Touchstone
Last syncNov 1, 2026, 6:55 PM ET

XZO

Exzeo Group, Inc. Information Technology Services-Prepackaged Software Russell 3000
$17.88Close $1.6BMarket cap $12.55 – $24.2552-week range Nov 4, 2026Next report · after the close

Highlights

Cautions

  • Earnings shrinking EPS −4% year on year
  • Results soon Nov 4, 2026, in 3 days

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 7, 2026
Off 12-month high 26%
1wk up 5.7% price change
1mo up 23.6% price change
12-month return down 15% total, dividends included
F-score — — Not assessed
Altman Z″ 9.69 Low risk
P/E 19.6× price / earnings
PEG 0.26 P/E / EPS growth
P/B 6.4× price / book
Earnings yield up 8.0% EBIT / enterprise value
Cheaper than 62% of the market · cheap
Revenue growth up 62% year on year
EPS growth down 4% latest quarter · -5 pts
Sales growth up 3% latest quarter · -3 pts
ROE up 61% return on equity
Free cash margin up 45% $97.5M FCF
D/E 0.00 long-term debt / equity
Net debt / EBITDA -2.8× net cash
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Gross margin 39.7% → 60.4%

Trade setup

ATR% 4.5% $0.80 a day · 2×ATR $16.27
RS — vs the universe
Trend — trend template
Relative volume 0.8× vs 50-day average
Up/down volume 0.67 50 sessions
Implied move — no option chain · report Nov 4, 2026

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged
  • Shareholders diluted The share count rose 9.8% over the year, from 83m to 91m shares. Each existing share owns a smaller fraction of the company than it did a year ago.
Last reported Aug 6, 2026
Results reaction Aug 6, 2026-4% vs market2 sessions after results

Financials

3 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $217.0M +62% on FY2024
$0 $250M FY23 FY24 FY25 FY2023 · $88.3M FY2024 · $133.9M FY2025 · $217.0M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $82.7M +83% on FY2024
$0 $100M FY23 FY24 FY25 FY2023 · $21.5M FY2024 · $45.3M FY2025 · $82.7M
Free cash flow Cash from running the business less what it spent on equipment and buildings: the cash a year actually left behind, which profit alone does not show. Not shown for banks and insurers, whose cash moves with their loans. Methodology $97.5M +112% on FY2024
$0 $100M FY23 FY24 FY25 FY2023 · $6.9M FY2024 · $45.9M FY2025 · $97.5M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Gross 60%
  • Net 38%
  • Free cash 45%
0% 100% FY23 FY24 FY25 FY2023 · Gross 20% · Net 24% · Free cash 8% FY2024 · Gross 40% · Net 34% · Free cash 34% FY2025 · Gross 60% · Net 38% · Free cash 45%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology $305.4M net cash
  • Cash
  • Long-term debt
$0 $500M FY23 FY24 FY25 FY2023 · Cash $15.1M FY2024 · Cash $54.5M · Long-term debt $0 FY2025 · Cash $305.4M · Long-term debt $0
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 90.93m
90.93m 82.81m FY23 FY24 FY25 FY2023 FY2024 · 82.81m FY2025 · 90.93m
  FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $88.3M $133.9M $217.0M
Gross margin 20% 40% 60%
Operating income $2.6M $38.0M $106.0M
Net income $21.5M $45.3M $82.7M
Net margin 24% 34% 38%
Earnings per share $0.28 $0.58 $1.03
Free cash flow $6.9M $45.9M $97.5M
Free cash margin 8% 34% 45%
Cash $15.1M $54.5M $305.4M
Long-term debt — $0 $0
Shareholders' equity -$25.3M $15.5M $254.2M
Shares outstanding — 82.81m 90.93m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 7, 2026 Quarterly ↗ Jun 30, 2026 38d
May 7, 2026 Quarterly ↗ Mar 31, 2026 37d
Feb 26, 2026 Annual ↗ Dec 31, 2025 57d
Dec 11, 2025 Quarterly ↗ Sep 30, 2025 72d

Current reports

FiledDisclosed
Aug 14, 2026 Other events ↗
Aug 6, 2026 Results ↗
Jun 10, 2026 Shareholder vote ↗
May 26, 2026 Other events ↗
May 6, 2026 Results ↗
Feb 25, 2026 Results ↗
Dec 22, 2025 Director or officer change ↗
Dec 22, 2025 Regulation FD ↗
Dec 10, 2025 Results ↗
Nov 7, 2025 Results · Regulation FD ↗
Nov 6, 2025 Material agreement · Charter or bylaws · Regulation FD ↗