EXZEO GROUP INC (XZO) Fundamental Analysis & Valuation

NYSE:XZO • US30234F1012

15.6 USD
+0.09 (+0.58%)
At close: Mar 4, 2026
15.6 USD
0 (0%)
After Hours: 3/4/2026, 7:02:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This XZO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to XZO. XZO was compared to 149 industry peers in the Insurance industry. While XZO has a great health rating, its profitability is only average at the moment. XZO is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. XZO Profitability Analysis

1.1 Basic Checks

  • XZO had positive earnings in the past year.
XZO Yearly Net Income VS EBIT VS OCF VS FCFXZO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 50M -50M 100M 150M

1.2 Ratios

  • With an excellent Return On Assets value of 19.30%, XZO belongs to the best of the industry, outperforming 99.33% of the companies in the same industry.
  • XZO has a better Return On Equity (44.84%) than 99.33% of its industry peers.
  • XZO has a better Return On Invested Capital (31.84%) than 99.33% of its industry peers.
Industry RankSector Rank
ROA 19.3%
ROE 44.84%
ROIC 31.84%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
XZO Yearly ROA, ROE, ROICXZO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 50 100 150 200

1.3 Margins

  • XZO has a Profit Margin of 26.26%. This is amongst the best in the industry. XZO outperforms 96.64% of its industry peers.
  • XZO has a Operating Margin of 28.38%. This is amongst the best in the industry. XZO outperforms 89.26% of its industry peers.
  • Looking at the Gross Margin, with a value of 39.72%, XZO belongs to the top of the industry, outperforming 92.62% of the companies in the same industry.
Industry RankSector Rank
OM 28.38%
PM (TTM) 26.26%
GM 39.72%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
XZO Yearly Profit, Operating, Gross MarginsXZO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. XZO Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), XZO is creating value.
  • XZO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
XZO Yearly Shares OutstandingXZO Yearly Shares OutstandingYearly Shares Outstanding 2024 20 40 60 80
XZO Yearly Total Debt VS Total AssetsXZO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 200M 400M 600M

2.2 Solvency

  • XZO has an Altman-Z score of 10.05. This indicates that XZO is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 10.05, XZO belongs to the top of the industry, outperforming 98.66% of the companies in the same industry.
  • There is no outstanding debt for XZO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 10.05
ROIC/WACC3.66
WACC8.7%
XZO Yearly LT Debt VS Equity VS FCFXZO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

  • XZO has a Current Ratio of 1.73. This is a normal value and indicates that XZO is financially healthy and should not expect problems in meeting its short term obligations.
  • XZO has a Current ratio of 1.73. This is amongst the best in the industry. XZO outperforms 89.26% of its industry peers.
  • XZO has a Quick Ratio of 1.73. This is a normal value and indicates that XZO is financially healthy and should not expect problems in meeting its short term obligations.
  • XZO has a better Quick ratio (1.73) than 89.26% of its industry peers.
Industry RankSector Rank
Current Ratio 1.73
Quick Ratio 1.73
XZO Yearly Current Assets VS Current LiabilitesXZO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. XZO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 192.31% over the past year.
  • The Revenue has grown by 51.64% in the past year. This is a very strong growth!
EPS 1Y (TTM)192.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)51.64%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • The Earnings Per Share is expected to grow by 46.40% on average over the next years. This is a very strong growth
  • XZO is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.66% yearly.
EPS Next Y136.82%
EPS Next 2Y61.86%
EPS Next 3Y46.4%
EPS Next 5YN/A
Revenue Next Year57.48%
Revenue Next 2Y34.02%
Revenue Next 3Y27.66%
Revenue Next 5YN/A

3.3 Evolution

XZO Yearly Revenue VS EstimatesXZO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
XZO Yearly EPS VS EstimatesXZO Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

3

4. XZO Valuation Analysis

4.1 Price/Earnings Ratio

  • XZO is valuated quite expensively with a Price/Earnings ratio of 41.05.
  • Based on the Price/Earnings ratio, XZO is valued a bit more expensive than the industry average as 79.87% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of XZO to the average of the S&P500 Index (27.03), we can say XZO is valued expensively.
  • A Price/Forward Earnings ratio of 15.67 indicates a correct valuation of XZO.
  • XZO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. XZO is more expensive than 63.09% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.11, XZO is valued a bit cheaper.
Industry RankSector Rank
PE 41.05
Fwd PE 15.67
XZO Price Earnings VS Forward Price EarningsXZO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • XZO's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. XZO is more expensive than 63.76% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 31.43
XZO Per share dataXZO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • XZO's earnings are expected to grow with 46.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y61.86%
EPS Next 3Y46.4%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. XZO Dividend Analysis

5.1 Amount

  • No dividends for XZO!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

XZO Fundamentals: All Metrics, Ratios and Statistics

EXZEO GROUP INC

NYSE:XZO (3/4/2026, 7:02:03 PM)

After market: 15.6 0 (0%)

15.6

+0.09 (+0.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)N/A
Inst Owners0.3%
Inst Owner ChangeN/A
Ins Owners4.5%
Ins Owner Change0.14%
Market Cap1.42B
Revenue(TTM)133.95M
Net Income(TTM)35.17M
Analysts82.86
Price Target26.52 (70%)
Short Float %1.43%
Short Ratio1.02
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 41.05
Fwd PE 15.67
P/S 10.59
P/FCF N/A
P/OCF N/A
P/B 18.08
P/tB 18.08
EV/EBITDA 31.43
EPS(TTM)0.38
EY2.44%
EPS(NY)1
Fwd EY6.38%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.47
BVpS0.86
TBVpS0.86
PEG (NY)0.3
PEG (5Y)N/A
Graham Number2.72
Profitability
Industry RankSector Rank
ROA 19.3%
ROE 44.84%
ROCE 43.04%
ROIC 31.84%
ROICexc N/A
ROICexgc N/A
OM 28.38%
PM (TTM) 26.26%
GM 39.72%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.73
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.73
Quick Ratio 1.73
Altman-Z 10.05
F-ScoreN/A
WACC8.7%
ROIC/WACC3.66
Cap/Depr(3y)519.76%
Cap/Depr(5y)N/A
Cap/Sales(3y)17.72%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)192.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y136.82%
EPS Next 2Y61.86%
EPS Next 3Y46.4%
EPS Next 5YN/A
Revenue 1Y (TTM)51.64%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year57.48%
Revenue Next 2Y34.02%
Revenue Next 3Y27.66%
Revenue Next 5YN/A
EBIT growth 1Y1388.53%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year169.85%
EBIT Next 3Y57.74%
EBIT Next 5YN/A
FCF growth 1Y236.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y223.25%
OCF growth 3YN/A
OCF growth 5YN/A

EXZEO GROUP INC / XZO FAQ

What is the fundamental rating for XZO stock?

ChartMill assigns a fundamental rating of 5 / 10 to XZO.


Can you provide the valuation status for EXZEO GROUP INC?

ChartMill assigns a valuation rating of 3 / 10 to EXZEO GROUP INC (XZO). This can be considered as Overvalued.


Can you provide the profitability details for EXZEO GROUP INC?

EXZEO GROUP INC (XZO) has a profitability rating of 5 / 10.


What is the expected EPS growth for EXZEO GROUP INC (XZO) stock?

The Earnings per Share (EPS) of EXZEO GROUP INC (XZO) is expected to grow by 136.82% in the next year.