# Exzeo Group Inc. (XZO) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $16.55, market value $1.5 billion.

## Valuation
- **P/E (trailing): 16.1×** (5-yr avg 24.5×, 3-yr avg 24.5×). Exzeo Group Inc. trades at 16.1× trailing earnings, well below its own five-year average of 24.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 14.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.12**. A PEG of 0.12 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 6.7×**. Each dollar of revenue is priced at 6.7×.
- **Price / book: 5.5×**. The shares trade at 5.5× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 6.5%** (5-yr avg 5.0%). Free cash flow equals 6.5% of the market value, above its five-year average of 5.0%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 6.2%**. The inverse of the P/E: 6.2% of the price is earned each year.

## Profitability
- **Gross margin: 62.3%**. Exzeo Group Inc. keeps 62.3% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 48.5%**. 48.5% of revenue is left after running the business, an exceptional level.
- **Net margin: 38.1%**. 38.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 32.6%**. 32.6% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 25.0%**. Each dollar of assets produces 25.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 62.0%**. Revenue grew 62.0% over the last year.
- **EPS growth (1 yr): 125.0%**. Earnings per share rose 125.0%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Exzeo Group Inc. does not currently pay a dividend.

## Price and momentum
- **From 52-week high: -32.7%** (33.9% above the low). Trading 33% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 1.62** (volatility 64%). Beta of 1.62 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=XZO · Page: https://foliofundamentals.com/stocks/xzo

Not investment advice.