Exzeo Group, Inc. (XZO)

Price$17.33

Favorite Metrics

Price vs S&P 500 (4W)9.47%

Market Capitalization$1.53B

P/E Ratio (Annual)18.50x

All Metrics

P/CF (Annual)15.26x

Book Value / Share (Quarterly)$2.80

Revenue Growth (3Y)68.16%

Price vs S&P 500 (YTD)-31.97%

Gross Margin (TTM)60.38%

Net Profit Margin (TTM)38.14%

EPS (TTM)$1.12

10-Day Avg Trading Volume0.16M

EPS Excl Extra (TTM)$1.12

EPS (Annual)$1.03

ROI (Annual)32.56%

Gross Margin (Annual)60.38%

Cash / Share (Quarterly)$3.36

P/E Basic Excl Extra (TTM)18.50x

Revenue Growth QoQ (YoY)19.72%

P/E Normalized (Annual)18.50x

ROA (Last FY)23.80%

EBITD / Share (TTM)$1.39

Operating Margin (TTM)48.85%

Cash Flow / Share (Annual)$1.07

P/B Ratio6.02x

P/B Ratio (Quarterly)8.66x

Net Income / Employee (Annual)$0

Net Interest Coverage (TTM)13.67x

EPS Growth QoQ (YoY)250.78%

EPS Incl Extra (Annual)$1.03

Current Ratio (Annual)3.86x

Quick Ratio (Quarterly)3.84x

3-Month Avg Trading Volume0.19M

EV / Free Cash Flow (Annual)12.57x

P/E Incl Extra (TTM)18.50x

Revenue / Employee (TTM)$1

P/S Ratio (Annual)7.05x

Asset Turnover (Annual)0.62x

52-Week High$24.60

EPS Excl Extra (Annual)$1.03

Quick Ratio (Annual)3.84x

13-Week Price Return-19.17%

Total Debt / Equity (Annual)0.00x

Current Ratio (Quarterly)3.86x

Enterprise Value$1,225.205

Revenue / Employee (Annual)$1

Pretax Margin (Annual)50.83%

Cash / Share (Annual)$3.36

3-Month Return Std Dev56.50%

Net Income / Employee (TTM)$0

ROE (Last FY)32.56%

EPS Basic Excl Extra (Annual)$1.03

P/FCF (TTM)15.71x

EV / Free Cash Flow (TTM)12.57x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$1.12

P/S Ratio (TTM)7.05x

Revenue / Share (Annual)$2.71

P/E Ratio (TTM)18.50x

Year-to-Date Return-27.84%

5-Day Price Return13.64%

EPS Normalized (Annual)$1.03

Net Profit Margin (Annual)38.14%

Month-to-Date Return19.29%

EBITD / Share (Annual)$1.36

Operating Margin (Annual)48.85%

LT Debt / Equity (Annual)0.00x

P/CF (TTM)15.26x

P/E Excl Extra (TTM)18.50x

EPS Basic Excl Extra (TTM)$1.12

P/B Ratio (Annual)8.66x

Pretax Margin (TTM)50.83%

Book Value / Share (Annual)$2.80

Price vs S&P 500 (13W)-22.03%

Beta6.75x

P/FCF (Annual)15.71x

Revenue / Share (TTM)$4.47

52-Week Low$12.91

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.14

Industry Peers — Software(207)

Symbol	P/S Ratio (TTM)	Revenue Growth TTM (YoY)	Gross Margin (TTM)	Operating Margin (TTM)	Price
XZOExzeo Group, Inc.	7.05x	—	60.38%	48.85%	$17.33
MSFTMicrosoft Corp	10.14x	16.67%	68.59%	46.62%	$418.07
ORCLOracle Corp	7.84x	14.87%	67.08%	30.56%	$177.58
PLTRPalantir Technologies Inc. Class A Common Stock	78.23x	56.18%	82.37%	31.59%	$145.89
SAPSAP SE	4.96x	7.67%	73.62%	26.71%	$178.94
SHOPShopify Inc. Class A subordinate voting shares	15.25x	30.14%	48.07%	12.70%	$135.14
CRMSalesforce, Inc.	4.12x	9.58%	77.68%	19.34%	$186.27
INTUIntuit Inc	5.44x	17.21%	80.05%	27.08%	$404.83
CRWDCrowdStrike Holdings, Inc. Class A Common Stock	22.34x	21.71%	74.81%	-6.10%	$433.15
NOWSERVICENOW, INC.	7.75x	20.88%	77.56%	13.74%	$99.72
ADBEAdobe Inc.	4.04x	10.96%	89.40%	36.65%	$248.63

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.