Brookfield Wealth Solutions Ltd. (BNT) vs Exzeo Group, Inc. (XZO)

Brookfield Wealth Solutions Ltd. and Exzeo Group, Inc. are both Insurance Diversified companies. Brookfield Wealth Solutions Ltd. is the larger, with a market value of $10.9B against $1.4B — 7.7× the size. Exzeo Group, Inc. trades at the lower P/E: 15.5× against 42.8×. Exzeo Group, Inc. has the higher net margin (39.5% vs 0.90%) and the higher return on invested capital (44.4% vs 6.46%). Across the 19 metrics below, Exzeo Group, Inc. leads on 13 and Brookfield Wealth Solutions Ltd. on 6.

Valuation

Metric BNT XZO Insurance Diversified median
P/E 42.79 15.52 11.30
P/S 0.91 6.05 1.47
P/B 0.61 4.66 1.45
Price to free cash flow 3.36 16.46 5.78
EV/EBITDA 2.52 10.90 6.62
EV/Sales 0.68 5.43 1.82
Earnings yield 2.34% 6.44% 7.87%
Free cash flow yield 29.75% 6.08% 17.30%

Profitability

Metric BNT XZO Insurance Diversified median
Gross margin 53.26% 62.32% 53.26%
Operating margin 13.14% 48.51% 18.04%
Net margin 0.90% 39.45% 15.94%
Free cash flow margin 27.20% 36.76% 20.02%
Return on equity 0.64% 57.63% 12.08%
Return on assets 0.06% 45.36% 5.06%
Return on invested capital 6.46% 44.41% 9.01%

Growth

Metric BNT XZO Insurance Diversified median
Revenue growth (TTM) (17.52%) — (1.11%)
EPS growth (last fiscal year) (61.08%) 69.29% —
Revenue growth, 5-year CAGR 86.62% — 8.63%
Net income growth, 5-year CAGR 275.85% — 10.84%

Health

Metric BNT XZO Insurance Diversified median
Debt to equity 0.55 0.00 0.22
Current ratio 0.16 1.85 0.48
Net debt to EBITDA (1.87) (2.80) 0.17

Dividend

Metric BNT XZO Insurance Diversified median
Dividend yield 0.71% — 2.08%
Payout ratio 0.05 — 0.02

Size

Metric BNT XZO Insurance Diversified median
Market cap 10.88b 1.41b 13.12b

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