Exzeo Group, Inc.

XZO

Exzeo Group, Inc.

XZO

Insider Sentiment (TTM):

Last Purchase:2026-05-27Last Sale:-Shares Purchased (TTM):220,050Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:7,221,491Shares Outstanding:88,385,000Institutional Ownership Pct.:8.17%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30
Related Party	-	20	11	4
Assets
Cash And Cash Equivalents At Carrying Value	137	231	305	141
Accounts Receivable Net Current	2	3	3	-
Prepaid Expense Current	2	1	1	1
Assets Current
Assets Current	170	261	326	163
Capitalized Contract Cost Net Current	5	5	5	5
Income Tax Receivable	-	-	0	0
Other Assets Current	4	1	0	2
Available For Sale Securities Debt Securities Nonc…	197	99	-	-
Property Plant And Equipment Net	10	10	11	11
Operating Lease Right Of Use Asset	6	7	7	7
Assets Noncurrent
Assets Noncurrent	216	119	22	20
Capitalized Contract Cost Net Noncurrent	0	0	1	1
Deferred Income Tax Assets Net	2	3	3	0
Other Assets	-	0	0	0
Assets	386	380	348	182
Liabilities And Stockhold…
Contract With Customer Liability Current	75	74	71	73
Accrued Sales Commission Current	5	5	5	4
Liabilities Current
Accounts Payable And Accrued Liabilities Current	8	6	3	12
Liabilities Current	92	99	84	94
Operating Lease Liability Current	2	2	2	2
Accrued Income Taxes	0	9	2	1
Contract With Customer Liability Noncurrent	1	1	4	4
Operating Lease Liability Noncurrent	4	4	5	5
Liabilities Noncurrent
Liabilities Noncurrent	6	6	9	10
Deferred Income Tax Liabilities Net	-	-	0	0
Other Liabilities	-	1	1	1
Liabilities	98	105	94	104
Stockholders Equity Inclu…
Common Stock Value	0	0	0	0
Additional Paid In Capital	220	229	229	75
Retained Earnings Accumulated Deficit	69	46	25	3
Accumulated Other Comprehensive Income Loss Net Of…	-1	-0	-	-
Stockholders Equity	288	275	254	78
Liabilities And Stockholders Equity	386	380	348	182
Debt Securities Available For Sale Amortized Cost …	198	99	-	-
Debt Securities Available For Sale Allowance For C…	0	0	-	-
Common Stock Par Or Stated Value Per Share	0.001	0.001	0.001	0.001
Common Stock Shares Authorized	350	350	184	184
Common Stock Shares Issued	90	91	91	83
Shares Outstanding	90	91	91	83

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.65%	14.28%	9.83%	-	-	-	-	-	-	-	-	-
2025	-	-	-	-	-	-	14.14%	1.91%	-15.95%	-11.60%	5.17%	-18.51%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30
Liquidity Ratios
Current Ratio	1.85	2.65	3.86	1.73
Quick Ratio	1.83	2.63	3.84	1.72
Working Capital	77.97M	162.35M	241.43M	68.72M
Leverage & Debt
Debt to Equity	0.34	0.38	0.37	1.32
Debt Ratio	0.25	0.28	0.27	0.57
Efficiency & Turnover
Asset Turnover TTM	0.86	-	-	-
Days Sales Outstanding TTM	1.97	-	-	-
Receivables Turnover TTM	185.04	-	-	-
Per Share Metrics
Diluted EPS TTM	1.43	-	-	-
Free Cash Flow Per Share TTM	1.28	-	-	-
Dividend Per Share TTM	0.00	-	-	-
Margin Metrics
Gross Profit Margin TTM	60.73%	-	-	-
Operating Profit Margin TTM	48.30%	-	-	-
Net Profit Margin TTM	38.28%	-	-	-
Valuation Metrics
P/E TTM	11.77	-	-	-
P/B TTM	5.17	4.72	7.65	-
P/S TTM	4.51	-	-	-
Market Cap	1.49B	1.30B	1.94B	-
Enterprise Value	1.35B	1.07B	1.64B	-
Calculated Values
Free Cash Flow TTM	112.83M	-	-	-
Net Debt	-136.73M	-231.38M	-305.37M	-140.92M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-27Purchase

