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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Target Price Range
Analyst price targets
Free accountTen 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 |
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| 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.
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% |
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.