Exzeo Group, Inc.
XZO
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Exzeo Group, Inc. operates in the diversified insurance sector, which is poised for growth due to increasing demand for comprehensive financial services.
- Revenue increased by 4% compared to the prior quarter, reaching $58 million.
- Gross margin improved to 63.7%, up from 59% in the previous quarter.
- The company's current financial score indicates a 'Strong Sell' signal, reflecting significant bearish trends.
- Earnings growth has declined by 1.4% year-over-year, indicating potential challenges ahead.
- The debt-to-equity ratio stands at 2.298, suggesting high leverage and financial risk.
Fundamentals
| Market cap | $1.43B | Enterprise value | $1.30B | Trailing P/E | 16.55 | Forward P/E | 13.82 |
| PEG | — | Price / book | 5.25 | Beta | — | Dividend yield | 0.00% |
| Revenue growth | 6.9% | Earnings growth | -1.4% | Gross margin | 100.0% | Operating margin | 51.7% |
| Profit margin | 37.7% | ROE | 50.4% | ROA | 26.6% | Debt / equity | 0.02 |
| Current ratio | 1.85 | Free cash flow | $68.55M | Analyst recommendation | none | Mean target | $26.00 |
| 52w high | $24.60 | 52w low | $12.36 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $57.8M | $55.5M | $53.3M | $55.2M | $56.1M |
| Op margin | 49.3% | 45.2% | 50.3% | 49.4% | 50.1% |
| Net income | $23.3M | $20.4M | $22.0M | $21.2M | $21.7M |
| Gross margin | 63.7% | 59.0% | 65.4% | 61.2% | 59.8% |
| Gross profit | $36.8M | $32.7M | $34.9M | $33.8M | $33.6M |
| Operating income | $28.5M | $25.1M | $26.8M | $27.3M | $28.1M |
- Revenue +4% vs prior quarter ($58M vs $56M).
- Gross margin 63.7% (was 59% prior quarter).
- Operating margin expanded to 49.3%.
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Revenue | $217M | — | — | — |
| Op margin | 48.8% | — | — | — |
| Net income | $82.7M | — | — | — |
| Gross margin | 60.4% | — | — | — |
| Gross profit | $131M | — | — | — |
| Operating income | $106M | — | — | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-09-01 · 3 Undervalued Stocks With ROE Over 21%
2026-08-14 · Exzeo Authorizes $25 Million Stock Repurchase Program
2026-08-09 · Exzeo Group Q2 Earnings Call Highlights
2026-08-07 · Exzeo Group Inc (XZO) (Q2 2026) Earnings Call Highlights: Record EBITDA and Geico Partnership ...
2026-08-06 · Exzeo: Q2 Earnings Snapshot
2026-08-06 · Exzeo Announces Second Quarter 2026 Financial Results
2026-08-06 · Exzeo Group Launches Exzeo Ventures to Build the Next Generation of AI-Native Businesses
2026-08-05 · Earnings To Watch: Exzeo Group Inc (XZO) Reports Q2 2026 Result
2026-07-14 · Exzeo Group Sets Second Quarter 2026 Earnings Call for Thursday, August 6, 2026, at 5:45 p.m. ET
Price (daily)
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