Owner: Patel, Paresh

Title: Chief Executive Officer

Shares: 2,000

Price/Share: $13.67

Value: $27,340.00

Shares Owned: 1,672,013

Relationship: Director,Officer

Ownership: Direct

2026-05-26Purchase

Owner: Patel, Paresh

Title: Chief Executive Officer

Shares: 2,000

Price/Share: $13.26

Value: $26,520.00

Shares Owned: 1,670,013

Relationship: Director,Officer

Ownership: Direct

2026-05-22Purchase

Owner: Patel, Paresh

Title: Chief Executive Officer

Shares: 2,000

Price/Share: $12.92

Value: $25,840.00

Shares Owned: 1,668,013

Relationship: Director,Officer

Ownership: Direct

2026-05-21Purchase

Owner: Patel, Paresh

Title: Chief Executive Officer

Shares: 2,000

Price/Share: $12.82

Value: $25,640.00

Shares Owned: 1,666,013

Relationship: Director,Officer

Ownership: Direct

2026-05-20Purchase

Owner: Patel, Paresh

Title: Chief Executive Officer

Shares: 2,000

Price/Share: $13.33

Value: $26,660.00

Shares Owned: 1,664,013

Relationship: Director,Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-27	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.67	$27,340.00	1,672,013	4
2026-05-26	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.26	$26,520.00	1,670,013	4
2026-05-22	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	12.92	$25,840.00	1,668,013	4
2026-05-21	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	12.82	$25,640.00	1,666,013	4
2026-05-20	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.33	$26,660.00	1,664,013	4
2026-05-19	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.69	$27,380.00	1,662,013	4
2026-05-18	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.93	$27,860.00	1,660,013	4
2026-05-15	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.64	$27,280.00	1,658,013	4
2026-05-14	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.75	$27,500.00	1,656,013	4
2026-05-13	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.55	$27,100.00	1,654,013	4
2026-05-12	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.85	$27,700.00	1,652,013	4
2026-05-11	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.99	$27,980.00	1,650,013	4
2026-05-08	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.52	$27,040.00	1,648,013	4
2026-05-07	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	15.11	$30,220.00	1,646,013	4
2026-05-06	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	17.32	$34,640.00	1,644,013	4
2026-05-05	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	17.09	$34,180.00	1,642,013	4
2026-05-04	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.53	$33,060.00	1,640,013	4
2026-05-01	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.53	$33,060.00	1,638,013	4
2026-04-30	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	15.91	$31,820.00	1,636,013	4
2026-04-29	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.22	$32,440.00	1,634,013	4
2026-04-28	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.68	$33,360.00	1,632,013	4
2026-04-27	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.88	$33,760.00	1,630,013	4
2026-04-24	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.21	$32,420.00	1,628,013	4
2026-04-23	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.62	$33,240.00	1,626,013	4
2026-04-22	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.46	$32,920.00	1,624,013	4
2026-04-21	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	17.28	$34,560.00	1,622,013	4
2026-04-17	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.94	$33,880.00	1,618,013	4
2026-04-16	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.76	$33,520.00	1,616,013	4
2026-04-15	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.43	$32,860.00	1,614,013	4
2026-04-14	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.17	$32,340.00	1,612,013	4
2026-04-13	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	15.13	$30,260.00	1,610,013	4
2026-04-10	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	15.38	$30,760.00	1,608,013	4
2026-04-09	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	15.74	$31,480.00	1,606,013	4
2026-04-08	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	15.05	$30,100.00	1,604,013	4
2026-04-07	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	14.22	$28,440.00	1,602,013	4
2026-04-06	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	14.26	$28,520.00	1,600,013	4
2026-04-02	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.79	$27,580.00	1,598,013	4
2026-04-01	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	14.94	$29,880.00	1,596,013	4
2026-03-31	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	14.44	$28,880.00	1,594,013	4
2026-03-30	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	14.08	$28,160.00	1,592,013	4
2026-03-27	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	13.89	$27,780.00	1,590,013	4
2026-03-26	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	14.52	$29,040.00	1,588,013	4
2026-03-25	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	14.81	$29,620.00	1,586,013	4
2026-03-24	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	14.99	$29,980.00	1,584,013	4
2026-03-23	Macchiarola, James J	Director	-	Direct	Purchase	4,000	15.12	$60,480.00	140,000	4
2026-03-23	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	14.93	$29,860.00	1,582,013	4
2026-03-18	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	16.30	$32,600.00	1,576,013	4
2026-03-09	Lopes, Robert A. Jr.	Director	-	Direct	Purchase	2,500	15.35	$38,375.00	127,335	4
2025-12-18	Mitchell, Kevin Andrew	Director,Officer	President	Direct	Purchase	12,510	19.58	$244,945.80	715,135	4
2025-12-18	Bulku, Suela	Officer	Chief Financial Officer	Direct	Purchase	10,020	19.58	$196,191.60	314,874	4
2025-12-18	Baker, Brook Armstrong	Officer	General Counsel	Direct	Purchase	10,020	19.58	$196,191.60	248,026	4
2025-11-06	Patel, Paresh	Director,Officer	Chief Executive Officer	Direct	Purchase	50,000	21.00	$1,050,000.00	1,572,013	4
2025-11-06	Hurst, Irene	Director	-	Direct	Purchase	2,000	21.00	$42,000.00	109,500	4
2025-11-06	Spencer, Loreen M	Director	-	Direct	Purchase	4,000	21.00	$84,000.00	110,000	4
2025-11-06	Mitchell, Kevin Andrew	Director,Officer	President	Direct	Purchase	1,000	21.00	$21,000.00	702,625	4
2025-11-06	Macchiarola, James J	Director	-	Direct	Purchase	20,000	21.00	$420,000.00	136,000	4
2025-11-06	Bulku, Suela	Officer	Chief Financial Officer	Direct	Purchase	1,000	21.00	$21,000.00	308,750	4
2025-11-06	Baker, Brook Armstrong	Officer	General Counsel	Indirect	Purchase	1,000	21.00	$21,000.00	1,000	4/A
2025-11-06	Lopes, Robert A. Jr.	Director	-	Direct	Purchase	10,000	21.00	$210,000.00	124,835	4
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Institutional Ownership

