Exzeo Group, Inc. (XZO)

Price$13.22

Value ScoreC

Growth ScoreB

Momentum ScoreD

Favorite Metrics

Price vs S&P 500 (26W)-37.79%

Price vs S&P 500 (4W)-1.99%

VGM Score54.30

Market Capitalization$1.19B

P/E Ratio (Annual)14.38x

All Metrics

P/CF (Annual)11.87x

Book Value / Share (Quarterly)$2.80

Revenue Growth (3Y)68.16%

Price vs S&P 500 (YTD)-53.64%

Gross Margin (TTM)60.09%

Net Profit Margin (TTM)37.85%

EPS (TTM)$1.35

10-Day Avg Trading Volume0.27M

EPS Excl Extra (TTM)$1.35

EPS (Annual)$1.03

ROI (Annual)32.56%

Gross Margin (Annual)60.38%

Cash / Share (Quarterly)$3.36

P/E Basic Excl Extra (TTM)11.54x

Revenue Growth QoQ (YoY)19.72%

P/E Normalized (Annual)14.38x

ROA (Last FY)23.80%

EBITD / Share (TTM)$1.65

Operating Margin (TTM)48.09%

Cash Flow / Share (Annual)$1.07

P/B Ratio4.33x

P/B Ratio (Quarterly)4.85x

Net Income / Employee (Annual)$233,800

Net Interest Coverage (TTM)13.67x

ROA (TTM)38.54%

EPS Growth QoQ (YoY)250.78%

EPS Incl Extra (Annual)$1.03

Current Ratio (Annual)3.86x

Quick Ratio (Quarterly)2.63x

3-Month Avg Trading Volume0.22M

EV / Free Cash Flow (Annual)9.84x

P/E Incl Extra (TTM)11.54x

Revenue / Employee (TTM)$769,800

P/S Ratio (Annual)5.48x

Asset Turnover (Annual)0.62x

52-Week High$24.60

EPS Excl Extra (Annual)$1.03

26-Week Price Return-29.87%

Quick Ratio (Annual)3.84x

13-Week Price Return-17.38%

Total Debt / Equity (Annual)0.00x

Current Ratio (Quarterly)2.65x

Enterprise Value$958.74M

Asset Turnover (TTM)1.02x

Revenue / Employee (Annual)$612,900

Pretax Margin (Annual)50.83%

Cash / Share (Annual)$3.36

3-Month Return Std Dev67.72%

Net Income / Employee (TTM)$291,400

ROE (Last FY)32.56%

EPS Basic Excl Extra (Annual)$1.03

P/FCF (TTM)9.71x

EV / Free Cash Flow (TTM)7.82x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$1.35

ROI (TTM)62.13%

P/S Ratio (TTM)4.37x

Revenue / Share (Annual)$2.71

P/E Ratio (TTM)11.54x

Year-to-Date Return-45.48%

5-Day Price Return-9.45%

EPS Normalized (Annual)$1.03

Net Profit Margin (Annual)38.14%

Month-to-Date Return-4.55%

EBITD / Share (Annual)$1.33

Operating Margin (Annual)48.85%

LT Debt / Equity (Annual)0.00x

P/CF (TTM)9.46x

P/E Excl Extra (TTM)11.54x

EPS Basic Excl Extra (TTM)$1.35

P/B Ratio (Annual)8.66x

Pretax Margin (TTM)50.60%

Book Value / Share (Annual)$2.80

Price vs S&P 500 (13W)-25.63%

Beta6.75x

P/FCF (Annual)12.21x

Revenue / Share (TTM)$3.08

ROE (TTM)62.13%

52-Week Low$12.36

vGradeC

gGradeB

mGradeD

vgmGradeC

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Earnings Surprise History

Q1 260.22est. 0.21

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.14

Industry Peers — Software(268)

Symbol	Value Score	Growth Score	Momentum Score	Price
XZOExzeo Group, Inc.	C	B	D	$13.22
MSFTMicrosoft Corp	D	B	C	$416.67
ORCLOracle Corp	F	C	B	$213.68
PLTRPalantir Technologies Inc. Class A Common Stock	F	A	C	$135.53
SAPSAP SE	D	C	C	$184.77
CRWDCrowdStrike Holdings, Inc. Class A Common Stock	F	A	B	$671.02
CRMSalesforce, Inc.	C	B	C	$185.66
SHOPShopify Inc. Class A subordinate voting shares	F	B	C	$109.54
NOWSERVICENOW, INC.	F	B	D	$112.45
CDNSCadence Design Systems	F	C	B	$376.19
ADBEAdobe Inc.	C	C	D	$251.44

About

Exzeo Group Inc is an Insurance-as-a-Service (IaaS) provider offering purpose-built software and data analytics solutions for property and casualty (P&C) insurance carriers and agents. The Exzeo Platform comprises nine configurable applications designed to automate operational and administrative functions across the P&C insurance ecosystem. The company enables insurers and agents to streamline workflows and improve operational efficiency through its integrated technology platform.