Stock AnalizExzeo Group, Inc. XZO
Computer Software: Prepackaged Software · IPO 2025 · data as of November 13, 2026
Exzeo Group, Inc. (XZO) is a technology company listed in the US with a market value of about $1.4B. In the twelve months to September 30, 2026 it had revenue of $222M and net income of $88M, a net margin of 39.7%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is financial health (5/5); the weakest is shareholder returns (1/5).
Key numbers: a P/E of 16.2, a price to free cash flow of 17.3, a 5-year average ROIC of 74%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 13% above the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
Checks not passed
- PEG below 1.5
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
- Pays a dividend
- Share count down over 3 years (buybacks)
Valuation
Growth and quality
Financials, last 3 years
| Fiscal year | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue | $222M | $217M | $134M | $88M |
| Net income | $88M | $83M | $45M | $21M |
| Free cash flow | $83M | $97M | $46M | $7M |
| EPS (diluted) | $0.99 | $0.99 | $0.44 | $0.15 |
| Net margin | 39.7% | 38.1% | 33.8% | 24.3% |
| ROIC | — | 30.4% | 117.9% | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 2 analysts is $25.25, 58% above the current price; targets range from $23.50 to $27.00; the consensus rating is “Strong buy”; expected EPS is $1.00 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Exzeo Group’s P/E ratio?
About 16.2, based on the last twelve months of diluted earnings per share (forward P/E about 14.5).
Is Exzeo Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 13% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Exzeo Group pay a dividend?
Not currently.
Is Exzeo Group a good stock to buy?
We do not give buy or sell advice. Exzeo Group scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.