Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2020 |
|---|---|---|---|---|---|
| Revenue | 217M | 134M | 88M | 46M | 52M |
| Gross Profit | 131M | 53M | 17M | -26M | 2M |
| Operating Income | 106M | 38M | 3M | -38M | -9M |
| EBITDA | 113M | 40M | 5M | -36M | -8M |
| Net Income | 83M | 44M | 21M | -55M | -12M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$13.27
+0.99% today
Window Change
-37.46%
Window
Nov 5, 2025 → Jun 17, 2026
Historical coverage is still expanding
This 1Y daily history view is usable, but not fully loaded yet. Additional bars will appear as backfills continue.
Coverage: 154 bars · Nov 5, 2025 → Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Exzeo Group, Inc. (XZO) is a Financial Services stock with a market cap of $1.47B and listed on NYSE. The stock last traded around $13.27 and down 37.5% across the available one-year price window (Nov 5, 2025 → Jun 17, 2026). Baseline metrics include revenue growth of +62.0%, EPS growth of +135.1%, a dividend yield of 0.0%. What stands out right now is revenue +62.0%, EPS +135.1%, free cash flow -48.3% with operating margin 49.8% and ROIC 15.3%. Valuation already assumes a fairly strong business story at P/E 34.9 and price/sales 13.5. Overall, the current profile looks closer to a quality compounder than a generic broad-market placeholder. Stock Foundry combines XZO price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
XZO
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
XZO Max Drawdown
-48.25%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for XZO and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$51.7M
+13.3% YoY
FY Net Income
-$12.4M
+77.3% YoY
Free Cash Flow
$28.9M
+242.9% YoY
Revenue Growth
+62.0%
EPS Growth
+135.1%
Gross Margin
63.3%
Net Margin
38.8%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2020 |
|---|---|---|---|---|---|
| Revenue | 217M | 134M | 88M | 46M | 52M |
| Gross Profit | 131M | 53M | 17M | -26M | 2M |
| Operating Income | 106M | 38M | 3M | -38M | -9M |
| EBITDA | 113M | 40M | 5M | -36M | -8M |
| Net Income | 83M | 44M | 21M | -55M | -12M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2020 | 2019 |
|---|---|---|---|---|---|
| Cash & Equivalents | 305M | 55M | 15M | 102M | 52M |
| Total Assets | 348M | 90M | 626M | 161M | 96M |
| Total Liabilities | 94M | 74M | 555M | 154M | 79M |
| Shareholder Equity | 254M | 16M | 71M | 7M | 17M |
| Total Debt | 7M | 8M | 66M | 22M | 738K |
| Net Debt | -298M | -46M | 51M | -79M | -51M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
30M
+281.3% YoY
Capital Expenditures
1M
+57.0% YoY
Free Cash Flow
29M
+242.9% YoY
Key ratios
Gross Margin
63.3%
Operating Margin
49.8%
Net Margin
38.8%
ROE
25.3%
Debt / Equity
0.03x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.