Exzeo Group, Inc. (XZO) Stock Price

XZOStock

$16.69

Market Cap$1.50B

P/E16.12x

PEG Ratio—

Div yield—

Beta6.75

XZO Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-6.75%

Price vs S&P 500 (4W)0.97%

VGM Score40.68

P/E Ratio (Annual)16.12x

P/CF (Annual)13.30x

Book Value / Share (Quarterly)$2.80

Revenue Growth (3Y)68.16%

Price vs S&P 500 (YTD)-43.10%

Gross Margin (TTM)62.32%

Net Profit Margin (TTM)39.14%

EPS (TTM)$1.18

10-Day Avg Trading Volume0.30M

EPS Excl Extra (TTM)$1.18

EPS (Annual)$1.03

ROI (Annual)32.56%

Gross Margin (Annual)60.38%

Cash / Share (Quarterly)$3.36

P/E Basic Excl Extra (TTM)15.37x

Revenue Growth QoQ (YoY)-46.74%

P/E Normalized (Annual)16.12x

ROA (Last FY)23.80%

EBITD / Share (TTM)$1.37

Operating Margin (TTM)48.51%

Cash Flow / Share (Annual)$1.07

P/B Ratio4.63x

P/B Ratio (Quarterly)5.32x

Net Income / Employee (Annual)$233,800

Net Interest Coverage (TTM)13.67x

ROA (TTM)26.80%

EPS Growth QoQ (YoY)-39.63%

EPS Incl Extra (Annual)$1.03

Current Ratio (Annual)3.86x

Quick Ratio (Quarterly)1.83x

3-Month Avg Trading Volume0.25M

EV / Free Cash Flow (Annual)12.29x

P/E Incl Extra (TTM)15.37x

Revenue / Employee (TTM)$626,600

P/S Ratio (Annual)6.15x

Asset Turnover (Annual)0.62x

52-Week High$24.60

EPS Excl Extra (Annual)$1.03

26-Week Price Return3.15%

Quick Ratio (Annual)3.84x

13-Week Price Return3.66%

Total Debt / Equity (Annual)0.00x

Current Ratio (Quarterly)1.85x

Enterprise Value$1.20B

Asset Turnover (TTM)0.68x

Revenue / Employee (Annual)$612,900

Pretax Margin (Annual)50.83%

Cash / Share (Annual)$3.36

3-Month Return Std Dev44.98%

Net Income / Employee (TTM)$245,200

ROE (Last FY)32.56%

EPS Basic Excl Extra (Annual)$1.03

P/FCF (TTM)16.37x

Receivables Turnover (TTM)33.80x

EV / Free Cash Flow (TTM)14.69x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$1.18

ROI (TTM)38.77%

P/S Ratio (TTM)6.02x

Revenue / Share (Annual)$2.71

P/E Ratio (TTM)15.37x

Year-to-Date Return-31.18%

5-Day Price Return4.12%

EPS Normalized (Annual)$1.03

Net Profit Margin (Annual)38.14%

Month-to-Date Return15.34%

EBITD / Share (Annual)$1.33

Operating Margin (Annual)48.85%

LT Debt / Equity (Annual)0.00x

P/CF (TTM)15.95x

P/E Excl Extra (TTM)15.37x

EPS Basic Excl Extra (TTM)$1.18

P/B Ratio (Annual)8.66x

Pretax Margin (TTM)52.40%

Book Value / Share (Annual)$2.80

Price vs S&P 500 (13W)0.98%

Beta6.75x

P/FCF (Annual)13.69x

Revenue / Share (TTM)$2.51

ROE (TTM)38.77%

52-Week Low$12.36

vGradeC

gGradeF

mGradeB

vgmGradeC

XZO Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 7, 2026	$0.24	$0.26	+8.33%(+$0.02)
Q4 2025	Feb 25, 2026	$0.20	$0.25	+25.00%(+$0.05)
Q3 2025	Dec 10, 2025	$0.25	$0.25	+0.00%(+$0.00)

XZO Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.14

Industry Peers — Software(281)

