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%
Market cap
$1.5B
P/E
17.0×
Fwd P/E
13.1×
Dividend yield
—
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total buys 4.12
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 8 3 — — 10 20 18 — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 86.80%

Capital & Financial Ratios $m

Market Cap 1,500.00
Revenue 221.80
Net Income 86.81
Free Cash Flow 81.53
Net Debt (136.73)
Current Ratio 1.85
Debt/Equity 0.00
P/E ratio 16.99
Fwd P/E 13.10
P/S ratio 6.62
P/B ratio 5.10
Past 5Y EPS Growth —
This Y EPS Growth 0.34%
Next Y EPS Growth 16.44% (at or above 15%: strong)
Next Y revenue growth 4.02%
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash — 55 305 137
Receivables — 6 14 22
Inventory — — — —
Other — 6 5 9
— 67 326 170
2023 2024 2025 Q'26
Payables — 2 3 8
ST’ Debt — — — —
Other — 47 71 75
— 56 84 92

Compound Annual Growth %

10y 5y 3y
Sales — — —
Cash Flow — — —
Earnings — — —
Book Value — — —

Revenue $m

Mar Jun Sep Dec Year
’26 56 58 — — —
’25 52 56 55 53 217
’24 — — 29 — 134
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 25 15 — — —
’25 20 38 31 11 100
’24 — — 29 20 49
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 25 15 — — —
’25 19 37 30 11 97
’24 — — 27 19 46
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.22 0.26 — — —
’25 0.23 0.28 0.25 0.25 0.99
’24 — — 0.06 — 0.58
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — — — — — — — 12.92

Analyst estimates 2026–2028

Powerpack
High — — — — — — — — — 24.60
People
People Employees — — — — — — — — 353 354
Revenue/emp, $m — — — — — — — 0.00 0.38 0.61
Income, $m
Income, $m Revenue — — — — — — — 88 134 217
Gross margin, % — — — — — — — 19.55 39.72 60.38
EBT — — — — — — — 1 35 110
EBT margin, % — — — — — — — 1.00 26.31 50.83
Net income — — — — — — — 21 45 83
Depreciation — — — — — — — 2 2 3
Per share, $
Per share, $ Revenue — — — — — — — 1.16 1.73 2.71
Earnings — — — — — — — 0.28 0.58 0.99
Cash flow — — — — — — — 0.13 0.64 1.25
Capex — — — — — — — (0.04) (0.04) (0.04)
Free cash flow — — — — — — — 0.09 0.59 1.22
Book value — — — — — — — 0.00 0.20 3.17
Shares, m — — — — — — — 76 77 80
Valuation, ×
Valuation, × P/E — — — — — — — 25.84 25.84 24.17
P/S — — — — — — — 9.22 9.22 8.96
P/B — — — — — — — 22.66 22.66 7.65
EV/Sales — — — — — — — 8.49 8.49 7.55
EV/FCF — — — — — — — 15.46 15.46 16.82
Cash, $m
Cash, $m Operating cash flow — — — — — — — 10 49 100
Capex — — — — — — — (3) (3) (3)
Free cash flow — — — — — — — 7 46 97
Balance, $m
Balance, $m Working capital — — — — — — — — 11 241
Total debt — — — — — — — — — —
Net debt — — — — — — — — (55) (305)
Shareholders’ equity — — — — — — — — 16 254
Returns, %
Returns, % ROA — — — — — — — 0.00 78.65 37.86
ROIC — — — — — — — 0.00 0.00 0.00
ROE — — — — — — — 0.00 0.00 61.37
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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. $41.4B 14.7× 11.0× −0.08% (below 0%: shrinking) −10.50% (below 0%: shrinking) +23.36% (above 0%: growing) 32.04% 19.25% Compare
HIG The Hartford Insurance Group, Inc. $36.0B 8.7× 10.0× +8.14% (above 0%: growing) +35.53% (above 0%: growing) +4.24% (above 0%: growing) 43.81% 17.64% Compare
ACGL Arch Capital Group Ltd. $33.9B 7.8× 9.1× −10.45% (below 0%: shrinking) −7.58% (below 0%: shrinking) +17.63% (above 0%: growing) 37.57% 25.90% Compare
AEG Aegon NV $12.2B — (loss-making) 8.9× −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. $10.9B 42.5× — +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 $2.1B 6.1× 5.8× +10.30% (above 0%: growing) +194.44% (above 0%: growing) +92.57% (above 0%: growing) 15.54% 10.68% Compare
XZO Exzeo Group, Inc. $1.5B 17.0× 13.1× +3.02% (above 0%: growing) −5.49% (below 0%: shrinking) −59.20% (below 0%: shrinking) 63.75% 49.26%
IGIC International General Insurance Holdings Ltd. $1.0B 9.9× 8.3× +8.70% (above 0%: growing) −36.36% (below 0%: shrinking) −54.63% (below 0%: shrinking) 23.60% 4.88% Compare
WDH Waterdrop Inc. Unsponsored ADR $283.5M 4.8× 6.5× +82.47% (above 0%: growing) 0.00% +117.24% (above 0%: growing) 62.90% 7.68% Compare
Median of peers $11.6B 8.7× 8.9× +8.42% −9.04% +26.89% 29.52% 10.63%

All 11 Insurance Diversified stocks →

Exzeo Group, Inc. (XZO) key facts

  • Strength: Exzeo Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $217.0 million, up 62.0% from fiscal 2024.
  • Exzeo Group, Inc. (XZO) is an Insurance Diversified company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, XZO traded at $16.65, a market capitalization of $1.5 billion.
  • Return on equity was 61.4% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

Exzeo Group, Inc. (XZO) Latest News

9 Aug

8 Jul

7 May

Impact 4 · transcript

24 Apr

1 Mar

16 Jan

stockrow.com/XZO · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com