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LIVE · 15:21 UTC
XZONYSE$12.9361

Exzeo Group, Inc.

SoftwareRules + LLM

Exzeo Group, Inc. (XZO) is currently classified as Application Software within Software (Technology). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 379,768,000 USD, total equity 274,941,000, short-term debt 0, long-term debt 0. Net cash position is approximately 231,381,000 USD. Self-calculated market cap is 1,142,818 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 55,534,000, gross profit 32,743,000, operating income 25,075,000, net income 20,406,000. Return on equity ~7.4%. Return on assets ~5.4%. Operating-cash-flow to net-income ratio is 1.25. Risk profile from automated assessment: liquidity risk low, dilution risk medium. Flags: Source documents mention dilution or offering risk.. Comparable peers identified within the same class: Microsoft, Salesforce, ServiceNow.

30-day price · XZO-2.16 (-12.9%)
Low$12.36High$17.67Close$14.60As of24 Jun, 00:00 UTC
Profile
CompanyExzeo Group, Inc.
ExchangeNYSE
TickerXZO
CIK0001873951
SICServices-Prepackaged Software
SectorTechnology
BusinessSoftware & IT Services
Industry groupSoftware & IT Services
IndustrySoftware
AI analysis

Business. Exzeo Group, Inc. is classified under Technology / Software and appears profitable on the latest normalized snapshot.

Classification. Classification confidence is 0.98 based on rule-based classification; matched terms: software, prepackaged software.

Exzeo Group, Inc. (XZO) is currently classified as Application Software within Software (Technology). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 379,768,000 USD, total equity 274,941,000, short-term debt 0, long-term debt 0. Net cash position is approximately 231,381,000 USD. Self-calculated market cap is 1,142,818 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 55,534,000, gross profit 32,743,000, operating income 25,075,000, net income 20,406,000. Return on equity ~7.4%. Return on assets ~5.4%. Operating-cash-flow to net-income ratio is 1.25. Risk profile from automated assessment: liquidity risk low, dilution risk medium. Flags: Source documents mention dilution or offering risk.. Comparable peers identified within the same class: Microsoft, Salesforce, ServiceNow.
Key takeaways
  • Observed GAAP P/E is about 0.06x.
  • Return on equity is about 7.4%.
  • Debt to equity is about 0.0x.
  • Likely peers from the same classification include Microsoft, Salesforce, ServiceNow.
  • The net proceeds from the offering were used for investments, working capital and other general corporate purposes.
Financial snapshot
PeriodQ1 2026
CurrencyUSD
Revenue$55.5M
Gross profit$32.7M
Operating income$25.1M
Net income$20.4M
R&D$2.3M
SG&A
D&A$570.0k
SBC$740.0k
Operating cash flow$25.5M
CapEx
Free cash flow
Total assets$379.8M
Total liabilities$104.8M
Total equity$274.9M
Cash & equivalents$231.4M
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY2025$217.0M$106.0M$82.7M
FY2025$133.9M$38.0M$45.3M
FY2025$88.3M$2.6M$21.5M
FY2025
PeriodGross %Op %Net %FCF %
FY2025
FY2025
FY2025
FY2025
PeriodAssetsEquityCashDebt
FY2025$347.7M$254.2M$305.4M
FY2025$89.4M$15.5M$54.5M
FY2025-$25.3M
FY2025-$43.1M
PeriodOCFCapExFCFSBC
FY2025$2.6M
FY2025$3.4M
FY2025$2.9M
FY2025
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
Q1 2026$55.5M$25.1M$20.4M
Q1 2026
Q3 2025$163.7M$79.2M$60.8M
Q3 2025
PeriodGross %Op %Net %FCF %
Q1 2026
Q1 2026
Q3 2025
Q3 2025
PeriodAssetsEquityCashDebt
Q1 2026$379.8M$274.9M$231.4M
Q1 2026$347.7M$254.2M$305.4M
Q3 2025$182.3M$78.4M$140.9M
Q3 2025$56.6M
PeriodOCFCapExFCFSBC
Q1 2026$25.5M$740.0k
Q1 2026
Q3 2025$2.4M$2.2M
Q3 2025
Valuation
Market price$12.93
Market cap$1.1M
Enterprise value-$230.2M
P/E0.1
Reported non-GAAP P/E
EV/Revenue-4.2
EV/Op income-9.2
EV/OCF-9.0
P/B0.0
P/Tangible book0.0
Tangible book$274.9M
Net cash$231.4M
Current ratio2.6
Debt/Equity0.0
ROA5.4%
ROE7.4%
Cash conversion1.2%
CapEx/Revenue
SBC/Revenue1.3%
Asset intensity0.0
Dilution ratio-99.9%
Risk assessment
Dilution riskMedium
Liquidity riskLow
  • Source documents mention dilution or offering risk.
Industry benchmarks
Activity: Application Software · cohort 1 companies
MetricXZOActivity
Op margin45.2%3.8% medp25 2.7% · p75 4.9%top quartile
Net margin36.7%1.9% medp25 1.5% · p75 2.3%top quartile
Gross margin59.0%3.6% medp25 3.6% · p75 3.6%top quartile
R&D / revenue4.2%9.3% medp25 9.3% · p75 18.0%bottom quartile
CapEx / revenue0.1% medp25 0.1% · p75 0.1%
Debt / equity0.0%-25.9% medp25 -134.0% · p75 82.2%above median
Observations
Competitor context
MSFTMicrosoftUSPeer
Derived from classification anchor Software.
software, prepackaged software
CRMSalesforceUSPeer
Derived from classification anchor Software.
software, prepackaged software
NOWServiceNowUSPeer
Derived from classification anchor Software.
software, prepackaged software
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
SEC filingstype companyfacts · CIK 0001873951 · 248 us-gaap concepts
2026-05-25 04:42 UTC#dc59e7bb
Market quoteclose USD 14.71 · shares 0.00B diluted
no public URL
2026-06-26 02:09 UTC#yahoo-cu
Source: analysis-pipeline (hybrid)Generated: 2026-05-31 21:16 UTCJob: 464746ee