Symbol	Value Score	Growth Score	Momentum Score	P/S Ratio (TTM)	Revenue Growth TTM (YoY)	Gross Margin (TTM)	Operating Margin (TTM)	Price
XZOExzeo Group, Inc.	C	F	B	6.0x	—	62.3%	48.5%	$16.69
MSFTMicrosoft Corp	D	C	B	11.8x	17.8%	67.9%	46.7%	$529.05
PLTRPalantir Technologies Inc. Class A Common Stock	F	A	B	72.6x	78.9%	84.8%	42.8%	$186.03
ORCLOracle Corp	D	C	C	5.4x	21.6%	64.0%	32.1%	$128.23
SAPSAP SE	D	C	B	6.2x	6.4%	73.6%	26.7%	$224.29
CRWDCrowdStrike Holdings, Inc. Class A Common Stock	F	A	B	43.1x	24.3%	75.2%	-2.2%	$227.39
SHOPShopify Inc. Class A subordinate voting shares	F	B	B	16.4x	32.5%	47.8%	13.9%	$169.52
CRMSalesforce, Inc.	D	B	B	4.5x	11.2%	77.3%	18.8%	$240.70
NOWSERVICENOW, INC.	F	B	B	10.0x	22.2%	74.8%	11.4%	$141.97
SNOWSnowflake Inc.	F	A	B	19.9x	32.0%	67.0%	-23.2%	$306.84
NETCloudflare, Inc. Class A common stock, par value $0.001 per share	F	A	B	42.0x	33.5%	72.6%	-14.1%	$296.30
ADBEAdobe Inc.	C	C	B	3.7x	12.0%	89.3%	35.7%	$245.20
DDOGDatadog, Inc. Class A Common Stock	F	A	B	22.4x	31.5%	79.5%	0.4%	$247.11
CDNSCadence Design Systems	F	B	C	15.1x	14.7%	85.9%	30.3%	$319.51
SNPSSynopsys Inc	D	B	B	9.3x	46.3%	72.4%	18.9%	$454.63
INTUIntuit Inc	C	C	C	4.1x	13.9%	80.2%	27.4%	$325.15
NTESNetEase, inc.	C	C	C	4.6x	6.3%	67.2%	35.2%	$126.06
TEAMAtlassian Corporation Class A Common Stock	F	C	A	8.0x	26.0%	84.8%	0.2%	$207.82
VEEVVeeva Systems Inc.	F	B	A	14.5x	16.5%	75.0%	29.9%	$310.36
ADSKAutodesk Inc	D	C	B	6.4x	17.9%	91.3%	26.2%	$239.90
XYZBlock, Inc.	C	C	B	1.8x	5.1%	46.4%	4.7%	$77.89
TTWOTake-Two Interactive Software Inc	F	D	C	5.7x	15.3%	56.8%	-2.4%	$205.28
TWLOTwilio Inc.	D	A	B	6.7x	17.8%	48.5%	5.2%	$244.37
RBLXRoblox Corporation	D	A	C	6.2x	41.3%	78.9%	-20.7%	$49.55
CRWVCoreWeave, Inc. Class A Common Stock	D	A	D	4.5x	115.3%	67.4%	-3.0%	$61.39
OKTAOkta, Inc. Class A Common Stock	F	B	B	10.7x	11.2%	78.1%	7.5%	$187.26
MDBMongoDB, Inc. Class A	F	B	B	9.8x	25.4%	72.7%	-0.5%	$337.57
RBRKRubrik, Inc.	F	A	A	15.1x	42.5%	80.2%	-18.3%	$112.41
PTCPTC, INC	D	B	B	7.1x	19.5%	84.5%	37.8%	$192.98
SSNCSS&C Technologies Inc	C	C	B	3.0x	8.6%	48.1%	23.6%	$84.07
NTNXNutanix, Inc. Class A Common Stock	D	B	B	6.3x	12.4%	86.9%	9.6%	$66.94
UUnity Software Inc.	F	B	B	8.8x	14.0%	76.3%	-28.0%	$40.40
DTDynatrace, Inc.	F	C	A	8.4x	17.9%	81.4%	12.2%	$61.11
TYLTyler Technologies, Inc.	D	C	B	6.1x	8.2%	47.2%	15.1%	$360.87
GENGen Digital Inc. Common Stock	C	B	B	2.8x	20.2%	78.0%	41.3%	$24.16
CHKPCheck Point Software Technologies Ltd	C	D	C	5.1x	4.6%	86.1%	29.0%	$137.87
DOCUDocuSign, Inc. Common Stock	D	B	A	4.2x	8.6%	79.5%	12.0%	$74.65
GWREGUIDEWIRE SOFTWARE, INC.	F	C	B	9.4x	22.7%	64.2%	10.2%	$168.86
MANHManhattan Associates Inc	F	C	A	11.5x	6.5%	55.8%	24.3%	$222.17
HUBSHUBSPOT, INC.	D	A	C	3.3x	21.1%	83.3%	3.6%	$230.94
FIGFigma, Inc.	F	A	C	8.9x	—	79.1%	-123.8%	$21.49
PAYCPAYCOM SOFTWARE, INC.	D	B	A	5.2x	9.2%	83.7%	32.4%	$251.64
SAILSailPoint, Inc. Common Stock	F	B	B	9.2x	20.1%	66.3%	-18.9%	$18.75
BSYBentley Systems, Incorporated Class B Common Stock	D	C	B	6.7x	12.8%	81.8%	23.6%	$35.37
FROGJFrog Ltd. Ordinary Shares	F	A	B	17.3x	26.4%	77.9%	-11.5%	$84.31
ESTCElastic N.V.	D	B	A	5.3x	16.2%	75.5%	-2.6%	$91.74
YMMFull Truck Alliance Co. Ltd. American Depositary Shares (each representing 20 Class A Ordinary Shares)	C	C	C	6.1x	-48.2%	70.5%	37.4%	$8.75
PCTYPaylocity Holding Corporation Common Stock	D	B	A	5.0x	11.0%	69.2%	21.8%	$166.32
GTLBGitLab Inc. Class A Common Stock	F	A	A	8.3x	23.0%	85.9%	-8.6%	$52.76
PCORProcore Technologies, Inc.	D	B	B	6.1x	15.4%	80.0%	-4.9%	$56.98
ZETAZeta Global Holdings Corp.	D	B	A	4.7x	35.9%	59.5%	1.6%	$31.81

About Exzeo Group, Inc.

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.