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Exzeo Group, Inc. (XZO)
NYSE: XZO · Real-Time Price · USD
18.27
+0.39 (2.18%)
At close: Nov 2, 2026, 4:00 PM EST
18.16
-0.11 (-0.60%)
Pre-market: Nov 3, 2026, 4:15 AM EST

Exzeo Group Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2020
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '20
Revenue
230.42221.28134.588.3945.6651.73
Revenue Growth
25.43%64.53%52.17%93.57%-11.73%136.97%
Operating Income
116.22110.2938.572.61-37.72-16.46
Net Income
83.757934.6211.89-63.8-12.42
Earnings Per Share
0.980.990.450.16-0.84-0.17
EPS Growth
117.46%120.55%185.93%---

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2020
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '20
Cash & Investments
136.73305.3754.515.06-99.73
Total Debt
6.627.258.3565.93-22.35
Net Cash (Debt)
130.11298.1346.15-50.87-77.37
Net Cash Growth
26.41%545.98%---52.39%
Net Cash Per Share
1.533.720.60-0.67-1.03

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2020
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '20
Operating Cash Flow
83.66100.3191.9159.37-16.7630.38
Capital Expenditures
-2.13-2.84-3.33-3.25-3.45-1.49
Free Cash Flow
81.5397.45188.5856.12-20.2228.9
Free Cash Flow Growth
-61.88%-48.32%236.01%---5.69%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2020
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '20
Operating Margin
50.44%49.84%28.67%2.95%-82.62%-31.82%
Pretax Margin
50.44%49.84%26.20%1.00%-84.55%-31.82%
Profit Margin
36.35%35.70%25.74%13.45%-139.72%-24.02%
FCF Margin
35.38%44.04%140.21%63.50%-44.28%55.86%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2020
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '20
PE Ratio
18.5727.86----
Forward PE
16.8126.94----
P/FCF Ratio
20.1922.59----
PS Ratio
7.149.95----