Exzeo Group, Inc.
XZO NYSE· Services-Prepackaged Software
Last close · Oct 23, 2026
$16.92
KIRA · Stoqly’s AI analyst, in plain words
- Exzeo Group, Inc. had $217M of revenue in fiscal 2025, up 62.0% on the year before.
- Its operating margin was 48.8%, up 20.5 pts: of every 100 in sales, about 49 is left after running the business.
- Exzeo Group, Inc. made $82.7M of net profit in fiscal 2025. From fiscal 2023 to 2025, diluted EPS grew 156.9% a year.
- Free cash flow was $97.5M in fiscal 2025, 44.9% of revenue.
- Exzeo Group, Inc. returned $1.5M to shareholders in fiscal 2025, 2% of free cash flow. The diluted share count rose 3.5%.
Market cap
$1.5B
P/E
17.1x
Revenue
$217M
Net income
$82.7M
Free cash flow
$97.5M
Operating margin
48.8%
Exzeo Group, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+62.0%
Yes. Sales grew 62.0% last year.
Does it make a profit?
38.1%
Yes. It keeps 38.1% of every sale as profit.
Does profit turn into cash?
44.9%
Yes. 44.9% of sales ends up as free cash.
How healthy are the accounts?
5 / 8
Mixed. It passes 5 of 8 health tests.
How is the share priced?
17.1x
One share costs 17.1 times its yearly profit per share.
What Exzeo Group, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- Exzeo Group, Inc.
- CIK
- 0001873951
Exzeo Group, Inc. · XZO
Results and finances
The last 3 fiscal years. Amounts in USD.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Sales and profit | |||
| Revenue | $88.3M | $134M | $217M |
| Revenue growth | — | 51.6% | 62.0% |
| Gross margin | 19.6% | 39.7% | 60.4% |
| Operating margin | 2.9% | 28.4% | 48.8% |
| Net income | $21.5M | $45.3M | $82.7M |
| Net margin | 24.3% | 33.8% | 38.1% |
| Diluted EPS | $0.15 | $0.44 | $0.99 |
| Cash | |||
| Cash from operations | $10.2M | $49.3M | $100M |
| Capital expenditure | $3.2M | $3.3M | $2.8M |
| Free cash flow | $6.9M | $45.9M | $97.5M |
| FCF margin | 7.8% | 34.3% | 44.9% |
| Share buybacks | $0.4M | $0.5M | $1.5M |
| Share count change | — | 1.8% | 3.5% |
| Debt and strength | |||
| Cash and short-term investments | $15.1M | $54.5M | $305M |
| Shareholders' equity | −$25.3M | $15.5M | $254M |
| Current ratio | — | 1.2x | 3.9x |
| Returns and quality | |||
| Return on equity | — | — | 61.4% |
| Return on tangible equity | — | 226.8% | 32.6% |
| Piotroski F-score | — | — | 5 |
| Altman Z'' | — | 1.8 | 9.7 |
Insiders bought, 12 months
$4.1M
8 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Exzeo Group, Inc. · XZO
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $16.92 a share, the company is worth $1.5B: 17.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001873951). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.