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Exzeo Group, Inc. (XZO)
NYSE: XZO · Real-Time Price · USD
15.67
+0.32 (2.08%)
At close: Aug 13, 2026, 4:00 PM EDT
15.66
-0.01 (-0.06%)
After-hours: Aug 13, 2026, 7:34 PM EDT

Exzeo Group Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2020
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '20
Revenue
221.8216.98133.9588.3345.6351.73
Revenue Growth
21.77%61.99%51.64%93.58%-11.79%136.97%
Gross Profit
172131.0253.2117.27-26.1151.73
Operating Income
141.38105.9938.022.55-37.75-16.46
Net Income
21.1582.7535.1712.09-68.42-12.42
Earnings Per Share
0.980.990.440.15--
EPS Growth
42.03%125.00%193.33%---

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2020FY 2019
Period EndingJun '26 Dec '25 Dec '24 Dec '20 Dec '19
Cash & Investments
136.73305.3754.5143.6771.59
Total Debt
6.627.258.3522.630.74
Net Cash (Debt)
130.11298.1346.15121.0470.85
Net Cash Growth
26.41%545.98%-61.87%70.84%-
Net Cash Per Share
1.533.720.60--

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2020
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '20
Operating Cash Flow
72.38100.349.2710.15-13.9930.38
Capital Expenditures
-2.13-2.84-3.33-3.25-3.45-1.49
Free Cash Flow
70.2597.4545.936.91-17.4428.9
Free Cash Flow Growth
6.66%112.17%565.10%---5.69%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2020
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '20
Gross Margin
77.55%60.38%39.72%19.55%-57.22%100.00%
Operating Margin
63.74%48.85%28.38%2.89%-82.74%-31.82%
Pretax Margin
39.39%50.83%26.31%1.00%-84.60%-31.82%
Profit Margin
48.67%38.14%33.83%24.30%-129.99%-24.02%
FCF Margin
31.67%44.91%34.29%7.82%-38.23%55.86%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2020
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '20
PE Ratio
15.9324.49----
Forward PE
14.4726.94----
P/FCF Ratio
17.3122.63----
PS Ratio
6.1310.16----