (last 12m)

Insider Buys alert about insiders buying in the last 12 month

Overview Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Quarterly (Descending) Quarterly (Ascending) Annual (Descending) Annual (Ascending) TTM (Descending) TTM (Ascending)

Financial statements are limited to most recent four years or quarters for non-powerpack users

Ten years worth of data (where available), most important trends and XLS exports are available for our Powerpack users.

	Jun '26	Mar '26	Dec '25	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Dec '23
P/E ratio	17.21	17.21	17.21	17.21	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
P/S ratio	6.71	5.89	8.96	9.22	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
P/FCF ratio	18.26	12.52	19.95	16.79	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
P/Operating CF	96.56	50.90	172.34	56.45	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
P/B ratio	5.17	4.72	7.65	22.66	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Price to Tangible BV	5.17	4.72	7.65	22.66	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
EV/Sales	6.09	4.84	7.55	8.49	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
EV/EBITDA	12.23	9.66	15.05	18.55	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
EV/Operating CF	16.16	10.05	16.34	15.02	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
EV/FCF	16.58	10.28	16.82	15.46	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Quick Ratio	1.73	2.57	3.79	1.64	—	—	‡‡‡‡‡	—	—
Current Ratio	1.85	2.65	3.86	1.73	—	—	‡‡‡‡‡	—	—
Net Debt/EBITDA	(4.68)	(8.97)	(11.14)	(5.01)	‡‡‡	‡‡‡	‡‡‡	‡‡‡	—
Debt/Assets	0.00%	0.00%	0.00%	0.00%	‡‡‡	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Debt/Equity	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Asset Turnover	1.15	1.16	1.25	2.12	‡‡‡	—	—	—	—
Operating CF/Net income	0.68	1.28	0.47	1.49	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡‡‡	‡‡‡
Capex/Depreciation	(0.28)	(0.45)	(0.68)	(1.32)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Interest Coverage	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡	—	‡‡‡	—
Research and Development Expense of Revenue	4.22%	4.15%	3.30%	4.52%	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Selling, General and Administrative Expense of Revenue	10.02%	9.39%	11.55%	7.07%	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Intangible Assets out of Total Assets	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Share Based Compensation of Revenue	1.31%	1.33%	0.89%	1.33%	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Graham Net Nets	0.05	0.12	0.12	0.03	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Graham Number	8.49	0.00	0.00	0.00	‡‡‡	‡‡‡	—	‡‡‡	—
Earnings Yield	5.81%	5.81%	5.81%	5.81%	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Free Cash Flow Yield	5.48%	7.99%	5.01%	5.95%	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Revenue per Share	0.66	0.63	0.67	0.65	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Operating CF per Share	0.17	0.29	0.14	0.37	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡‡‡	‡‡‡
Capex per Share	0.00	0.00	0.00	(0.01)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡‡‡	‡‡‡
Free Cash Flow per Share	0.17	0.28	0.14	0.36	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡‡‡	‡‡‡
Cash per Share	1.55	2.62	3.81	1.67	‡‡‡	‡‡‡	‡‡‡	‡‡‡	—
Shareholders Equity per Share	3.27	3.11	3.17	0.93	‡‡‡	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Interest Debt per Share	0.00	0.00	0.00	0.00	‡‡‡	‡‡‡	—	‡‡‡	—
Book value per Share	3.27	3.11	3.17	0.93	‡‡‡	‡‡‡	‡‡‡	‡‡‡	‡‡‡
Free Cash Flow	15.21	25.15	10.88	30.30	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Working Capital	77.97	162.35	241.43	68.72	—	—	‡‡‡‡‡	—	—
Capital Expenditures	(0.21)	(0.33)	(0.40)	(1.19)	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡	‡‡‡‡‡
Net Current Asset Value	72.09	156.10	232.24	58.82	‡‡‡	‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡
Average Receivables	13.92	—	—	—	—	—	—	—	—
Average Payables	5.25	—	—	—	—	—	—	—	—
Average Assets	192.89	189.88	173.87	91.13	‡‡‡	—	—	—	—
Average Common Equity	151.84	—	—	—	—	—	—	—	—
EV/EBIT	12.56	9.93	15.46	19.05	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Capex to Sales	0.00	0.01	0.01	0.02	‡‡‡‡‡	‡‡‡‡‡	‡‡‡	‡‡‡‡‡	‡‡‡
Net Profit Margin	39.14%	35.72%	44.82%	38.34%	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—
Price to Operating Income	13.83	12.09	18.34	20.69	‡‡‡‡‡	‡‡‡‡‡	—	‡‡‡‡‡	—

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