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Exzeo Group, Inc. (XZO)
NYSE:XZO
US Market
XZO
Exzeo Group, Inc.
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Exzeo Group, Inc. (XZO) Ratios

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Exzeo Group, Inc. Ratios

XZO's free cash flow for Q2 2026 was $0.64. For the 2026 fiscal year, XZO's free cash flow was decreased by $ and operating cash flow was $0.54. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 20
Liquidity Ratios
Current Ratio
 1.85 3.86 0.00 0.00 0.00
Quick Ratio
 1.85 3.86 0.00 0.00 0.00
Cash Ratio
 1.49 3.62 0.00 0.00 0.00
Solvency Ratio
 0.92 0.92 0.63 0.04 -0.07
Operating Cash Flow Ratio
 0.91 1.19 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
 0.00 0.00 90.01 34.22 0.00
Net Current Asset Value
$ 72.09M$ 232.24M$ -74.13M$ -554.71M$ -154.21M
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.02 0.09 0.11 0.14
Debt-to-Equity Ratio
 0.02 0.03 0.54 0.93 3.41
Debt-to-Capital Ratio
 0.02 0.03 0.35 0.48 0.77
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.45 0.77
Financial Leverage Ratio
 1.34 1.37 5.78 8.83 24.54
Debt Service Coverage Ratio
 0.00 0.00 14.64 9.67 0.00
Interest Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
 0.00 0.00 <0.01 0.03 0.01
Interest Debt Per Share
 0.07 0.08 0.09 0.73 0.25
Net Debt to EBITDA
 -1.09 -2.63 -1.14 10.70 10.46
Profitability Margins
Gross Profit Margin
61.14%58.81%39.47%19.22%3.99%
EBIT Margin
52.40%50.83%28.38%2.89%-16.81%
EBITDA Margin
53.72%52.18%30.14%5.38%-14.68%
Operating Profit Margin
48.51%48.85%28.38%2.89%-16.81%
Pretax Profit Margin
52.40%50.83%26.31%1.00%-31.84%
Net Profit Margin
39.14%38.14%32.93%23.52%-24.03%
Continuous Operations Profit Margin
39.14%38.14%19.46%14.60%-24.03%
Net Income Per EBT
74.69%75.03%125.17%2352.77%75.48%
EBT Per EBIT
108.01%104.06%92.68%34.57%189.36%
Return on Assets (ROA)
22.50%23.80%49.20%3.32%-7.73%
Return on Equity (ROE)
38.77%32.56%284.41%29.32%-189.65%
Return on Capital Employed (ROCE)
36.59%40.25%42.41%0.41%-5.41%
Return on Invested Capital (ROIC)
27.10%29.92%1319.20%147.20%0.00%
Return on Tangible Assets
22.50%23.80%49.20%3.32%-7.73%
Earnings Yield
6.61%3.75%2.31%1.09%-0.65%
Efficiency Ratios
Receivables Turnover
 10.01 11.47 23.58 9.68 6.52
Payables Turnover
 6.55 11.83 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 13.87 12.37 7.12 5.09 8.12
Asset Turnover
 0.57 0.62 1.49 0.14 0.32
Working Capital Turnover Ratio
 1.85 1.80 0.00 0.00 0.00
Cash Conversion Cycle
 -19.22 0.98 15.48 37.72 55.98
Days of Sales Outstanding
 36.47 31.83 15.48 37.72 55.98
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 55.69 30.86 0.00 0.00 0.00
Operating Cycle
 36.47 31.83 15.48 37.72 55.98
Cash Flow Ratios
Operating Cash Flow Per Share
 0.92 1.10 2.11 0.65 0.33
Free Cash Flow Per Share
 0.90 1.07 2.08 0.62 0.32
CapEx Per Share
 0.02 0.03 0.04 0.04 0.02
Free Cash Flow to Operating Cash Flow
 0.97 0.97 0.98 0.95 0.95
Dividend Paid and CapEx Coverage Ratio
 39.31 35.27 30.67 5.93 20.45
Capital Expenditure Coverage Ratio
 39.31 35.27 57.56 18.28 20.45
Operating Cash Flow Coverage Ratio
 12.63 13.84 22.98 0.90 1.36
Operating Cash Flow to Sales Ratio
 0.38 0.46 1.43 0.67 0.59
Free Cash Flow Yield
6.21%4.42%9.89%2.94%1.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.55 27.87 56.78 91.80 -153.51
Price-to-Sales (P/S) Ratio
 5.93 10.16 14.24 21.59 36.89
Price-to-Book (P/B) Ratio
 4.56 8.67 122.99 26.91 291.13
Price-to-Free Cash Flow (P/FCF) Ratio
 16.13 22.62 10.11 33.98 66.00
Price-to-Operating Cash Flow Ratio
 15.72 21.98 9.94 32.12 62.77
Price-to-Earnings Growth (PEG) Ratio
 0.10 0.21 0.31 -0.77 -1.83
Price-to-Fair Value
 4.56 8.67 122.99 26.91 291.13
Enterprise Value Multiple
 9.95 16.84 46.09 411.71 -240.82
Enterprise Value
 1.18B 1.91B 1.86B 1.96B 1.83B
EV to EBITDA
 9.93 16.84 46.09 411.71 -240.82
EV to Sales
 5.33 8.79 13.89 22.17 35.35
EV to Free Cash Flow
 14.51 19.56 9.87 34.89 63.25
EV to Operating Cash Flow
 14.14 19.01 9.70 32.98 60.16
Tangible Book Value Per Share
 3.17 2.80 0.17 0.78 0.07
Shareholders’ Equity Per Share
 3.17 2.80 0.17 0.78 0.07
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.26 -13.61 0.25
Revenue Per Share
 2.44 2.39 1.48 0.97 0.57
Net Income Per Share
 0.95 0.91 0.49 0.23 -0.14
Tax Burden
 0.75 0.75 1.25 23.53 0.75
Interest Burden
 1.00 1.00 0.93 0.35 1.89
Research & Development to Revenue
 0.02 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.05 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 0.01 0.01 0.00 0.00 0.00
Income Quality
 0.97 1.21 7.52 4.67 -2.45
Currency in USD