No data available for chart

2026-03-31

8.17%

Inst. Shares: 7,221,491

Shares Outstanding: 88,385,000

2025-12-31

9.72%

Inst. Shares: 7,791,181

Shares Outstanding: 80,171,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	7,221,491	88,385,000	8.17%
2025-12-31	7,791,181	80,171,000	9.72%
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Exzeo Group, Inc. (XZO) — SEC Financial Statements & Analysis

Exzeo Group, Inc. (XZO) is a services-prepackaged software company, incorporated in FL. Exzeo Group, Inc. trades on NYSE as: XZO. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Exzeo Group, Inc. reported a Gross Profit Margin of 60.73% (TTM), a Debt-to-Equity ratio of 0.34x, a Price-to-Sales (P/S) ratio of 4.51x (TTM), a Price-to-Book (P/B) ratio of 5.17x (TTM), at a market cap of $1.49B. Figures below are sourced from SEC EDGAR, as-filed.

Gross Profit Margin TTM: 60.73%
Debt To Equity: 0.34x
P/S TTM: 4.51x
P/B TTM: 5.17x
Market Cap: $1.49B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Exzeo Group, Inc. in?

Exzeo Group, Inc. (XZO) operates in the Services-Prepackaged Software industry.

What is XZO's market cap?

Exzeo Group, Inc. (XZO) has a market capitalization of $1.49B as of 2026-06-30.

What is XZO's P/E ratio?

Exzeo Group, Inc. (XZO)'s trailing twelve month P/E ratio is 11.77x as of 2026-06-30.

What exchange does XZO trade on?

Exzeo Group, Inc. (XZO) trades on the NYSE.

Where is Exzeo Group, Inc. incorporated?

Exzeo Group, Inc. is incorporated in FL.

Exzeo Group, Inc.

Financial Statements

Custom Table

Interactive Financial Visualizations

Earnings Market Reaction

Performance and Valuation Metrics

Insider Transactions

Institutional Ownership

Exzeo Group, Inc. (XZO) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Services-Prepackaged Software

Wall Street's data.
Main Street's price.

Exzeo Group, Inc. (XZO) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Services-Prepackaged Software

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.