Exzeo Group, Inc.: stock overview

XZONYSETechnology · Services-Prepackaged Software

Price

$16.00

November 13, 2026Market cap $1.5B

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  • The full history: 3 fiscal years, from 2023
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

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In short

Exzeo had revenue of $222M over the last 12 months and net income of $88M, a net margin of 39.7%. Revenue grew by 56.7% a year on average over the last 2 years. At $16.00 the shares trade at a P/E of 16.5. It holds more cash than debt, by $116M. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$1.5B
90.91M shares
P/E
16.5
Revenue, 12 months
$222M
+56.7% a year over 2 years
Net margin
39.7%
2025: 38.1%, above 97% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+56.7% a year over 2 years

  • 202510-K
    Revenue$217M
  • 2024
    Revenue$134M
  • 2023
    Revenue$88M

Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 
$1.5B
Enterprise value 
$1.3B
P/E 
16.5
EV / EBIT 
12.6
EV / Revenue 
6.0
P/B 
4.9
FCF yield 
5.7%
Earnings yield 
6.1%

Profitability

Gross margin 
62.5%
Operating margin 
48.0%
Net margin 3-year median: 33.8%
39.7%
ROIC 
33.4%
ROIC, 5-year average 
33.0%
ROE 
36.9%

Growth

Revenue, yearly change 
+62.0%
EPS, yearly change 
+125.0%
FCF, yearly change 
+112.2%
Revenue, average a year 
+56.7%
EPS, average a year 
+156.9%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$116M
Total debt 
$6.3M
Of which operating leases 
$6.3M
Net cash 
$116M
Net debt / EBITDA 
-1.1x
Interest cover 
–
Current ratio 
1.53

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
0.10%
Total returned 
0.10%
Shares, yearly change 
+9.8%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 73).

Gross margin

60.4%

Above 49% of the 293 companies in its industry, and 79% of all.

Operating margin

48.9%

Above 99% of the 462 companies in its industry, and 98% of all.

Net margin

38.1%

Above 97% of the 473 companies in its industry, and 96% of all.

ROE

32.6%

Above 90% of the 398 companies in its industry, and 93% of all.

ROA

23.8%

Above 96% of the 462 companies in its industry, and 98% of all.

Revenue growth

62.0%

Above 96% of the 461 companies in its industry, and 96% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Exzeo Group, Inc.
CIK
1873951
Exchange
NYSE
Industry (SIC)
7372 · Services-Prepackaged Software
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
90.91M

Other companies: Technology

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The full analysis

What do Exzeo's filings show?

These are Exzeo's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about XZO

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What is XZO's market cap?

Exzeo Group, Inc.'s market cap is $1.5B, at a price of $16.00 on November 13, 2026 and 90.91M shares.

What is XZO's P/E?

XZO's P/E is 16.5, on earnings per share of $0.99 over the last 12 months.

How much revenue does XZO have?

Exzeo had revenue of $222M over the last 12 months. Over the last 2 years it changed by +56.7% a year on average.

Does XZO pay a dividend?

No. Exzeo paid no regular dividend over the last 12 months.

Where do the figures come from?

From Exzeo Group, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.